AAA Renters Insurance Review

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1 Minute Review

The American Automobile Association, or AAA, started in 1902 as a lobbying group for driver and passenger rights, fair laws and safer vehicles. More than 100 years later, the company serves over 57 million members and provides automobile, life and home insurance, travel-related services as well as financial products and services. The company boasts that its membership is a membership for life, offering discounts and deals at places to shop, to eat, to stay, to be entertained and more.

Below is a quick glance at our barometer for AAA’s renters insurance.

Best For

  • College students living in student housing
  • Anyone renting an apartment, house or condo
  • People who prefer face-to-face interaction with a dedicated agent combined with online and over the phone service


  • A broad network of agents and services
  • Competitive rates for members
  • Stellar member-only benefits, services and discounts
  • Good personal financial coverage


  • Offers renters insurance through its local offices, so difficult to get general information without filling out forms and sharing personal details
  • Does not offer an online quote tool (but can submit a request for a quote)
see how AAA Renters Insurance compares

Life is full of surprises. Some surprises are good, some surprises are downright challenging. If you rent or are thinking about renting, you need insurance to arm yourself against the unexpected. Don’t count on your landlord or property management to have your back completely. They will likely cover damage to the building but not your personal belongings.

Read on to discover if AAA renters insurance is right for you. 

Who’s AAA Renters Insurance for?

You don’t have to own your home to get insurance. Renters insurance is for people who live in a rented space such as an apartment, condo or house. And you don’t need to be fully independent. College students who live away from home during the school year in student housing, an apartment or a house, also benefit. You can get insurance in 3 easy steps: Document your possessions, get quotes and enroll. Renters insurance includes personal liability insurance. Personal liability insurance covers you in the event your guest gets hurt. 

How much renters insurance do you need? Well, that depends. How much do you have and how valuable is it? Personal items such as clothes and electronics can add up quickly, especially when you consider the cost to replace those things. Your computer, smartphone and TV, although they’re at the end of their projected lifespan, could cost you around $5,000 to replace if damaged or stolen. 

To replace electronic items out of pocket you’d spend a lot more than what you can expect to receive through a claim. Replacement cost coverage would get you a new or restored laptop, cell phone and TV at no extra cost to you. 

Is college or moving into an apartment or a house on your horizon? You already know that getting renters insurance is easy. Now arm yourself with more knowledge and get to know the best renters insurance as well as cheap renters insurance choices.

AAA Renters Insurance Products

In line with its competitors, AAA offers personal property and personal liability coverage. Unlike many of its competitors, AAA also offers personal finance safeguards. 

AAA standard renters insurance includes:

  • Personal property: Protect your personal possessions against physical loss. 
  • Personal liability: This protects you from bodily injury or property damage that you, your family members or pets cause to someone else. 
  • Personal finance safeguards: Your AAA policy protects you if someone tries to forge or use your lost or stolen checks, credit cards or ATM cards without permission.

AAA also offers add-ons or optional coverage:

  • Replacement cost coverage: This insures your personal property for the full cost of replacement or restoration. 
  • Scheduled personal property: Expanded, no-deductible coverage for valued items such as furs, jewelry, cameras, fine art and more.

Standard AAA Renters Insurance Coverages

Most insurance companies offer personal property and personal liability coverage as standard. AAA goes a step further by offering personal finance safeguards to your standard coverage. Personal property coverage takes care of your stuff. Personal liability coverage takes care of you. Personal finance safeguards protect you from check and credit fraud.

Personal property covers your belongings if they suffer things such as smoke damage from a fire on the premises. Or, if the tub of the person living above overflows causing water to leak into your apartment and short out your electronics, you’re covered. 

Personal liability protects you financially. You’re protected, for instance, if your dog gets too excited while playing and bites your friend instead of the toy, or if your guest trips over a dog’s or child’s toy while visiting and gets hurt. Personal liability insurance takes care of any ensuing financial obligations.

Personal finance safeguards protects you if someone steals your checks, credit or ATM cards and tries to make purchases without your consent.

Available Discounts and Tips on Getting the Best Rates

AAA touts competitive renters insurance rates. Plus, AAA offers a discounted rate if you bundle renters and auto insurance. Outside of discounts, you can lower your rate by choosing a higher deductible, lowering coverage amounts and adding fewer options. 

Other ways to reduce your rate include lowering your coverages and raising your deductible. If you’re a minimalist and truly don’t have many possessions, then maybe you don’t need a high amount of personal property protection. Or, if you have built up a solid rainy day fund, then maybe you can afford to increase your deductible.  

Perks of being a member of AAA include a bevy of deals targeted to your location. Using your ZIP code, you can access discounts at retailers, restaurants and more. Its website even highlights moving services (truck rentals, relocation services) and storage facilities. 

Common AAA Renters Insurance Coverage Selections

On its website, AAA boasts renters insurance for $8 per month — $96 per year. This gets you $20,000 of personal property coverage and $100,000 liability coverage included in your policy, with a $500 deductible. (AAA uses living in the Chicago ZIP code 60504 to base the $8 per month rate.)

As AAA offers renters insurance through its local offices, there’s not an online quote tool. But, you can request a quote through the website. 

AAA is an established and well-known association of auto owners. The company now boasts a full complement of insurance services. They offer multiple types of property insurance including:

  • Auto
  • Home
  • Condo
  • Boat
  • Motorcycle and off-road vehicle
  • Recreational vehicle

It also offers personal insurance such as life insurance and umbrella insurance. Umbrella insurance adds an extra layer of protection to your personal liability insurance.

Customer Service

AAA customer service is available online or over the phone at 800-222-6424, every day, all day. You can get help with your policy, file a claim, make payments or even change your policy.  

Claims Support

You can file a claim or check the status of a claim online or over the phone. To file a claim online, go to AAA.com. To receive claim support live, call 800-222-6424, 24 hours a day, 7 days a week.  

It’s always a good idea to prepare yourself to share what you are claiming and what happened. You will need your policy number, police or fire department report number and your landlord’s or property manager’s phone number. 

For 24/7 claim service call toll-free at 800-222-6424, day or night. “We’re always here for you” is its motto.

Go online to request a quote, file a claim, make payments or request a change to your policy, anytime.

Pricing and Value

When you’re shopping for renters insurance you want great coverage at the best possible price.  When you have renters insurance, you want a pleasant and helpful customer service experience in the event you need to file a claim. A financially stable company like AAA is optimal so that when it comes time to pay the claim, the lights are on and you’ll be covered.

Reviews on ConsumersAdvocate.org rate AAA as “excellent.” The company scores 4 out of 5 for coverage and add-ons, and 4.5 out of 5 for customer service and financial strength. Since AAA is an association, its group purchasing power provides value. You’re likely to score lower rates for renters insurance than you could get on your own being part of a group. More than 70% of the reviews on ConsumerAffairs.org rates AAA at 4 or 5 stars out of 5.  

As a bonus, AAA offers its members exclusive discounts and offers. Discounts and offers include moving truck rental, storage rental, retailers and restaurants.

Customer Support 

In a word — accessible. Call 800-222-6424. 

You can go to AAA.com for info; typing this into your browser routes you to your local AAA site. The landing page asks you for your home ZIP code. AAA customizes its service and information based on your location.

Power to the People

When it comes to getting the best products for the lowest price, look to the masses. AAA knows the power of numbers. Using its numbers knowledge, AAA flexes its muscle to get its members the best coverage for the lowest rate. When it comes to covering your personal property, covering your assets and protecting your finances, AAA is kingpin. And being one of the gang is a benefit.

Renters insurance offers you peace of mind. If there’s a fire or tornado or something else beyond your control your stuff is protected. You don’t need to start from scratch after an incident. Insurance helps you regain your possessions so you can keep moving forward. Accidents happen. But if they happen inside your apartment or rented house, you are financially liable. Renters insurance protects you by paying for any damages.

We all have that friend who has your back no matter what. Renters insurance is that friend who has your back. Only you don’t meet this friend by happenstance. You need to take stock of your stuff, what you need from an insurance provider and go get quotes. Armed with knowledge, you can choose the renters insurance you want looking out for you in good times and in bad times.