Home Insurance
At AAA, we strive to make sure that you have total peace of mind knowing that your home and personal property is covered.
We Protect What Matters Most To You
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A homeowners policy offers more than physical coverage. It offers financial security for you and your family. We are here to help you find the policy right for your coverage needs and budget. Homeowners insurance covers sudden and accidental losses to your home, covered personal property and certain liability exposures. But, there are common exclusions to homeowners policies or limits to key coverages that, unless you have a full understanding of your policy, can lead to unpleasant surprises when you file a claim. See the steps below for better understanding your homeowners insurance needs and more information on the type of policy you are purchasing.
Value of your home
Insurance companies use ‘Reconstruction Costs’ to determine the amount to which your property is insured – or how much it would take to reconstruct your property. In most cases, the reconstruction cost is different than the sale price because land is NOT covered in the reconstruction cost. Let your agent know about unique or custom features in your home like specialty flooring, kitchens and baths.
Value of expensive items
This includes every single piece of clothing, furniture, silver wear, pots and pans, books, toys, electronics, jewelry and all other possessions that make your house a home. AAA Insurance offers Replacement Cost Contents so you get full value for your possessions, even if they are no long considered ‘new’
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Value of liability coverage
One of the most undervalued portions of the homeowners policy, Coverage E is provided in the event that you or a household member are legally responsible for injury to others, such as a visitor falling and injuring themselves or an incident with an aggressive pet. A benefit of AAA Insurance Homeowners policies is that coverage for Personal Injury is included on all of our policies. We make sure you are covered!
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Home Warranty and Protection Programs Available:​
American Home Shield Home Warranty Plans
​Your systems and appliances may be in good working order today, but sooner or later, everything wears out. Even with perfect maintenance, nothing lasts forever. When your system or appliance breaks down, you could spend hundreds or thousands to repair or replace it, potentially causing a serious financial setback.
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Purchasing an American Home Shield Home Protection Plan is a wise decision whether you are buying a home or selling a home. A home protection plan is a service contract that covers the repair or replacement of home system components and appliances that typically break down over time.
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Buying an American Home Shield Home Protection Plan protects your house, giving you the peace of mind about your home’s systems and appliances, as you won’t need to worry about them if they happen to break down or need replacement. Let us help you better understand what American Home Shield has to offer homeowners and decide which option is right for you.
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First Protector
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First Protector is a supplemental homeowners insurance program that helps insure the financial recovery of homeowners in the event of a covered loss such as flood, fire, hurricane, tornado, mudslide, or involuntary job loss not typically covered by your homeowners insurance if your home becomes uninhabitable.
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Coverages available include:
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Mortgage Payment Protection for Disasters – Pays your monthly mortgage payment while you are displaced and the home is being repaired, for up to 2 years.
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Mortgage Balance Payoff for Disasters – Pays off any remaining mortgage balance you may have after proceeds from your homeowners policy are paid, when your home is deemed permanently uninhabitable.
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Reimbursement of Homeowners Policy Deductible – Pays your homeowners policy deductible up to $1,000, twice a year in the event of two claims.
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Mortgage Payment Protection for Involuntary Job Loss – Pays your monthly mortgage payment, or a portion thereof, for up to 6 months in the event of an involuntary job loss.
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Emergency Cash for Disasters – Provides up to $1,000 in emergency cash to cover any out-of-pocket expenses you incur when displaced from your home.
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Service Benefits for Disaster Recovery – Provides emergency communication and/or contractor service options.
AUTO INSURANCE
AAA Insurance works hard to provide customers with appropriate coverage for an affordable price. In fact, if you are already a member of AAA, you save money on your insurance premiums the first day you become a customer! As many of our AAA members have been loyal to us for years, we want to give that same loyalty back.
Built-In Loyalty Discounts for AAA Members
​AAA Insurance offers more than just competitive rates – we have exclusive discounts and additional coverages for AAA Members. In fact, if you are already a member of AAA, you save money on your insurance premiums the first day you become a customer! As many of our AAA members have been loyal to us for years, we want to give that same loyalty back. TMIC provides built-in member loyalty discounts!
Other Discounts
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Homeownership – must own a home (home does not need to be insured with AAA Insurance ). Documentation required.
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AAA Insurance Auto and Home – must own a home that is insured with AAA Insurance .
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Concierge-Level Claims Service
What really distinguishes one auto policy from another is the company that stands behind it. AAA Insurance claims service has earned a reputation for being both reliable and convenient.
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Ability to report a claim 24 hours a day, 7 days a week, 365 days a year.
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Response from a claims adjustor on the same business day your claim is reported
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Payment of all comprehensive and collision claims within 3 days.
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Proactive updates regarding your claim to keep you in the loop
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Guaranteed repairs for the life of the vehicle you own when you use one of ou​r Preferred Body Shops.
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Our AAA Auto Buying service can find another vehicle for you in the case of a total loss.
Local Representation and Service
Choosing AAA Insurance means you choose a company that is in your neck of the woods. We are headquartered in Charlotte, NC. Claims adjusters, service agents, and executive management are located right here in North Carolina and can quickly meet your needs at any point of the insurance process.
Life Insurance
Life insurance is unique to where you are right now and to your future goals. Helping protect you and your family is our business—and we take it seriously. Whether you’re just beginning to navigate your options for coverage, ready to buy or filing a claim, we’re here for you.
Life Insurance Resources
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New to life insurance and finding it a little confusing? You’re not alone. For many of our clients life insurance can seem complicated, with numerous choices and factors to consider. As your partner throughout the process, AAA Life is here to help make it easier.
Download Life Insurance Checklist
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Not Sure Where To Start?
Get tips on life insurance options and the answers to frequently asked questions you’ll want to consider before you purchase a life insurance policy.
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What is Life Insurance?
Life insurance is a contract between you and the insurance company where you pay a rate to the insurance company who then promises to pay an agreed-upon amount to the person (beneficiary or beneficiaries) of your choosing should you pass away. It is there to give you added peace of mind and help protect the people most important to you.
Why should I have it?
Life insurance is a great way to help protect those who matter most to you. Should you pass away unexpectedly, your family may not be able to pay for things like funeral costs, medical bills, mortgage payments, or existing debts. With life insurance, you can help ease financial burdens for those you love.
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What Kind of Life Insurance do you need? Let's Go Over the Basics
Term Life Insurance
AAA Life offers five options of guaranteed level premium coverage: 10, 15, 20, 25, or 30 years! Just select the duration that best fits the length of the time you want coverage to last. Coverage from as low as $50,000 for ages 50 and older and $100,000 for ages 18 to 49.
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Return of Premium
What if your term insurance ends and you haven’t had to use any of your coverage? If you add the Return of Premium benefit to your policy and this occurs, you can get your entire premium back at the end of your term.
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Whole Life Insurance
Whole life insurance provides permanent protection. Just pay your premiums when due and your coverage is guaranteed to last for a lifetime, regardless of changes to your health. At age 100, your whole life insurance coverage stays in effect with no further premiums required. Your premiums will never increase either!
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Universal Life Insurance
Universal Life insurance is designed to provide you with a lifetime of protection, allowing you to meet both your present and future objectives. A Universal Life policy from AAA Life can provide a lifetime of coverage with competitive premium rates and flexibility.
One of the most important features of Universal Life insurance is that it accumulates cash value that can provide much-needed funds in later years. A Universal Life policy allows you access to money to help support a variety of needs throughout your life. For example, use the cash you’ve accumulated to supplement educational expenses or put it towards your retirement.
Universal Life insurance is different than Whole Life insurance because, with Universal Life, you can adjust your premiums and other features in order to best accommodate your individual needs.
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AAA Membership
AAA Members want the freedom to go places, and we want to be your most trusted ally during your journey. To earn that trust we strive to give you consistent coverage and peace of mind, no matter where life may take you. We'll always be more than a familiar face. We'll be a faithful friend.
Create Your Online Account at AAA.com/register​
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Manage Renewals, Update Preferences
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Connect to discounts and offers
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View Road Service History, insurance policies, banking, travel and more.
Looking for AAA membership?
Whether you're a parent navigating local roads to school, shops and sporting events, weekend travelers heading to that next great destination, or retirees traversing the country from coast to coast. AAA membership goes with you every mile.
AAA Membership Plan Tiering
PLUS, EVERY MEMBERSHIP INCLUDES:
Discounts at over 100,000 retailers nationwide
Savings at AAA Car Care Centers
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Want to know all the details and benefits you get with your AAA membership? Download our Membership at a Glance brochure or a printer-friendly version of the Member Guide Details and Coverage. You may just discover a benefit you didn’t know you have!
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AAA Membership Benefits Explained
If you’re like a lot of people, you may think that an AAA Membership is only of value in emergency situations. But we’ve got news for you – The services offered by AAA go well beyond those received when you’re stranded on the side of the road with a flat or you’ve run out of gas. We’ve got many other surprising AAA services available for club members that just might surprise you!
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Retail Discounts & Savings: Your AAA Membership card offers more than just peace of mind on the road. It is also a valuable discount card, enabling you to save money on products and services from local and national establishments such as Hertz Car Rental, Penske Truck Rental, 1-800-Flowers, Best Western, LensCrafters, and more. These businesses offer special prices, upgraded services, or extra value for AAA Members. Visit AAA.com/Discounts for an up-to-date list.
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Travel Services: AAA offers personalized vacation planning and reservation assistance for travel worldwide. Don’t trust your vacation to a guess – our experienced Travel Agents know all the ins and outs and what special benefits are exclusive to AAA members. Your membership gives you access to quality travel products, value-added member benefits, and enhanced service through AAA Vacations. Because AAA is the world’s largest travel organization, you reap the benefits of our buying power. Please visit or call any AAA Carolinas branch office to plan your next trip or visit AAA.com/Travel
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AAA Insurance: When it comes to your insurance needs, there’s no better choice than AAA Insurance. AAA Insurance has preferred rates for members, an easy reliable claims process, and compassionate experts in the field of insurance, ready to care for your special needs. AAA Insurance stands ready to protect the dreams of our members. And remember, it is a AAA Carolinas owned company. That means anyone covered by AAA Insurance can rest easy in the fact that they are protected by the AAA name, and that the President of the company is always within driving distance. Your baby is not just another car, and AAA Insurance is not just another insurance company. Call us today and experience the member difference: (919) 341-0606
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AAA Car Care: In the Carolinas we have 36 AAA Owned Car Care locations that are ready to serve you for your vehicle preventative maintenance or repair needs. Our locations feature internet access, coffee bar and free ride-share options if you do not wish to wait on your vehicle during service. See a breakdown of services and Member benefits below:
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• Services: Our locations can handle all of your vehicle maintenance and repair needs including oil changes, brakes, tires, A/C services, alignment and suspension, driveline, timing belts, cooling systems, belts and hoses, electrical systems and more!
• Member Discounts: AAA Members receive a 10% discount on labor capped at $100 and a 2-year/24,000- mile warranty on all repairs – nationwide.
• Full Transparency: All of our locations offer you a free digital vehicle inspection with every service. This inspection includes photos, videos and technician notes regarding your vehicle’s health and it is sent to you via text or email. Visit AAA.com/FindCarCare
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Rewarding credit cards: AAA Member Rewards Visa credit card offers points with every purchase. Earn points on qualifying AAA purchases, gas grocery, and drug store items. Redeem your points for cash, travel, or gift cards!
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Mobile Battery Service: In selected cities, a AAA trained and certified technician will be dispatched to test your vehicle’s battery and charging system at no cost to you. In the event your battery fails, you may purchase one from the roadside technician at that time. Installation is free on most vehicles, however, there may be additional charges for labor-intensive installations. In areas where the mobile battery service is not available, AAA will offer a battery boost if conditions are safe to do so.
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Lockout & Key Service: If your keys are locked inside the vehicle, service will be sent to gain entrance. If your keys are lost, broken, or the service provider cannot gain entrance to your vehicle, locksmith service up to $50.00 will be provided. For the protection of the member’s vehicle, AAA may request ownership verification of the vehicle and/or seek identification of the person driving the vehicle. Registered owners must be present for this service. Plus, Plus/ RV, Premier and Premier/RV provides up to $100 for locksmith service to make your vehicle operable.
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24-Hour Concierge Services: AAA Premier members receive easy access to many services when traveling on a domestic or international trip 100 miles or more from their primary residence. Call toll-free 877-865-8548 for Concierge Services or visit Carolinas.AAA.com/Membership/Benefits for more information.
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Drive Vacations/Weekend Getaways: AAA offers many pre-planned drive vacations, including hotel accommodations, sightseeing, and attraction entry fees for destinations throughout the U.S. Ask your local AAA Travel Agent for details.
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Roadside help, anytime: Roadside assistance is the main reason people join AAA, and why they renew year after year. It’s not just for major breakdowns, either. Lock your keys in the car or get a flat tire and we’ll be there any time of day, 365 days a year. AAA covers you, not your vehicle, so you have AAA’s Peace of Mind in your own car, a friend’s, or a rental.
Need roadside assistance now?
Call 800-AAA-HELP (222-4357) or request service online at AAA.com/Help
Please cancel your request for service immediately if service is no longer required. If the driver is en route, this call will count as a service call.
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When calling for road service, please have the following information ready:
• Your name, club code, and membership number (from member card)
• The make, model, year, and color of the vehicle
• Exact location of your vehicle (landmark)
• Nature of breakdown (flat tire, won’t start, in ditch, etc.)
• Phone number where you can be reached
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To serve you better, you must be with your vehicle when service is received.
For details and disclosures please see our Membership Guides:
Whether you’re shopping, dining out, traveling, or visiting attractions in the Carolinas and throughout the U.S. – your AAA card keeps more money in your pocket.
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You Insurance Group - Local AAA Agent
In the Carolinas, if you don’t already have a membership to AAA, you’re missing out on more than just roadside assistance for you and your family. And if you do have a membership, there are some perks that you may not realize come included with your annual dues. AAA’s history of service is based upon our world renowned ability to provide assistance to stranded motorists 24 hours a day, 7 days a week.
We are a local AAA Insurance office in Raleigh, NC.
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You Insurance Group provides insurance solutions
We offer:
Auto Insurance, Homeowners Insurance, Condo Insurance, Life Insurance, Renters Insurance, Small Business Insurance, Boat Insurance, Golf Cart Insurance, Motorhome Insurance, Mobile Home Insurance, Trailer Insurance, Motorcycle Insurance, Rental Property Insurance, and AAA Memberships.
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Insurance is a means of protection from financial loss today and in the future. From customized insurance options to superior claims service, we advise our clients every step of the way.
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Basic: $59 per Year
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Towing: 3 Miles
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Flat Tire Change: Yes
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Battery Boost: Yes
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Free Fuel Delivery: Fuel provided at pump price
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Vehicle Lockout Services: Up to $50
Plus: $89 per Year
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Towing: 100 Miles
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Flat Tire Change: Yes
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Battery Boost: Yes
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Free Fuel Delivery: Yes
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Vehicle Lockout Services: Up to $100
Premier: $119 per Year
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Towing: 300 Miles
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Flat Tire Change: Yes
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Battery Boost: Yes
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Free Fuel Delivery: Yes
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Vehicle Lockout Services: Up to $100