What does aaa homeowners insurance cover

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AAA homeowners insurance is a popular choice for many homeowners looking to protect their properties and possessions. But what exactly does AAA homeowners insurance cover? In this article, we will explore the various aspects of AAA homeowners insurance and provide a comprehensive understanding of the coverage it offers.

Structure and Coverage

AAA homeowners insurance typically provides coverage for both the structure of your home and your personal belongings. Let’s take a closer look at each of these aspects.

Structure Coverage

Dwelling coverage: AAA homeowners insurance includes dwelling coverage, which protects the physical structure of your home. This coverage typically includes protection against perils such as fire, windstorms, hail, and vandalism. It helps cover the cost of repairing or rebuilding your home in the event of damage or destruction.

Other structures coverage: In addition to your main dwelling, AAA homeowners insurance also covers other structures on your property, such as detached garages, sheds, or fences. This coverage is usually a percentage of your dwelling coverage limit.

Additional living expenses: If your home becomes uninhabitable due to a covered loss, AAA homeowners insurance may provide coverage for additional living expenses. This can include the cost of temporary accommodation, meals, and other necessary expenses while your home is being repaired or rebuilt.

Personal Belongings Coverage

Personal property coverage: AAA homeowners insurance typically includes coverage for your personal belongings, such as furniture, appliances, clothing, and electronics. This coverage extends to both loss and damage caused by covered perils, such as theft, fire, or water damage. However, it’s important to note that certain high-value items, such as jewelry or artwork, may have coverage limits. Additional coverage may be required for these items.

Liability coverage: AAA homeowners insurance also includes liability coverage, which protects you in the event that someone is injured on your property or you cause damage to someone else’s property. This coverage can help cover medical expenses, legal fees, and other costs associated with a liability claim.

Medical payments coverage: In addition to liability coverage, AAA homeowners insurance often includes medical payments coverage. This coverage helps pay for medical expenses if someone is injured on your property, regardless of who is at fault.


AAA homeowners insurance provides comprehensive coverage for both the structure of your home and your personal belongings. It safeguards you against a wide range of perils and offers additional benefits such as liability coverage and coverage for additional living expenses. It’s essential to review your policy carefully and understand the specific coverage limits and exclusions to ensure you have adequate protection for your home and possessions.


– aaa.com/home-insurance
– insurancejournal.com
– investopedia.com/homeowners-insurance