Ways to Save with AAA Home Insurance
Bundle with Auto Insurance
Save up to 15% on your home policy by bundling with auto1.
AAA Member Savings
Save up to 5% for being a AAA Member.
New Home Discount
Save up to 32% when insuring a newly built home2.
Home Protection Devices
Save up to 5-15% by installing theft and/or fire protection devices.3
AAA Home Insurance helps safeguard your property with coverage for:
- Your dwelling and attached structures
- Any detached structures on your property
- The contents of your home and other personal belongings
- Additional coverage available for your valuables
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Frequently asked questions about homeowners insurance
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.