Home Insurance
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Get the home insurance coverage you need at AAA
Standard Coverage | Homeowners | ||
|---|---|---|---|
Dwelling and Other Structures 2 | |||
Loss of Income | |||
Medical Payments to Others 3 | |||
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. |
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.
Get expert answers to your home insurance questions
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.
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.
- Unexpected things covered by homeowners insurance
- How to compare homeowners insurance quotes
- What is replacement cost coverage?
- What does PMI mean?
- What is a home warranty?
- What is personal liability insurance?
- What are the basic steps to buying a house?
- What should I look for during a home inspection?
- What is a premium vs. a deductible?
Shop AAA services for homeowners
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Frequently asked questions about homeowners insurance
Is hazard insurance the same as 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.
Is homeowners insurance required?
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.
How long is the term for a homeowners insurance policy?
A home insurance policy term is 12 months.
Is homeowners insurance included in a mortgage payment?
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.