Help Protect What Matters Most
AAA Property Coverage Details
Whether you own your home or rent, AAA offers the coverage you need to help protect your house, condo, apartment, or investment property. From replacement costs to living expenses, here are the standard coverages offered by AAA Insurance:
Standard Coverage | |||
|---|---|---|---|
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. | |||
Helps pay to repair or replace your clothing, furniture, and other belongings that get stolen or damaged by a covered peril. | Owner/Insured's property only (With limits) | ||
Covers the cost of medical bills and property damage if you are responsible for causing injury or loss to others. | With limits | ||
Covers temporary living expenses, including hotel and meals, if your home becomes uninhabitable. | Loss of Income | ||
Medical Payments to Others Covers injuries that happen to a guest in your home—regardless of who's at fault. | |||
Coverage for jewelry and watches, up to a certain limit. Special endorsements can be added for higher priced items. |
Optional Property Coverage Add-Ons | Coverage Description |
|---|---|
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. |
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AAA MWG serves Alaska, Arizona, Northern California, Montana, Nevada, Utah, and Wyoming.
1. 12-month savings based on April 2026 survey of new customers throughout CSAA Insurance Group's territory, excluding CO, who switched their home policy to AAA within the prior year and reported savings. Savings not guaranteed.
2. 12-month savings based on an April 2026 survey of new customers in AZ, CA, NV, UT, MT, and WY who switched and bundled their auto and home policies with AAA within the prior year and reported savings, which may include bundling and other eligible discounts. Savings not guaranteed.
Insurance products in California offered through AAA Northern California Insurance Agency, License #0175868, in Nevada by AAA Nevada, in Utah by AAA Utah, in Arizona through AAA Arizona, Inc., License #8301727 and Sunstate Insurance Agency, LLC, License #17203444, in Montana through AAA Montana, Inc., License #9756, and in Wyoming through AAA Mountain West Inc., License #172603. The provider of AAA Auto and Home Insurance is CSAA Insurance Group, a AAA Insurer. Products and their features may not be available in all states. All policies are subject to policy terms, underwriting guidelines and applicable laws.



















