Package Insurance

Package Insurance

Protection for your home and auto.


Coverage unique to Floridians.

We combine both home and auto insurance into one single policy with one premium payment, one deductible, and one claim to file. Our Package Insurance features are numerous, and include:


  • Personal property for tornadoes, hail, lightning, theft and vandalism
  • Theft coverage protects personal property even away from home
  • Additional expenses due to being displaced while your damaged house is being repaired for a covered loss
  • We even cover damage to others’ property


  • Collision Deductible Waiver
  • No deductible on Auto Window Glass Repairs or Replacements
  • Accident Forgiveness2
  • OEM Parts for Repairs3


Home Again: Finding Hope After Hurricane Michael

How AAA Members Pat Wood and Jimmy Cotter rebuilt their lives afer a historic storm.


With an array of discounts available.

People select insurance though AAA for many reasons, including all the possible discounts.


  • Wind Mitigation
  • Age of Home
  • Age of Roof (shingles)
  • Fire Alarms
  • Burglar Alarms
  • Senior Discount


  • Pay-in-Full
  • Multi-Car
  • Vehicle Safety Inspection
  • Senior Discount
  • AAA Membership
  • AAADrive™4


The package policy includes an optional umbrella insurance rider providing protection for everyday situations. Coverage options available at $1 million or $2 million.

Call 866.339.7548 to get a quote or find an agent near you.

1 New policyholders obtaining package insurance through AAA in FL saved an average of $867 annually. Average savings per year were based on 2020 survey results provided by new policyholders reporting the dollar differences between prior carriers and insurance through AAA. Discounts and savings opportunities are subject to eligibility requirements, terms and conditions. Savings amounts may vary.

Discounts apply to select coverages only and vary by state and insurance company. Not all discounts available in each state. AAA Member discount based on number of years as a member of AAA. Coverage is subject to all policy terms, conditions, exclusions and limitations.  Discounts and savings opportunities subject to eligibility requirements.  Subject to underwriting requirements.  Insurance underwritten by Auto Club Insurance Company of Florida. ©2021 The Auto Club Group. All rights reserved.

2 We will forgive your accident if you’ve had your package policy for at least two years and have had no accidents in the prior three years.

3 If you’ve been in an accident, our insurance provides original equipment (not aftermarket) replacement parts for structural components.

4 AAADrive Insurance Discount is available for Florida new auto insurance policies underwritten by the Auto Club Insurance Company of Florida. AAADrive™ participation is optional. Subject to terms, conditions and availability. AAADrive Auto Insurance Discount is not available in all states. Download of the mobile app, activation of AAADrive and the ability to record journeys are required to receive the discount. Savings may vary and are based on driving behavior. Discounts apply to select coverages only and do not apply to statutory assessment and fixed expense fees. Discounts may vary by state.​​

Please refer to the Terms and Conditions for more information and to determine participation eligibility. Check your phone's eligibility at Google Play or the App Store by texting MobileApp to 99513. If your phone does not meet the requirements, you will not be able to download the app. Must meet minimum qualifications to maintain discount at renewal.

The AAADrive™ application cannot detect who is the driver and who is the passenger during a Journey. If a Journey is recorded while you are a passenger (not driving) the Journey should be manually reclassified as Passenger. If a Journey is recorded while you are the driver, but another individual in the vehicle is actively using your phone, the Journey should be manually reclassified as Passenger. AAADrive™ users have up to 7 days to reclassify a journey. To do so, select My Journeys > Journey Details > Modify Journey Type.​