AAA Insurance
AAA Insurance | You Insurance Agency
We are a local AAA Insurance office serving Raleigh, Garner, and all of North Carolina. Our team helps members and non-members find the right coverage for home, auto, and life — with the trusted backing of the AAA name.
Already a AAA member? You save on your insurance premiums from day one. Not a member yet? Call us — we’ll get you set up.
📞 919-341-0606 | Mon–Fri, 8:30 AM – 5:30 PM
🏠 Home Insurance
A homeowners policy offers more than physical coverage — it provides financial security for you and your family. AAA home insurance covers sudden and accidental losses to your home, personal property, and liability exposures.
What to Consider When Choosing Coverage
Value of Your Home
Insurance companies use Reconstruction Cost — not market value — to determine your coverage amount. This is how much it would take to rebuild your property from scratch. Note: land is not included. Tell your agent about custom features like specialty flooring, upgraded kitchens, or custom baths.
Value of Your Belongings
Your policy should cover every piece of clothing, furniture, electronics, jewelry, and personal possessions. AAA Insurance offers Replacement Cost Contents — you get full value for your possessions, even if they’re no longer considered “new.”
Liability Coverage
One of the most undervalued parts of a homeowners policy. Liability coverage (Coverage E) protects you if you or a household member are legally responsible for injury to others — a visitor who falls, an incident with a pet, and more. Personal Injury coverage is included on all AAA Insurance homeowners policies.
Home Warranty & Protection Programs
American Home Shield Home Warranty Plans
A home protection plan covers the repair or replacement of home systems and appliances that break down over time — protecting you from hundreds or thousands in unexpected costs. Ideal for buyers and sellers alike.
First Protector Supplemental Coverage
Helps insure your financial recovery in the event of flood, fire, hurricane, tornado, mudslide, or involuntary job loss not typically covered by standard homeowners insurance. Available coverages include:
- Mortgage Payment Protection for Disasters — up to 2 years
- Mortgage Balance Payoff if home is permanently uninhabitable
- Homeowners Policy Deductible Reimbursement — up to $1,000, twice per year
- Mortgage Payment Protection for Involuntary Job Loss — up to 6 months
- Emergency Cash for Disasters — up to $1,000 out-of-pocket
- Emergency Communication & Contractor Service Options
🚗 Auto Insurance
AAA Insurance provides appropriate coverage at an affordable price. AAA members save on premiums from day one, and earn more loyalty discounts over time.
TMIC provides exclusive discounts for AAA members. The longer you’re a member, the more you save.
Own a home? You qualify — even if your home isn’t insured with AAA.
Bundle your auto and home both with AAA Insurance and save even more.
Concierge-Level Claims Service
- Report a claim 24/7, 365 days a year
- Same business day response from a claims adjuster
- All comprehensive and collision claims paid within 3 days
- Proactive status updates throughout the claims process
- Guaranteed repairs for the life of your vehicle at Preferred Body Shops
- AAA Auto Buying service available in case of a total loss
Local Representation: Claims adjusters, service agents, and executive management are headquartered in Charlotte, NC — right here in North Carolina, available when you need them most.
❤️ Life Insurance
Life insurance is unique to where you are now and to your future goals. Whether you’re exploring options for the first time or ready to buy, our team is here to make the process simple.
Term Life Insurance
Choose from 5 guaranteed level premium options: 10, 15, 20, 25, or 30 years. Coverage starts as low as $50,000 for ages 50+ and $100,000 for ages 18–49. Select the duration that best fits your coverage needs.
Return of Premium
Add this benefit to your term policy and if your term ends without a claim, you get your entire premium back at the end of the term.
Whole Life Insurance
Permanent protection guaranteed to last a lifetime. Premiums never increase. Coverage stays in effect at age 100 with no further premiums required.
Universal Life Insurance
Lifetime coverage with flexible premiums and cash value accumulation. Use accumulated cash to supplement education expenses, retirement, or other financial needs. Adjust premiums and features as your life situation changes over time.
📄 Download Life Insurance Checklist (PDF)
🔑 AAA Membership
AAA Members want the freedom to go places — and we want to be your most trusted ally on every journey. Membership goes far beyond roadside assistance.
Create your online account at: AAA.com/register
Manage renewals, access discounts, view your insurance policy, road service history, travel bookings, and more.
AAA Membership Tiers
| Feature | Basic — $59/yr | Plus — $89/yr | Premier — $119/yr |
|---|---|---|---|
| Towing Distance | 3 miles | 100 miles | 300 miles |
| Flat Tire Change | ✔ | ✔ | ✔ |
| Battery Boost | ✔ | ✔ | ✔ |
| Free Fuel Delivery | At pump price | ✔ Free | ✔ Free |
| Vehicle Lockout | Up to $50 | Up to $100 | Up to $100 |
| ID Theft Insurance | — | — | Up to $10,000 |
| 24-Hr Concierge (100+ mi travel) | — | — | ✔ |
Every Membership Includes
- Discounts at over 100,000 retailers nationwide
- Free Maps and Tourbooks
- Vacation Planning Services
- Savings at AAA Car Care Centers (10% off labor, 2-yr/24K-mile warranty)
- Special savings on AAA Insurance
- Rewarding credit card with points on every purchase
- Roadside assistance 24/7, 365 days a year — covers you, not just your vehicle
Need roadside assistance now? Call 800-AAA-HELP (222-4357) or visit AAA.com/Help
📋 What We Offer at You Insurance Agency
As your local AAA Insurance office in Garner, NC, we provide:
- Auto Insurance
- Homeowners Insurance
- Condo Insurance
- Life Insurance
- Renters Insurance
- Small Business Insurance
- Boat & Watercraft Insurance
- Golf Cart Insurance
- Motorhome & RV Insurance
- Mobile Home Insurance
- Trailer Insurance
- Motorcycle Insurance
- Rental Property Insurance
- AAA Memberships
Ready to get started?
Our licensed agents in Garner, NC are ready to find you the best coverage at the best rate.
📍 257 Timber Drive, Garner, NC 27529 | Mon–Fri, 8:30 AM – 5:30 PM
You Insurance Agency | You Holding Group LTD | NPN 20769582 | Coverage subject to underwriting and state availability. Not a binder of insurance.