INSURANCE CLAIM SERVICE: If you are a AAA Insurance customer and your property has been damaged due to Hurricane Dorian,
contact your local agent or visit our claims information page.

Menu Title

GET PEACE OF MIND WITH AAA INSURANCE

We’re with you on the road, at home, and wherever you travel.

Why AAA Insurance?

Finding the right insurance can be complicated. AAA Insurance agents are more than just consultants, they are trusted advisors. In addition to offering AAA Member discounts and additional coverage, AAA Insurance provides what really matters: total peace of mind.

When it comes to your protection, AAA Insurance is proud of our concierge claims service. With same-day service, a 24-hour claims hotline, and agents that are located right here in the Carolinas, we’re here when you need us the most.

Member Insurance Discounts

AAA Membership includes more than emergency roadside assistance. Members get discounts on insurance, including up to 15% on auto insurance, safe driver, multi-car, pay-in-full and anti-theft discounts, and more savings when you bundle your home and auto insurance.

Inland Flood Insurance

Standard home insurance policies don’t include inland flood coverage. AAA Insurance is the first in the Carolinas to offer inland flood coverage for our home protection policies. Don’t take chances on the next major storm. We’re here to help.

Learn More

Insurance Products

AUTO INSURANCE

AAA Auto Insurance is the perfect combination of value, coverage and service. We know how important it is to get the right coverage at a reasonable rate, so our expert agents work hard to find you discounts and savings. Plus, we make it easy to file a claim and get back on the road.

HOME INSURANCE

Your home is your most valuable asset. It's not just an investment, it's your sanctuary. When your home is damaged or destroyed, you want your claim settled quickly. You want an agent that cares about getting you back in your home. • File a claim any time: 24 hours a day, 365 days a year. • Flexible billing: we can coordinate with your mortgage company. • We'll cover living expenses if your home becomes uninhabitable due to a claim. • Identity theft protection.

HOME PROTECTION

AAA Insurance offers Home Protection Plans to help customize your policy to best meet your unique needs and to provide broader protection for your home: • Inland Flood Coverage • Home Systems Protection • Service Line Coverage • Personal Liability Umbrella Policies • Secondary/Seasonal Homes Insurance • Home Security • Disaster Mortgage Insurance • Accidental Death Coverage

INLAND FLOOD INSURANCE

Inland flooding is on the rise and AAA Insurance now offers affordable protection for homeowners. With changing weather patterns causing more severe and frequent flood damage, even homeowners in normally to low moderate flood risk areas need coverage. Until now, flood insurance options have been limited and costly. AAA Inland Flood Coverage insures the most common flood exposures, as well as personal property in the basement and loss of use—coverages that are excluded by the National Flood Insurance Program. AAA Inland Flood Coverage includes damage to: • Residence and certain other structures (shed, pool house, etc.) • Personal property, including in a basement or sunken room • Loss of Use • Property moved to safety by the insured • Debris removal

FLOOD INSURANCE

It’s a common misconception that homeowner’s insurance covers flood damage, but only flood insurance covers flood damage. Without it, the cost of the damage comes out of your pocket. AAA Insurance has affordable solutions for flood insurance. Even if you don’t live near water, every home is at risk of flooding.

BOAT INSURANCE

In the Carolinas, boat ownership is a way of life, and our members put their faith in us to safeguard that lifestyle. Our expert agents know what unique hazards you face, so we can suggest the perfect coverage to keep you and your investment protected. • Coverage for boats. • Ideal for bass fishing and pontoon boats.

MOTORCYCLE INSURANCE

Whether it’s your primary mode of transportation or your getaway bike for times of fun, we offer motorcycle coverage to give you peace of mind of the road. • Coverage for almost every type of motorcycle. • File a claim any time: 24 hours a day, 365 days a year. • Discounts to help get you the lowest rate possible.

Secondary Seasonal Homes

The properties you own are a part of your livelihood, whether it be a home away from home or rental property. Let us provide you with coverage to protect properties that are important to you, especially in the event of damage caused by a hazardous fire. • Coverage for your rental properties and secondary/seasonal homes. • Competitive rates.

Umbrella Insurance

While our basic auto and home policies will provide you with coverage for your specific needs, securing extra protection in additional liability coverage gives you even more of the AAA peace of mind. Our personal liability umbrella policies will help to further extend this peace of mind in the moments you need it most. • $1 and $2 million limits to offer you coverage. • Less strict underlying limit requirements than other carriers. • The biggest bang for your buck!

Life Insurance

AAA Insurance offers life insurance solutions to provide financial protection for you and your loved ones. We offer term life insurance if you want protection to cover a specific period of time, along with products such as whole life insurance and universal life insurance products designed to build cash value that can last a lifetime.

Health Insurance

There is nothing more critical than protecting the health of you and your family. With the rising costs of healthcare, health insurance is more vital than ever. AAA offers many plans to help you get the care and coverage you need. • PPO and non-PPO Health Insurance options. • Medicare and Long-Term Care options available. • Our Insurance Consultants can help you choose the perfect coverage.

AAA Medicare Supplement

Call 1-888-247-1071 to speak with an agent about supplementing your Medicare, or learn more here. HEALTH INSURANCE PRODUCTS https://carolinas.aaa.com/insurance/products/health/

Business Insurance

You've invested time, money and effort into running your business, so you need to know your insurance will protect it. Our agents can find you the right policy so you get the right protection at the best rates possible. • General Liability, Property, Workers Compensation, and more • Protect your workers, your investments and your property • Commercial automobile coverage available as well

Top Ways to Save With AAA

AAA MEMBERS WHO SWITCHED TO THE MEMBERS INSURANCE CO SAVED

$748

PER YEAR ON AVERAGE WITH AAA MEMBER DISCOUNTS

ON AVERAGE, AAA INSURANCE SETTLES CLAIMS

11 DAYS

FASTER THAN OTHER INSURANCE COMPANIES

AAA INSURANCE EARNED THE JD HARRIS INSURANCE BRAND OF THE YEAR FOR

3

CONSECUTIVE YEARS