HOMEOWNERS AND RENTERS

HOMEOWNERS AND RENTERS

Trusted protection from a name you know

Trusted protection from a name you know

Security and savings go hand-in-hand with multi-policy discounts of up to 25%.

Security and savings go hand-in-hand with multi-policy discounts of up to 25%.

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1-800-521-8124

1-800-521-8124

Rest easier with AAA Insurance

For most of us, our home is more than a source of pride—it’s the largest asset we’ll purchase. AAA offers many coverage types, amounts and deductibles, all with options that you can tailor to your needs. AAA also offers a variety of discounts to help lower your insurance rates and put money back in your pocket.1

In addition to coverage protecting your house, we provide added insurance for other structures on your property such as carports, tool sheds, and pools, as well as for your personal property. Of course, AAA Alabama recgonizes that you may need to insure residential property other than a house. For that reason, we also offer policies that provide you with a convenient source of protections for your condominium, townhouse, or apartment.2

If your home qualifies, you can take advantage of our extended dwelling replacement cost coverage without any additional premium. In such cases, your home will be rebuilt or replaces, up to 125% of the dollar amount of your policy.2

ALABAMA POLICYHOLDER BILL OF RIGHTS ALABAMA ACT NO. 2012-510

This act sets forth the rights Alabama homeowners have with respect to their insurance policies and with insurance companies, including the minimum standards insurance companies must meet under state Department of Insurance regulations.

Learn more

AAA INSURANCE DISCOUNTS SAVE YOU MORE

Homeowners Discounts

  • Protective Device Discount: Save up to 15% with one or more approved and properly maintained devices (burglar alarm, fire alarm, smoke detector, deadbolt)

  • Mature Policyholder Discount: Save up to 8% when at least one insured is 55+ years old

  • New Home Discount: Save up to 38% depending on the year your home was built

  • Roof Discount: Save up to 15%

Multi-Policy Discounts

Save up to 25% on your insurance
  • Auto + Home + Life + Excess
    Save up to 21% when you combine AAA Home, Auto, Excess, and Life Insurance policies

  • Home + Auto
    Save up to 25% on your home (and up to 12% on your auto) when you combine AAA Home and Auto Insurance Policies

  • AAA Membership
    Current AAA members receive up to $40 when you get AAA Home Insurance and up to $10 when you get AAA Condo Insurance

Homeowner Benefits

A variety of coverage types, amounts and deductibles
  • Flexible Payments that make premiums easier to manage

  • Prompt, personalized service as a way of life

  • Toll-free claims hotline that is open 24 hours a day, seven days a week for efficient claims reporting

  • Quality insurance from a name you can trust

  • Free AAA policy review to help you understand your coverage options and available discounts

WHY CHOOSE AAA HOMEOWNERS AND RENTERS INSURANCE?

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1Certain restrictions apply. Discount amounts are approximate and will vary by policy; Acceptable documentation/certification may be required before discount(s) can be applied.

2Extended Replacement Cost coverage pays up to 125% of the limit of liability to rebuild your home. Guaranteed Replacement Cost coverage pays the cost to rebuild your home without regard to the limit of liability and is offered for qualifying homes built in 1950 or later. Homeowners’ packages only apply to covered losses and do not provide coverage for earthquake or flood (said coverage requires a separate purchase). All coverages are subject to the policy contract and any endorsement(s). Review for terms, exclusions, conditions, and limitations. Please refer to the policy contract and any endorsement(s) for a full description of the coverage provided.

AAA personal lines insurance is provided through the licensed Alabama Motorists Association, Inc. to qualified AAA members by Automobile Club Inter-Insurance Exchange and Auto Club Family Insurance Company. Life insurance is underwritten and annuities are provided by our affiliate, AAA Life Insurance Company, Livonia, MI. AAA Life is licensed in all states, except NY.

AAA Members require the separate payment of annual dues and an admission for new members.