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Bundle auto and home insurance for big savings.

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Insurance Savings

Save big when you bundle your policy with car insurance.

Membership Value

Get an additional 5% discount when you’re a AAA Member.

Personal Assistance

Speak to an award-winning agent to find more insurance discounts.

Whether you own or rent, a home insurance policy protects your house, condo, or apartment — from replacement costs for personal goods to living expenses if your abode becomes uninhabitable. Here are the standard coverages offered by AAA Insurance: 1
Standard Coverage
Dwelling and Other Structures 2
Loss of Income
Medical Payments to Others 3
Optional add-ons go even farther, covering big-ticket items, earthquakes, and more.
Optional Coverage
Provides extra coverage for liability claims that go beyond your regular auto or home policy’s limits.
Cover the cost of repairs to your home, replacing your belongings, and additional living expenses if your residence is uninhabitable.
Can reimburse you for damages caused by floodwaters to help you fix your home and repair or replace lost belongings.
Scheduled Personal Property
Provide greater coverage of valuables that cost more than your personal property limits.

Homeowners Insurance by State

Get the facts on homeowners insurance in Arizona, California, Montana, Nevada, Utah, and Wyoming and find out more about home insurance requirements in your state, the rates and average cost.

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Find a Local Insurance Agent

Talk to an experienced AAA Insurance Agent to customize your homeowner's insurance policy and maximize your savings. Our agents know local neighborhoods and are ready to help. Call, send an email or visit a branch to get started.

It’s common to wonder how much coverage you really need and smart to base your decisions on clear, reliable information. Our experts can explain the ins and outs of every policy—and help you find what’s right for you.
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How much does homeowners insurance cost?

In the U.S., the average home insurance costs about $1,200 per year. According to Zillow, you can expect to pay roughly $35 per month for every $100,000 of your home’s value, though your exact cost will depend on your unique situation.

Learn more about homeowners insurance cost

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Why do I need my own condo or townhome policy?

Most mortgage lenders require home insurance. Townhome and Condo Insurance covers losses that most HOA policies don’t. It's the smart thing to do.

Learn more about condo insurance

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AAA Smart Home

Save on your AAA Home Insurance policy when you keep your new home safe with AAA Smart Home. Our connected security system features supported self-installation, 24/7 monitoring, and easy remote control via a mobile app.

1 Home insurance provided by CSAA Insurance Group, a AAA Insurer. Insurance products in Arizona are offered through AAA Arizona Inc., License #8301727 and Sunstate Insurance Agency, LLC, License #17203444. Insurance products in California are offered through AAA Northern California Insurance Agency, License #0175868, in Montana by AAA Montana, Inc., License #9756, in Nevada by AAA Nevada and in Utah by AAA Utah.

2 Dwelling and Other Structures - Can help pay to rebuild or repair your home or other structures on your property if damaged by a covered peril. Not covered by renters insurance.

3 Medical Payments to Others - Can cover injuries that happen to a guest in your home—regardless of who's at fault.