Insurance

Homeowners
Insurance

Insurance

Let AAA Protect Where You Live

Your home is a very special place. That’s why your agent will get to know you and your family, and create customized coverage for your specific needs.

Coverage From Foundation to Roof

Homeowners policies through the companies AAA represents not only cover your home, but usually the structures attached to the house (garage or carport), as well as other structures, including a fence, pool, detached garage and tool shed.

The Right Kind of Protection for Your Personal Property

Whether you own a home, condo or are renting, coverage for your personal property can be tailored to your needs. This can include special coverages, such as Personal Property Replacement Cost coverage for the contents of your home. With full replacement cost protection, there's no deduction for depreciation, in most cases. You also may want to consider increased coverage for valuable items such as jewelry, camera equipment and silverware.

Your personal property is protected wherever you are, whether you're down the road or traveling across the globe.

Earthquake Insurance

Earthquake insurance is available with a variety of AAA-represented companies for qualifying homes. This coverage provides the opportunity to repair or replace your home’s structure and some personal property in the event an earthquake damages your property.

 

Umbrella Coverage

Once the liability limits are exhausted on your home, auto or other underlying insurance policies, your Umbrella policy takes over and provides another layer of liability protection should you be sued and found legally liable for causing injury to someone else or damaging their property. Because the average size of jury awards has increased dramatically in the last few years, Umbrella insurance has become more important.

Examples Situations that Demonstrate Need for Umbrella Insurance

  • Your car slips out of gear and rolls into your neighbor.
  • Your dog bites a neighbor’s child.
  • While on vacation, the rented boat you’re driving hits two people in a canoe.
  • A fire in your condo spreads to other units.

If any of these unfortunate accidents should happen to you, there’s a good chance your current liability limits won't be enough to protect your assets or your future earnings.

Umbrella limits start at $1 million with higher limits available. This insurance covers you and all members of your household anywhere in the world.

The best part of Umbrella insurance may be its very reasonable cost. Although your protection is substantially increased, the average cost is well under a dollar a day.