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Featured home insurance discounts
Home + auto multi-policy
Save up to 15.7% on auto insurance and up to 20% on home insurance when you combine those policies.
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Home insurance protective device discount
Save up to 9% with 1 or more approved and properly maintained devices such as burglar or fire alarms.
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Age of home discount
Save up to 37% on your home insurance depending on the year your home was built.
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View all insurance discounts
AAA insurance can help you protect all your most important belongings. Find all the AAA insurance discounts you could qualify for.
See all home insurance discounts
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Get a beginner’s overview on the basics of a home policy.
Homeowners insurance helps if your house or property is damaged or destroyed by events such as fire, weather, theft, or other specified losses.
There are many factors considered in calculating your homeowners insurance rates including the cost to rebuild, age of the home, construction type, and loss history.
Your homeowners insurance premium can vary based on many factors such as tour choice of deductible and optional coverage endorsements. Contact your agent to review your policy and ensure you’re taking advantage of all the discounts available to you. Discounts may be available for your homeowners insurance if your home is new, renovated, single-story, or contains protective devices. Additional discounts such as multi-policy discount and loyalty discount may also be available. Discounts vary by state; contact your agent for a complete list of discounts available to you. Your homeowners insurance is included as part of your monthly mortgage payment if you have an escrow account. If you have not opened an escrow account with your lender, you must pay homeowners insurance bills directly to your insurance company. Learn more about replacement costs and actual cost values. Learn more about deductibles, when they apply to a claim, and who collects them. Learn more about claims with a mortgage to see why your mortgage company may be on your settlement check. Learn more about repair supplements and why all the damage may not have been identified during the initial inspection. This information is a helpful overview of homeowners coverage. Coverage may vary by state or product and this is not a full description of all coverages, exclusions, definitions, or provisions that may apply. The information provided is not intended to and does not substitute for or supersede the actual language of an issued policy contract, endorsement, or declarations. For specific terms, definitions, coverages, and exclusions that apply to your particular insurance policy coverage for a specified loss or peril, please read your policy contract, declaration pages, and endorsements. Where this information differs from an actual policy contract, endorsement, or declarations, the terms for the policy, declarations, and endorsement that make up your issued policy will prevail.
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