Auto and Home Insurance

AAA Home & Auto Combined Coverage

The ultimate in convenience and coverage from AAA insurance - The Florida Package.

Your life is very busy and worrying about your insurance protection is something you could do without. Let AAA streamline your insurance with a single policy that provides insurance coverages for both your home and auto. Our combined home and auto package policy is a great solution for many people because it simplifies your insurance protection and provides a great value. Just one agent and company for your home and auto insurance needs - all 100% AAA.

Unique Benefits of the Combined Policy

The combined policy for Home & Auto provides reliable insurance at affordable rates. It simplifies your insurance protection so you only have:

  • One - convenient policy covering both your home and auto
  • One - point-of-contact from quoting to claims
  • One - annual renewal
  • One - deductible for your home and auto when both are damaged by a single, covered loss

Special Savings and Discounts

Take advantage of savings opportunities with the Package Policy. Customers who switched received other premium discounts for:

  • Recently built homes
  • Homes with wind mitigation features
  • Homes with security monitoring systems
  • Switching both home and auto insurance from the same prior insurer
  • Homes with fire alarms
  • Young drivers with good grades
  • Airbags, antilock brakes and vehicle theft deterrent systems

AAA members save up to an additional 7%.*

*Discount applies to select auto coverages only and is based on number of years as a AAA member.

Secured, Customized Home Coverage

Choosing the right insurance coverage for you and your family is an important decision. That’s why the Combined Policy for Home & Auto offers customized home insurance protection depending on your location and personal situation. Three levels of home coverage are available, so you can select the limits, features and price that best fits your individual circumstances.

Three levels of home coverage let you select the limits, features and price that best fit your individual circumstances.

Basic – Provides protection for your dwelling and personal possessions, along with coverage for personal liability.

Deluxe – Includes additional coverage features and increased limits beyond the basic protections.

Ultra – Our most comprehensive package of homeowners coverage.


The Package policy offers the flexibilty to increase your liability coverage by $1 million or $2 million with the purchase of an umbrella endorsement. Ask your agent for details.

Convenient, affordable auto coverage

With the Package Policy for Home & Auto, you’ll get peace of mind because the policy includes many important features, such as:

Collision Deductible Waiver – Your collision deductible will be waived if you are completely not at fault in an accident and the at-fault party can be identified by name.

Auto Window Glass Repairs or Replacements – No deductible for any auto window glass repairs or replacement.

Accident Forgiveness – No premium surcharge for an at-fault accident if you have had the Package Policy for Home & Auto for two or more years and have had no previous accidents in the last three years.

OEM Parts for Repairs – All structural replacement components used come from the original equipment manufacturer.

Availability of policy and coverages are subject to underwriting criteria. Policies underwritten by Auto Club Insurance Company of Florida.