AAA Homeowners Insurance Reviews
3.45 / 5 based on 120 Reviews | Submit Your ReviewSatisfactionClaimsCostBillingService
AAA Insurance was founded in the early 1990's by the American Automobile Association. The company sells both auto and home insurance, and is available through dedicated AAA agents. Unlike most insurance companies, AAA insurance limits the policies they write to members of the auto club. The total assets of the company are estimated at around $425 million, and total amount of existing premiums is around $234 million.
Company Information3055 Oak Road
Walnut Creek, CA 94597
(877) 819-9064 (Fax)
Last Updated: 2019-11-17
Company Reviews (120)
They cancelled after 40 years an no claimss, June, 2018
I have been insured with them for 50 years and never filed a claim. For first time in 40 years of coverage they came to my house and took pictures. Then they decided not to renew the policy because I live on a greenbelt with some brush. They love loyalty from customers but they have no loyalty to customers. I have cancelled auto and membership and would not recommend them to anyone.
Very, very upset, September, 2012
Had wind and hail storms come through, all the houses around us had their roofs replaced through their insurance companies but us. We had to pay almost $11,000 of our own money to replace our roof because AAA refused our claim. Thanks AAA for putting us in the poor house.
Borderline illegal action; refusal to compensate, August, 2014
Filed a claim. AAA sent out field agent. Quickly sent out check before damage could even be assessed. My complaints were never addressed and AAA sent letters from their lawyer saying they would not pay. Their actions were in violation of California insurance code. Stay clear if AAA. By the way, this was our first claim ever, and they only paid $7500 even though cheapest quote was for $20,000.
WAR VET LOYAL CUSTOMER TREATED BAD!, May, 2014
My grandfather is a Vet and has had triple AAA for home owner Insurance for over 39 years! he recently had a bad leak that flooded the home, but they had to go to a hotel due to water damage, and they are 91 years old he and his wife! also they have a care giver, Let me say through experience of having my own flood, we had and still have Farmers, we were treated with such respect, and all our meals and hotel room and pet hotels were paid for, and we got to pick out our own carpet, cabinets ect, This poor vet is treated terrible by Michelle! they were not even offered a choice in all this! seems like triple AAA just was going to pick out their carpet, kitchen cabinets tiling and everything else for them instead of giving them the choice! then Triple AAA told them they would not pay for their meals due to they got a hotel with a little kitchenette, because they had to have a 2 bedroom for the care giver. Unbelievable, and the customer service has been so rude to them, trying to pinch a penny anyway they can. Im discusted they can treat a 91 year old vet and his wife this way, alomost as if they are taking advantage of them due to their age ! 39 years with Triple AAA and this is how they are treated! Sorry but I have farmers and they paid for everything knowing how stressed we were. TRIPLE AAA AUTO CARD FOR ROAD HELP IS GREAT, BUT DONT EVER GET THE HOME OWNER INSURANCE, THEY ARE NOT NICE TO YOU AND HATE TO PAY FOR ANYTHING!
Cheating Customer, February, 2015
I had auto and home insurance with AAA two years; I just terminated now because they had a cheating business to customer.
I reported hail damage on roof in 9/2014; the AAA claims unit in St. Louis MO sent two adjusters to my house, they picked up the damages incompletely and selectively, want to make cast of repair just less than deductible. I complained after received the estimate, then AAA sent an engineer out inspected again and found some hail damages that the adjusters did not select in. but the claim unit manager(team in St. Louis, MO) said all the damages the engineer verified are included on the estimate. How included? Some damages did not pick up when wrote the estimate. Did the estimate include found damage and un-found damage? They are cheating. I contacted with them more than 4 months, the claim unit manager wonâ€™t figure out the issue, said you are done. I had to bring my claim to AAA President in MO to fix. No credit to the team.
Scandals, February, 2018
AAA has high white supremacy. They all stick together and they are untrue. The man in Michigan GS Whiting was actually fired from Allstate for doing the same thing to their members. Yet AAA hired him! He is doing the same thing there. He is untrue and manipulative. Bill Maraldo is on the same team. Before my claim was even looked at they told me via e-mail they would deny it. They said they do not fix roofs no matter what. They hired their people to come out over and over again, lie to our faces from MidPoint and then shelled out a bogus report for Bill Maraldo. Its obvious they are paid to do this. Slimy men running this organization. Our hired State Engineer said that there claim was bogus. We currently have two engineers disputing their claim. One will come to court with us. AAA has no engineers in their organization, but they have lawyers sitting around waiting for people to file. So they feel they can just screw you. Well not this gal! I have e-mails and voice recordings of all their shenanigans - especially Bill Maraldo screaming at the top of his lungs at me on the phone, causing my children to cry. This company has gone down hill since bringing these lowlifes aboard. Use to be an up and up organization trying to help the members, now it is full of corrupt slimy white men that are doing nothing but getting fat off our money. AAA has become corrupt. Mary Ann Olms
Keep away from AAA home insurance., March, 2017
Keep away from AAA home insurance. AAA is the worst.
We are long term AAA customers. Bathroom flooded which caused a lot of damage and they would not cover it.
They are good at taking premiums. After that their claims specialists and adjusters are trained to deny claims so their adjusters can take home bonuses. Their adjusters are rotten and blatantly lie in order to deny a claim. They turn hostile, when it comes time to help the insured.
run, dont walk!!!!!, August, 2014
Had a leak June 2, 2014. Took AAA a 4 day to start drying wrong area. 3 weeks kitchen for them to come out a second time to check damage. Kitchen covered in mold. And now has to be replaced. The sent check for 17,000.00. This is to cover 3100 toxic dumping/removal, 1st guys cost of 1100.00 partical deying work till AAA crew came in. Also the cost of 2dumpsters for $500.00. Removal/replaceing of water heater, stove, oven,dishwasher, and oven repair of 600.00. Contains manipulation 1000.00 time 2. Leaving less than 10000.00 to demo and replace kitchen and garage. Talked to another woman who has same insurance and kitchen flood and not paid enough. If AAA had done the dry out right this would never would have needed kitchen. The mold has put one person in ERROR and another under a special ist care. It is not worth the 300.00 year savings. Someone had a flood 2 weeks after us, her work is done, as the paid 10000.00 upfront for her to get work done and it was just a pipe in wall. They are taking advantage of seniors
Homeowner's Policy, May, 2013
The cost has gone up and we are trying to find a less-expensive policy.
AAA SUED FOR INSURING LESS THAN 1/2 OF HOME!, November, 2015
A south Kansas City couple experienced the gut-wrenching loss of their daughter in a January 4, 2015 fire. Rick and Sue Herrera’s daughter Sue Sue died in an accidental fire that burned their home to the ground.
Without the Herreras’ knowledge, Auto Club Family Insurance Company, known to the public as AAA Insurance, had the Herreras’ beautiful two-story mansion listed as only 3,617 square feet, when the actual size of their house was more than twice that, 7,531 square feet.
Incredibly, AAA had reduced the size of the Herreras’ home on its insurance papers after AAA had been to the house to handle, or “adjust”, two separate claims.
How did the fourth largest homeowner insurance company in Missouri miss the size of this house by almost 4,000 square feet? At one point after the fire AAA told Rick Herrera that it used the company Zillow to determine the square footage, but in a letter to the Missouri Department of
Insurance, AAA claimed that it obtained square footage on the Herreras’ home from a company known as MSB. On his own, Rick Herrera contacted MSB to find out the records MSB had on his house. It turns out that MSB doesn’t keep a database on the square footage of homes in Missouri, or elsewhere. Herrera's just know, AAA was off by “only” 3,914 square feet.
The Herreras have asked the Missouri Department of Insurance and the Missouri Attorney General to look into AAA’s practices.
The Herreras’ attorney Patrick Doran says that “underinsurance” on residences is a far too common problem in Missouri and elsewhere...Google: Herrera Fire & Insurance Kansas City Mo. for More TV Information.
too expensive, August, 2012
It has gotten way too expensive to keep. My triple a insurance quote was too high.
Very easy to deal with, June, 2014
The response time and customer service is exceptional. They take the time to listen and work to find the best possible option
Worst Experience Ever, August, 2015
Have had AAA HOME INSURANCE for about 12 years never made claim until a few weeks ago. Insurance adjuster a total Tool. Had a contractor tell me to beware they were going to deny my claim even though there was plenty if wind and damage to my
roof. Were down grading my damage because they thought I would just stand by and not contest his findings. Adjuster did sloppy work.Best advice us to get your own adjuster to check you're property this insurance company is out for profits nit to be trusted.
nd was out to leave my house to fall apart from roof issues. Ni communication from adjuster until I
AAA Review, March, 2014
In four years I haven't been able to beat AAA's rates. AAA also offers a bundled home and auto policy. Just making my annual price check.
Reason for Leaving, February, 2014
My California home is not a rental, and AAA will not continue my coverage since I no longer live in the home.
AAA- HO, July, 2013
Good company but when the ded. goes from 1% to 3% and it saves you less than $100 a year there is a TROUBLE!
Reliable but Expensive, September, 2014
In general I a pleased with most aspects off my service from AAA. My greatest displeasure is that they are very expensive. Because the cos t is high, I thought I was covered for all contingencies except Floods, but I discovered that I was not covered for sewer backup. I think that my original agent should have suggested this coverage.
AAA Home Insurance is a total rip off. , November, 2017
AAA Homeowners Insurance is a rip off. They lowball the cost and take your money for years but try and make a legitimate claim. They totally denied any responsibility for our roof repair which after 15 years of surviving several high wind storms and hail were according to them “incorrectly installed”. Lesson learned - pay a little more and get a reputable insurance company.
Certainly not what you would expect from AAA company.
Treated terribly by AAA, April, 2017
We have had very high winds between 65 and 75 mph's for over a month or long fact remain since we filed a claim back in February it is still blowing!
We have a cinder block wall, it is only on our land on one side the other side is on Allstate property! It's on a slop. We have a claim adjuster that has refused to return my call for the last 4 times I have called her! I can't get any information on what is going on with with claim and it's been over a month! I finally called the main number and talked to another agent they are going to be doing testing on the ground, earth,and soil! He told me to start the work! Like two senior citizens that are disabled have the money or can do it! I said so AAA is trying to get out of paying for this, he said did I say that, well yes! With this wind it is getting worse as time goes by!
I want to know why we have home and auto insurance at all? Because of this our insurance is going to go up, and they won't answer my calls and haven't done anything! This is a terribly ran company who treats seniors terrible! My husband is so upset I thought he was going to have a heart attack over this!
I need the number for management for the claims adjuster I will not be ignored or treated like this I have never been late paying for my insurance at all! I am so sick over this!
crooks, March, 2017
they took 3 weeks to find a very small print reason not to pay......and i had to pay a deductable for a claim they refused....
good, January, 2014
THIS so far so good rates lock ok options are there to be purchase if you want them, YOUR are not obligated to this or that.
cost, October, 2013
cost of insurance went up 17%
Compare, July, 2012
Compared 4 companies and they had most coverage and reasonable
AAA, January, 2015
Great company, sorry they are not renewing me!
i am deaf , December, 2014
sandra is never new insurance for house
AAA, October, 2013
I currently have AAA and I am looking to reduce my home owners insurance cost so I am searching for lower rates
Osmonster Jones, October, 2013
The We Has Been Capture Fair Using This World Of Us
prices are a rising, August, 2014
their auto insurance is rising each and every year for no reason besides GREED.
Ratings, March, 2014
Insurance coverage, March, 2014
They will no longer support renters insurance
comparison, September, 2012
We have been very happy with AAA except they have really raised the premium since having a claim that was an act of god.
Kitchen leak restoration done right, November, 2019
We detected a leak in our kitchen and called AAA. They were prompt in their service, did an excellent job, were pleasant and easy to work with. Couldn’t be happier.
Denied Roof Claim, September, 2019
AAA.-We recently needed to file a claim with AAA for roof damage that occurred as a result of two separate hailstorms in 2017. We discovered the problem in 2018 when a section of the roof leaked into the master bedroom. Two adjustors made an initial visit to our home, but did not ascend to the roof. The adjustors indicated there was frost on the roof and another visit would be scheduled at another time to check out the roof. The adjustors instead conducted an assessment of some sort around the perimeter of the home and took many pictures. I was not aware that this would take place and neither adjustor indicated at the time of the initial visit that a perimeter inspection of my home would be conducted.
Don't Trust AAA, August, 2019
This was my mistake for trusting AAA and not following up. I thought I was agreeing to a rate that was covering for 1 year and it was covering for just 6 months. My insurance was being paid in an escrow account. My agent was sending policy updates and increases to my mortgage lender and not to me each year. My mortgage was going up each year at a rate of $50 per month. I didn't check why and found out that my mortgage was increasing greatly each year but I wasn't told. It is my fault for not checking; however, I feel that I have been a victim of price gouging. After for shopping for new rates, I found that AAA had been charging me over double what other agencies charge. I I didn't question it because I was too trusting of a national name such as AAA.. I lost thousands of dollars. I will never do business with them again. I would like to warn others not to trust and to always verify and check yearly.
They will try to avoid paying a claim, January, 2019
I was a victim of the Camp Fire, and had AAA insurance. They have been difficult and rude at every juncture. While other companies have been very available and proactive about meeting with victims and writing out checks for the entire covered limits, this company will go out of its way to avoid paying you the full amounts that you are covered for, in the various categories. I had to finally file a claim with the department of insurance. As a single example, after the Camp Fire in Paradise, the State Insurance Commissioner requested that all insurance companies pay 100% of Personal Property without forcing you to itemize everything. But AAA will only give you 50%, then make you itemize for the entire amount, before giving you the rest of the money. They are likewise incredibly stingy about paying out in the other categories (Cost of Rebuilding, Additional Living Expenses, etc). You have to fight them for every cent.
Great Rates, August, 2018
It provides great rates
Should have listened to the negative reviews!, July, 2018
I signed with AAA because of the competitive Rate. They resort to trickery to save every penny when there is a claim. First they tried to downplay the value of my replacement. Then after approving the replacement, they changed their decision because I wouldn't agree to let them replace with a lower model. Then when they insisted that I have to repair it, they told me they would pay to transport the unit to the shop for repair and I could send them the invoice, after I transported it, they refused to pay for the transport. Supervisors are very unprofessional and not credible at all.
Increased premiums 50%, October, 2016
Had been with AAA. Home insurance for over 10 years. Made my first claim this year for $5,000. They paid but at first canceled my insurance then after conversation they renewed with 75% increase. Went elsewhere and got for 1/2 that total amount.
They will burn you in heartbeat!, August, 2016
They sent me an new policy so I cancelled my old one. 2 days later they cancelled it saying their inspector found a hazard. I live next to a small airport. They should NEVER have made the policy before their inspection. I had to scramble around for a new policy, which cost more than the old one. Then they had the nerve to charge me for the days it was in effect. AAA just wants your money however they can get it. Do not trust them. They will burn you in heartbeat.
First claim 25 years terrible service, August, 2016
I've had AAA insurance for multiple homes, Multiple cars, life insurance and AAA plus road service for 25 years never had a claim. We had major hail storm here Kalkaska Michigan July 8th 2016. My car hail damage affected hood, roof, windshield totally cracked and all panels, moldings were affected the hail was golf size. I had just bought 2016 jeep Cherokee and had 10 to $12000.00 damage. I fully expected the car to be totaled out and get a new one. The local agent was Steve and on vacation and no agent was available until a Lansing inspector was available. I dropped my jeep off at voice body shop on Kalkaska and I was given 20 year old loaner and the Air Conditioner hardly works. A estimate was mailed to me after a month and Steve never bothered to call me and let me know what was going on. When I called him he answered the phone and that was basically it he just listened and I gave up talking to him and hung up. So when I called voice body shop boss dick he could not give me any sort of timing all he told me his guy was home because his wife is ready to have a baby. We are stuck hear at home and had to cancel all of our appointments. This is by far the worst service ever and after 25 years I would thought someone would let us know what's going on. So next week 5 weeks nothing done yet and we will have to get different insurance to have a good insurance agent is real and cares.
NA, January, 2016
Very satisfied with agent that helped get the bundle plans. Liked the discounts and the option to pay yearly and get more of a discount.
VALLEY FIRE-LAKE COUNTY, October, 2015
Alert: "AAA doesn't have emergency, evacuation policy."
Per "John" at the Calistoga evacuation center: "AAA doesn't have an evacuation emergency policy. If you can't prove damage right now I can't do anything for you. Submit proof and receipts then we will review. AAA pays fair market value." We paid for everything out of pocket since evacuation Sept. 12th and as of today Oct. 29th we are waiting for their "review".
Clients with other insurance companies were receiving waving of deductible, direct billing to motels, debit cards, and other assistance.
DO NOT BUY AAA Insurance, October, 2015
I have had home insurance for over 35 years and never had to file a claim until now. A storm caused my sump pumps to stop working, I had 18 inches of water, massive problems, a flooded water heater and furnace, etc. AAA has increased my premiums every year and now that I've submitted a claim, they refuse to help. I will not renew.
Not quality Insurance, October, 2015
My experience with AAA is they never act on policy holders behalf, but always on behalf of their their company. Non responsive to customers needs.
Horrible communication, September, 2015
All of the companies that AAA writes policies with will cancel your insurance with no notice. Once, we called to change our policy and were informed a home insurance company had cancelled the policy months ago and no one sent a letter or informed us.
Then, they decided to cancel after we told them about a teen driver being added soon and everything was fine on the phone. Next thing, we're getting another cancellation letter stating an effective date of cancellation prior to the receipt date of the letter.
We called to ask about the letter and were told why the policy was cancelled. However, then we start getting letter that our policy is being cancelled for non payment. My husband calls again. We were told we have to sign off on the cancellation they forced on us two months ago before they stop trying to auto deduct payment. What??? I have to sign to give your company permission to cancel my insurance against my will or you will keep billing me? But, won't pay a claim if something happens.
Again, nothing said about this while we were on the phone with our insurance agent, Gray Birch. I am taking my auto, home, recreational insurances and going somewhere else. This company is for the birds.
Average Annual Premium Increase of 8.8%, August, 2015
Average annual premium increase of 8.8%, with a minimum annual increase of 6.3 % and a maximum annual increase of 12.1%.
Agent left, no notice. Dropped policy later, May, 2015
We had AAA home insurance for a few years, all was well until we needed to make a change. Our insurance agent had left the company and we received zero notice that had occurred, plus they couldn't tell us who was actually in charge of the policies. They assigned it to the home office, which was a nightmare trying to even get a hold of a person who could review or even access our information. Of course, that was about the time we had a hail damage claim to make. I will credit the adjuster for being competent and easy to work with.
As an even bigger issue, we were forced due to the downturn to vacate our house we had insured through them and move. We maintained the property as if we were still living there while it was for sale, yet the minute they found out it was vacant they completely dropped our homeowner's coverage, forcing us to get extremely expensive vacant house coverage.
All in all, not impressed whatsoever.
Good reliable company
very knowledgeable agents, November, 2013
will answer all your questions promptly and courtously
Friendly Service, April, 2013
The customer service was friendly, very nice agent, knowledgeable. Very disappointed the rate went up 60% for my 3rd renewal, especially considering I had no claims and bundled with vehicle insurance. Not likely to continue my insurance with this company.
good insurance, March, 2013
Triple aaa insurance is easy and convenient. Good agent
rates, December, 2012
Better pricing for same coverage with aaa homeowners insurance.
retired need low payments, September, 2012
aaainsurance was great. just checking for lower monthly payment.no complaints.