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Your home is unique. Your coverage should be, too. That’s why each and every
policy we provide is as different as the home and the individuals it protects.
Our AAA Insurance Agents are experts in the coverages we offer. Each policy
provides the peace of mind that comes from knowing your home and property are
protected with solid financial security. In fact, AAA* homeowners coverage has
received A.M. Best’s “A” (Excellent) rating.
Take a look at the coverages we offer, then contact an agent near you to help
you find the complete policy that’s right for you.
Traditional homeowner coverage
Your policy through AAA covers your home, garage and utility buildings against
direct physical loss not specifically excluded. Whether you are home or away,
you will enjoy the added benefit of personal liability coverage from AAA*.
Plus, receive payment for additional expenses should you be temporarily
displaced while an insured loss is being repaired.
Condominium unit owners
This policy provides protection for unit owners for their personal property,
personal liability, medical payments to others, additional living expenses and
in most policies, a small amount of building coverage.
Renters
This policy provides protection for personal property, personal liability,
medical payments to others and additional living expenses.
The next level
If your needs require higher coverage levels and limits, AAA* offers an
enhanced policy or endorsements to protect your home. You will enjoy valuable
standard benefits not offered with other plans, including:
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Increased coverage for your dwelling contents; special coverage for jewelry and
furs.
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Higher loss assessment coverage.
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Increased protection against loss of refrigerated goods; lock replacement
coverage and more.
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Increased building limits coverage for your dwelling (when not included in your
Traditional policy).
Greater protection
Homeowners insurance through AAA provides more than just quality insurance. You
will also enjoy many special features, such as:
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Personal credit protection — Protects you against forgery and
unauthorized use of lost or stolen checks, credit cards or ATM cards.
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Theft coverage — This coverage protects your personal property away from
home.
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Inflation Protection — Adjusts your coverage annually to keep pace with
increasing repair and replacement costs.
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AAA policyholder service — Enjoy service from a local agent, plus access
via dozens of offices, toll-free number and the Internet.
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One-on-one claim service — Allows you to file a claim 24 hours a day,
seven days a week. You can even report your claim
online.
Extras that cover even more
The following optional coverages are offered to help you strengthen your
homeowners insurance policy through AAA. Your agent can help you determine if
any will benefit you.
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Personal Property Replacement Cost Coverage — Insures your personal
property for the full cost of replacement or restoration.
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Scheduled Personal Property — Provides comprehensive, no-deductible
coverage on valued items like furs, jewelry, silverware, cameras, fine art, and
coin or stamp collections.
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Flood Insurance — A separate Flood Insurance policy is advised for homes
even remotely susceptible to the threat of high water. It is virtually required
for waterfront dwellings or those close to a flood plain. Ask your agent for
details.
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Mine Subsidence Insurance
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In Illinois — Provides coverage for damages caused by the collapse of
man-made underground mines. Mine Subsidence Insurance, provided by the Illinois
Mine Subsidence Insurance Fund, provides a maximum of $350,000 or the amount of
the coverage on the dwelling, whichever is less, for property damage to the
structure caused by mine subsidence. The coverage is required to be offered in
counties where underground mines are common.
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In Indiana — Provides coverage for damages caused by the collapse of
man-made underground mines. Mine Subsidence Insurance, provided by the Indiana
Mine Subsidence Program, provides a maximum of $200,000 or the amount of the
coverage on the dwelling, whichever is less, for property damage to the
structure caused by mine subsidence. The coverage is required to be offered in
counties where underground mines are common.
*Insurance underwritten by Auto Club Insurance Association or MemberSelect
Insurance Company.
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