AAA Renters Insurance Review 2022: What to Know
AAA Renters Insurance Review 2022
AAA renters insurance comes from many suppliers in different US locations, so coverage and discount possibilities may vary. Enter your ZIP code on the AAA website to find your local motor club.
AAA renters insurance may need membership. If so, consider the added cost while comparing insurance rates.
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Bottom line: AAA renters insurance is worth considering for AAA members or those interested in joining. |
How we rate renters insurance companies
Our star ratings are based on consumer complaint data from the National Association of Insurance Commissioners; financial strength grades from AM Best; coverage and discounts available; and the overall consumer experience. See our criteria for evaluating renters insurance companies.
AAA renters insurance star ratings and availability
We graded each AAA motor club individually since they have various insurance suppliers. TheFM rates three AAA-branded insurers.
4.5 Editorial determines TheFM’s ratings. Consumer complaints and customer satisfaction statistics are considered. | GA IL, IA, MI, MN, NC, SC, TN, and WI | |
4.0 Editorial determines TheFM’s ratings. The formula considers consumer complaints and satisfaction. | AL, AR, CA, HI, IL, IN, KS, KY, LA, ME, MS, MO, NH, NM, OH, PA, TX, VA, VT, WV. | |
3.5 Our editorial staff ranks TheFM. The score algorithm uses complaint and satisfaction statistics. | AZ, CA, CO, CT, DE, DC, ID, IN, KS, KY, MD, MT, NV, NJ, NY, OH, OK, OR, PA, SD, UT, VA, WV, WY. | |
*Companies may not be available in all counties within a given state. | ||
Editorial determines TheFM’s ratings. The renters insurance ranking system considers policy coverage choices and discounts, claim filing convenience, online openness, firm financial soundness, and more.
AAA renters insurance coverage
Landlords sometimes require tenants to purchase a policy with a minimum amount of renters liability insurance, but otherwise,
Read: An Honest review of American Family Home Insurance 2023
the coverage you choose is generally up to you. Below are the four types of coverage included in most standard renters policies:
Covers your clothing, furniture, electronics and other belongings. | |
Covers hotel accommodations, restaurant meals, and other expenditures if you must reside elsewhere during covered repairs. | |
Covers injuries to visitors regardless of culpability. | |
Covers visitor injuries notwithstanding fault. Valuables insurance. A regular insurance may not adequately cover valuable goods like jewellery or paintings.
Stolen identity. Pays identity theft-related expenditures. (Discover ID theft insurance.)
Backup water/sewer. Covers damage from a backed-up drain.
Injuries. Pays legal expenses and damages in libel, slander, or other lawsuits.
Property replacement coverage. A kitchen fire spreads to your living room, destroying furnishings. Replacement cost coverage allows you to purchase new furnishings after a claim (minus your deductible).
Without this coverage, your compensation would represent the current worth of the furnishings, which may be much less.
Discounts
Each AAA provider offers different savings, but you may save by:
- Policy bundling.
- Waiting to file a claim.
- Having smoke alarms, deadbolt locks, or smart-home gadgets.
- Paid-in-full premiums.
- Autopay/paperless billing.
- AAA renewal.
- Gated community.
- Age or retirement.
Consumer Complaints
To gauge consumer happiness, we count how many complaints each insurance company’s clients file with authorities. AAA-branded insurers have different rates.
The chart below illustrates AAA’s largest suppliers’ three-year complaint totals.
Compared to its size, fewer. It’s bigger than imagined. More than anticipated considering its small. |
National Association of Insurance Commissioners data covers three years. NAIC concerns involve mobile home, renters, and condo insurance.
Consumer Experience
Website: Each AAA insurer has its own website, thus information and features vary. Some firms provide online quotations, bill payments, and claim filing, while others do not.
App: Not all AAA motor clubs have policy-management applications. Auto Club of SoCal has an app for members in Southern California, Texas, the Northeast, and other places.
The basic AAA Mobile app focuses on roadside assistance and travel planning, not insurance.
Claims: Depends on which AAA business covers you. Some insurers let you file and monitor claims online.
Customer service: Check your local AAA’s website for customer care numbers.
Where AAA stands out
Member benefits. AAA membership includes insurance, roadside assistance, and travel savings.
Available policies. AAA may provide car and other plans, depending on where you reside.
Where AAA falls short
Dues. In several US regions, AAA renters insurance requires an annual membership fee.
Localization. If you relocate, you may need to transfer insurance and lose coverage choices and savings.
Other renters insurance companies to consider
Undecided? Other renters insurance providers:
Geico: Third-party renters insurance seller.
lemonade: A tech-focused, mission-driven firm has clear rules.
progressive: Progressive provides own and third-party renters insurance.
State Farm: State Farm is the biggest U.S. insurer.
Frequently asked questions
Does AAA offer renters insurance?
AAA’s regional motor clubs offer renters insurance. Several insurers provide policies.
How much is AAA renters insurance?
AAA renters insurance costs vary by location and coverage. According to TheFM’s pricing investigation, renters insurance costs $15 a month on average. Poor credit may cost extra. a lot to insure or a disaster-prone location.
