What is home insurance?
Home insurance helps protect your home and personal belongings and finances when the unexpected happens. Whether you own a house, condo, or rental property, the right coverage may help you recover from covered losses and provide protection if you’re responsible for damage or injuries to others. Many mortgage lenders require homeowners insurance as a condition of financing.
What does home insurance cover?
- Fire and lightning damage
- Theft
- Vandalism
- Severe weather and natural disasters
- Damage to personal belongings
- Liability if someone is injured on your property
Home insurance can provide protection in many situations. Some risks, such as floods and earthquakes are not covered and typically require separate insurance coverage. Theft is not covered in some policies. Coverage options vary by policy and state. Call us or speak to your agent to learn more about your coverage options.
The main types of homeowners insurance coverage
Dwelling Coverage
Helps pay to repair or rebuild your home if it’s damaged by a covered event.
Coverage C - Personal Property
Helps protect belongings inside your home, including furniture, electronics, clothing and other personal items.
Loss of Use Coverage
Provides assistance with temporary living expenses if a covered loss makes your home uninhabitable during repairs.
Personal Liability Coverage
Helps protect you if you’re legally responsible for bodily injury or property damage sustained by others.
Understanding your deductible
A deductible is the amount you’re responsible for paying before your insurance coverage helps pay a covered claim.
Choosing the right deductible is about finding a balance between your monthly insurance costs and what you would be comfortable paying if you need to file a claim.
Saving money on your insurance
Insurance discounts vary by state, but here are some of the most common:
Automatic Bill Pay
AAA Membership
Bundling
Home Safety Features
You may be eligible for all or some of these discounts. Talk to your agent to learn more.
When should you review your coverage?
We recommend reviewing your coverage annually with your agent and more frequently if you are considering any of the following:
- Buying a home, condo, or investment property
- Moving into a rental home or apartment
- Getting married or growing your family
- Sending a child to college
- Renovating or improving your home
- Purchasing valuable items such as jewelry, artwork, or collectibles
- Approaching retirement or experiencing other major life changes
How much coverage do you need?
The amount of coverage that’s right for you depends on factors such as the cost of your home, the belongings you own, your financial situation, and your personal preferences.
Your AAA agent can help you evaluate your options and understand which coverages may be appropriate for your situation.
FAQ
Get answers to common homeowners insurance questions
CSAA Insurance Group works as a dedicated, affiliated underwriter, partnering with regional AAA clubs and their agents to provide auto, home and personal umbrella insurance to members.
When it’s time to choose auto and home insurance, choose AAA. We value our members and work with you to tailor coverage to meet your needs. Getting a quote is easy. Visit AAA.com/insurance, call a AAA Insurance Agent, or stop by your local AAA branch to explore coverage options and receive a personalized quote.
While it’s possible to purchase insurance from AAA without being a member, becoming a member can have a positive impact on your insurance rates, coverage, and experience.
The amount of coverage you need depends on factors such as your home’s value, the cost to rebuild it and the value of your belongings. Visit AAA.com/insurance, call a AAA Insurance Agent, or stop by your local AAA branch to explore coverage options and receive a personalized quote.
