Homeowners Insurance
Home Insurance Add-Ons
Ensure your coverage is on solid ground and protect your home and belongings from earthquake damage.
Add the extra coverage needed to protect your home from the tremendous damage flood waters can cause.
Extend your protection with injury, property, and liability coverage that goes beyond your standard policy limits.
AAA Insurance Agents are here to help navigate your questions, customize your homeowners policy, and maximize your savings. Call or stop by your local branch today to get started.
Answers to Your Home Insurance Questions
Tip to help determine what coverage you need when comparing homeowners insurance quotes.
From spoiled food to a fried TV, your property insurance policy covers more than just your home.
A home inventory list may reduce stress, and speed up the filing of an insurance claim.
Secure your home and save
Enjoy a discount of up to 15% off your AAA Homeowners Insurance when your home is protected by a security system.
With AAA Smart Home Security, your personalized system is installed by Certified Security Advisors, backed by 24/7 protection, and easily controlled remotely with a mobile app.
Plus, AAA Members save $5/month on monitoring plans.
Frequently asked questions about homeowners insurance
Hazard insurance is not the same as homeowners insurance; however, hazard insurance is part of a homeowners insurance policy.
Hazard insurance, also called dwelling coverage, protects the physical structure of your home, including damages from fires, hailstorms, lightning, smoke, vandalism, or frozen pipes. As a general guideline, you should purchase enough hazard insurance to cover the cost of rebuilding your home.
The law does not require you to buy homeowners insurance, but your mortgage lender might. When you close on your home, your lender will likely want to see proof that you have homeowners insurance and expect you to keep your home insured throughout the life of your loan.
A home insurance policy term is 12 months.
It depends. Your mortgage lender might arrange for an escrow account managed by a third party through which you’ll pay your mortgage. If you have an escrow account, you’ll likely pay a single payment each month that covers your private mortgage, home insurance, and property taxes. Escrow accounts are commonplace and may be required if, for example, your down payment is less than 20 percent.
If you don’t use an escrow account, you’ll pay your mortgage, taxes, and home insurance yourself—each to different entities.