What Does AAA Homeowners Insurance Cover?

AAA Homeowners insurance offers a variety of coverages to protect you and your property. Here’s a breakdown of the typical components:

Core Coverages

• Dwelling Coverage: Protects the primary structure of your home against damage from covered perils like:

  • Fire
  • Windstorms and hail
  • Theft and vandalism
  • Damage from the weight of ice, snow, or sleet
  • Damage from some types of water leaks or burst pipes

• Other Structures Coverage: Protects detached structures on your property, such as sheds, fences, or detached garages.

• Personal Property Coverage: Helps pay to repair or replace your belongings if they are lost, damaged, or stolen due to a covered event. This includes furniture, clothing, electronics, etc.

• Liability Coverage: Protects you financially if someone is injured on your property or you cause damage to someone else’s property. It can cover legal costs and potential judgments against you.

• Additional Living Expenses (ALE): Helps cover increased living costs if your home becomes uninhabitable due to a covered loss. This could include temporary housing, meals, and other necessary expenses.

Important Notes

• Limitations: Homeowners insurance policies have exclusions like damage from floods or earthquakes. You may need separate policies for those specific events.
• Deductibles: You’ll typically need to choose a deductible – the amount you pay out of pocket before insurance coverage kicks in.
• Customization: You may be able to add optional endorsements to your AAA homeowners policy for enhanced coverage (like protecting jewelry or other valuables).