Compare Quotes from Top Providers and Save now!

By: Ramu Garuda  August, 12, 2019

Situated at the heart of the American auto manufacturing industry, the American Automobile Association (AAA) owns a 14.1% share of the homeowner's insurance market in Michigan under the brand Auto Club Insurance Association. Unfortunately, it is compulsory to be a AAA member to even get a quote for AAA homeowners insurance in Michigan. Nevertheless, a AAA membership comes with its benefits.

Unlike the majority of homeowners insurance policies, a AAA home insurance policy covers damages from tornadoes, hail, lightning, frozen plumbing, theft, and vandalism.In addition, it covers bodily injury liabilities, personal liabilities, and medical payments for injuries suffered while on the property.

Michigan homeowners can also avail multiple discounts on their AAA homeowners insurance by upgrading their electrical systems, plumbing systems, and roofs. Bundling home and auto insurance policies can further earn up to a 20% discount on homeowners insurance rates. A discount may also be offered to citizens over the age of 50 years.


Following are some policies and related benefits offered by AAA in Michigan:

  • Customized policies for homeowners when standard policies do not meet their needs; this type of policy generally benefits homeowners living in manufactured or rented homes.
  • Policies for dwellings on properties that are temporarily vacant
  • A specialty homeowner’s coverage for properties that may not be eligible for a standard homeowners policy; this policy covers named perils and structures. Homeowners also have the option of increasing their personal property coverage and personal liability according to their needs.
  • Enhanced coverage for personal properties
  • Protection Plus and Platinum coverage for high-valued homes that cannot be insured under a standard homeowners insurance, although these policies have a significantly higher homeowners insurance rate

Homeowners who drive their automobiles often can benefit from the various automobile-related services AAA provides. However, the gains for customers only looking to buy homeowners insurance from AAA are limited.


No Image

Ramu Garuda

Ramu is a research analyst with over 9 years of analytics & research experience. Prior to joining the company, he worked with some of the prominent consulting and market research firms in India, including Pride Technology (Supporting consulting projects to PWC), RR Donnelly, and The Hackett Group. His skills include company profiling, benchmarking, data and trend analysis, industry analysis, and report writing across the industries. Ramu holds a Master’s degree in Finance and Marketing. He also has a bachelor’s degree in Biotechnology.