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Home Insurance

  • TRUSTED ADVICE - We've been providing auto insurance for more than 80 years.
  • COMPETITIVE PRODUCTS- Our local Agents will work with you to review your existing policies, understand your needs, identify gaps in coverage and find discounts you may be eligible for.
  • PEACE OF MIND - When you need us, we will be there. We offer insurance solutions for whatever stage of life you're in and have an "A" (Excellent) rating from A.M. Best.

myths about renters insurance
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Common Myths about Renter's Insurance

Do you know the myths and facts about renter's insurance? Understanding your coverage can help you make the best decision for your insurance needs.

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tips for buying a home and insurance
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Top Tips for Home Buyers from a Pro

Purchasing a home can be overwhelming. Whether you're buying your first or fifth home, read these 8 tips from our experts.

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Renter's Insurance

If you rent a house or apartment, your landlord's insurance typically only covers the building they are renting to you, not your property.

Renter's insurance is a relatively inexpensive investment that includes coverage for:

Personal Property: Losses from fire, smoke, lightning, vandalism, theft, explosions, windstorms and certain types of water damage.

Additional Living Expenses: If your home is uninhabitable due to a covered loss, such as a fire, a portion of your living expenses may be covered.

Personal Liability: Protection against lawsuits for bodily injury, property damage and personal injury damages such as libel or slander. Specific coverages vary by state.

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Flood Insurance

Damage to your home caused by flood water is often not covered by a standard home insurance policy. In most cases, flood insurance is a separate policy that could take up to 30 days to be in place.

Don’t wait until a storm is coming to consider flood insurance - make sure your home and possessions are protected from damage by talking to your agent about your current coverage and additional coverage you may need.

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Umbrella Coverage

Umbrella Insurance sits over your auto and home policies to provide an important extra layer of protection. The coverage kicks in when you reach the limit on the underlying liability coverage of your auto and home policies.

Consider if you:

  • Have a young driver on your auto policy.
  • Own a swimming pool or hot tub.
  • Participate in recreational sports or operate recreational vehicles.
  • Own a rental property.

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Insurance products sold through ACA Club Insurance Agency, Inc. are underwritten by various insurance providers including CSAA Insurance Group, a AAA Insurer. All policies are subject to policy terms, underwriting guidelines and applicable laws. Applicants may not qualify for all coverages, benefits and discounts. Discounts vary by state and are subject to eligibility requirements. Insurance coverage is not included in the price of membership. Participants in insurance programs incur separate costs for insurance. © 2020 AAA Club Alliance, Inc.