NRI Insurance Services is an independent agent of AAA. AAA members receive a member discount on their home and auto insurance, which can be combined with other insurance discounts for exceptional savings.
AAA Home
AAA has been serving families for generations. AAA is rated amount the leaders of customer satisfaction based on prompt, courteous and reliable claim service.
- Generations of service. AAA has a long heritage of providing superior service.
- Financial strength. A.M. Best, the insurance industry's largest independent rating organization, rates AAA insurance companies "A" (Excellent)
- 24-hour claim service. Day or night, 365 days a year, call our Claim Service Center toll-free whenever you need us - 24/7
- Always online. At AAA.com, you can make changes to your policy, make payment, even report a claim
- Knowledgeable agents. Licensed AAA Agents are ready to serve you in person or by phone
Savings
AAA offers competitive rates plus a variety of money-saving discounts for:
- Being a member of AAA
- Insuring both your home or condo and autos through AAA
- Using safety and security devices such as home alarms and fire extinquishers
- Being a member of a qualifying group, e.g., credit union, professional association or employer group
- Insuring a newer home
- Insuring a home with a new roof, plumbing, heating/cooling, electrical
- Being over the age of 50
The availability and amounts of discounts may vary from state to state.
Traditional Coverage
Your home or condo policy through AAA includes everything you'd expect plus some important extras, including:
- Coverage for your home, garage, utility buildings and personal belongings against direct physical losses not specifically excluded. Condo insurance is limited to personal belongings and specified dwelling improvements.
- Protection for bodily injury liability and damage to the property of others through Personal Liability & Medical Payments coverage. Medical payments for injury to others are provided regardless of your liability
- Payments for additional expenses if you're temporarily displaced while an insured loss is being repaired.
- Personal finance safeguards to protect you against forgery and unauthorized use of lost or stolen checks, credit cards, or ATM cards.
- Theft coverage protects your personal property away from home
- Inflation protection adjusts your coverage annually to keep place with increasing repair and replacement costs.
Coverages
Perils
Your home or condo insurance policy with AAA covers your personal property for the following perils:
- Natural Disasters: Tornado, Windstorm & Hail, Fire and Lightning
- Weather: Frozen plumbing, Weight of Snow and Ice, Damage to Building by Water Seepage from Roof
- Unexpected Occurances: Accidental Overflow of Plumbing Fixtures, Glass Breakage, Sudden Smoke Damage, Falling Objects, Damage by Vehicle & Aircraft, Explosion, Legal Defense for Personal Liability, Liability, Medical & Property Payment to Others, Damage to Building by Spillage of Chemicals
- Civil Disobedience: Theft, Vandalism, Riot & Civil Commotion
Optional coverage items
- Personal Property Replacement Cost Coverage: Insures your personal property for the full cost of replacement or restoration
- Functional Replacement Cost: For homes built prior to 1940, you may modify your policy's Loss Settlement Provision to specify that repairs to be made using commonly available construction materials for no additional cost
- Scheduled Personal Property: Provides comprehensive, no-deductible coverage on valued items like furs, jewelry, silverware, cameras, fine art and coin or stamp collections
- Identity Theft Coverage: Pays for expenses such as lost income, fees and charges for phone calls or certified mail fees incurred as a result of identity theft
- Hearing Aids: Broad coverage for misplaced units and ear molds, amplifiers, speakers and batteries
AAA Protection Plus and Platinum Advantage Packages
You can upgrade your traditional home insurance policy with the following enhanced coverage packages for an additional cost:
AAA Protection Plus:
- Electronic Data Processing Equipment and Software
- Identity Theft
- Backup of Sewer and Drain Coverage
- Lock Replacement
- Refrigerated Goods
- Increased Building Limits
- Debris Removal
- Fire Department Charges
- Theft or Misplacement of Jewelry & Furs
- Damages from Extreme Heat, Humidity & Cold
- Increased Limits for Additional Expenses Related to Temporary Displacement
- Losses Assessed to Property Association Owners
- Costs to Comply with New Building Codes
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