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Home Insurance

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
What Does This Mean?
Plan
Small-Claim Forgiveness A benefit that prevents your policy premiums from increasing due to small claims under $250.

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

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Claim-Free Rewards1 Earn cash back or a renewal credit, 3% up to $50, for remaining claim free every policy term.

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

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Home Systems Protection2 We've got your back when essential household systems like central air conditioning, furnaces or water heaters break down.

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Optional Coverages What Does This Mean?
Water Damage Coverage—Sewer, Drain and Sump Pump Covers damages to property resulting from water back-ups.
Landscaping and Yard Coverage Covers the cost to replace damaged trees, shrubs, plants and lawns.
Scheduled Personal Property Endorsement Covers the cost to replace some of your valuables like silverware, musical instruments, golf equipment and more.
Expanded Coverage—Jewelry, Watches, and Furs Covers the cost to replace some of your more expensive items like jewelry, watches and furs.
Green Upgrades Coverage Replace your things in your home with more eco-friendly and energy efficient versions after a covered loss to these items.
Home Day Care Coverage When you run a day care from your home, get help protecting everyone.
Home Hosting—Incidental Rental Coverage Get into the DIY B&B game with coverage for temporary rentals.
Umbrella Endorsement For an additional premium, provides extra liability coverage over and above another policy, such as auto, home or boat. 
Participatory Discounts What Does This Mean?
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 an auto policy or active life insurance policy through an eligible insurance company and save.
Household/Insured Discounts What Does This Mean?
Smoke-Free Discount Save if all occupants living at the residence are non-smokers.
Home Buyer Discount (Homeowners only) For insuring the home you newly purchased.
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 and had more tenure with your previous carrier.
Dwelling Discounts What Does This Mean?
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 materials is intended to provide general information concerning auto and home product features as of 7/1/22 and is not complete. Discounts apply to select coverages only and vary by state and insurance company. Not all discounts available in each state. 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 one of the following companies: Auto Club Insurance Association, MemberSelect Insurance Company, Auto Club Group Insurance Company, Auto Club Property-Casualty Insurance Company, or non-affiliated insurance companies. ©2022 The Auto Club Group. All rights reserved.

1Discounts and savings opportunities are subject to eligibility requirements.

2Optional coverage that is available for additional cost.