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Home Insurance — Benefits & Coverages

No two homeowners are the same. Our agents will get you started with the essentials and assist you with options that help meet your unique insurance needs. Ask your agent for more details about additional coverages, endorsements and discounts.

Plan Benefits

An insured can choose between 2 plans.

Small-Claim Forgiveness

A benefit that prevents your policy premiums from increasing due to small claims under $250.

Advantage, Ultimate

Claim Forgiveness Ultimate

Policies in the Ultimate Plan will receive a claim forgiveness opportunity available immediately upon purchase.

Ultimate

Claim-Free Rewards

Earn cash back or a renewal credit, 3% up to $50, for remaining claim free every policy term.

Ultimate

Disappearing Deductible

Reduces the deductible $50 every term you are claim free, up to a maximum reduction of $500.

Ultimate

Service Line Coverage

You're covered for loss or damage to exterior underground service lines, such as water, sewer or power.

Ultimate

Home Systems Protection

We've got your back when essential household systems like central air conditioning, furnaces or water heaters break down.

Ultimate

Optional Coverages

Water Damage Coverage—Sewer, Drain and Sump Pump

Covers damages to property resulting from water back-ups.

Optional

Landscaping and Yard Coverage

Covers the cost to replace damaged trees, shrubs, plants and lawns.

Optional

Scheduled Personal Property Endorsement

Covers the cost to replace some of your valuables like silverware, musical instruments, golf equipment and more.

Optional

Expanded Coverage—Jewelry, Watches, and Furs

Covers the cost to replace some of your more expensive items like jewelry, watches and furs.

Optional

Green Upgrades Coverage

Replace your things in your home with more eco-friendly and energy efficient versions after a covered loss to these items.

Optional

Home Day Care Coverage

When you run a day care from your home, get help protecting everyone.

Optional

Home Hosting—Incidental Rental Coverage

Get into the DIY B&B game with coverage for temporary rentals.

Optional

Umbrella Endorsement

For an additional premium, provides extra liability coverage over and above another policy, such as auto, home or boat. 

Optional

Discounts

Paperless Discount Receive your documents electronically and save.
Advance Purchase Discount Save when you purchase your policy a select number of days in advance of the policy effective date.
Multiple-Product Discount Have a home, condo, renters or active life insurance policy through an eligible insurance company and save.

Household / Driver Discounts

Smoke-Free Discount Save if all occupants living at the residence are non-smokers.
Home Buyer Discount (Homeowners only) For newly purchasing the home you are insuring.
Retired Homeowner Discount If insureds are at least 55 years old and retired
Claim-Free Discount For being claim free while maintaining continuous coverage for at least one year.
Prior Insurance Discount If you switch to AAA from another insurance carrier.

Dwelling Discounts

Hail-Resistant Roof Discount (Homeowners only) For having a hail-resistant roof.
Roof Age Verification Discount (Homeowners only) When the roof age is verified with documentation.
Safety Device Discount Based on the fire, theft and water safety devices installed in the residence.
Fortified Home Discount (Homeowners only) If the home is certified as Fortified/Secured for Safer Living by the Institute for Business and Home Safety (IBHS).

This material is intended to provide general information concerning auto and home product features as of 10/01/2018 and is not complete. Discounts apply to select coverages only and vary by state and insurance company. Not all discounts are available in each state. Discounts and savings opportunities are subject to eligibility requirements. Optional coverages that are available for additional cost. Coverage is subject to all policy terms, conditions, exclusions and limitations. Underwriting eligibility standards must be met to qualify for coverage. Insurance underwritten by one of the following companies: Auto Club Insurance Association, MemberSelect Insurance Company, Auto Club Group Insurance Company, Auto Club Property-Casualty Insurance Company, AAA Insurance Company, Auto Club Insurance Company of Florida, or non-affiliated insurance companies. ©2018 The Auto Club Group. All rights reserved.

Household Discount and Savings

Smoke-Free Discount Save if all occupants living at the residence are non-smokers.
Home Buyer Discount (Homeowners only) For newly purchasing the home you are insuring.
Retired Homeowner Discount If insureds are at least 55 years old and retired
Claim-Free Discount For being claim free while maintaining continuous coverage for at least one year.
Prior Insurance Discount If you switch to AAA from another insurance carrier.
Hail-Resistant Roof Discount (Homeowners only) For having a hail-resistant roof.
Roof Age Verification Discount (Homeowners only) When the roof age is verified with documentation.
Safety Device Discount Based on the fire, theft and water safety devices installed in the residence.
Fortified Home Discount (Homeowners only) If the home is certified as Fortified/Secured for Safer Living by the Institute for Business and Home Safety (IBHS).

‡Offer valid through 4/30/2025. Offer valid for Classic/Basic Memberships only. Pricing valid at member join only. Offer excludes Motorcycle coverage. Payment of full AAA Membership dues is required upon renewal. Offers, terms, conditions and restrictions apply and are subject to change without notice. Not combinable with any other offer. Offer not valid in FL, GA, MI or PR. A member can add one eligible family member for free for up to one year. Additional Associates are half price. Associate memberships are available to the Primary member’s spouse, one other adult living in the household, and their children living at the same residence or away at school. Associate members must have the same type of membership as their Primary member, with the exception of Motorcycle. Associate membership expires on the renewal date of Primary member.

Upon activation and with proper identification, AAA will provide regular AAA services and full privileges for the new member. Roadside benefits begin three days after payment of dues. Some restrictions apply. Roadside assistance is provided by independent facilities contracted by AAA. Coverage in taxis, limousines and other ride-sharing conveyances is excluded. Visit AAA.com/MemberHandbook for details about member benefits, including any limitations or restrictions. Offers, terms, conditions and policies are subject to change without notice. Savings partners subject to change. Source: 2023 AAA U.S. Market Track national surveys. Includes service vehicles owned by clubs and service vehicles owned by third parties under contract with AAA to provide services to AAA members. Taxes, fees & options excluded. Terms apply. Partners and offers are subject to change and restrictions apply. For a complete list of offers, visit us online at AAA.com/Save or your local AAA office.