CSAA Insurance Review & Complaints: Homeowners Insurance (2024)
CSAA Insurance, through its partnership with AAA, can get you the home insurance coverage you need at an affordable rate. While certain discounts and coverage options may not be available in every state where CSAA provides coverage, you can reach out to a CSAA representative to learn what's available to you. Of course, you can expect to receive standard home insurance coverages no matter where you live. Home insurance with CSAA costs, on average, $1,440/year.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Mar 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Mar 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- CSAA Insurance is partnered with AAA
- Homeowners can receive standard coverages through this company
- You can shop online to find the best insurance policy for your needs
Protecting your home is more important than ever these days, and, thankfully, CSAA Insurance, through its partnership with AAA, can help you keep your household protected with reliable and affordable home insurance. Keep reading to learn more about the coverages provided by this company and how you can save money on your rates as well.
You don’t have to wait to finish this CSAA Insurance review if you want to get good home insurance coverage. You can enter your ZIP code to get free quotes from insurance companies near you today.
Who is CSAA Insurance?
CSAA stands for California State Automobile Association. It is a property and casualty insurance company, and its headquarters are in Walnut Creek, CA. Once, this company only served the residents of California, but now, it has partnered with an insurance industry giant, AAA.
While AAA only offers insurance coverage to members, through its partnership with this organization, CSAA has greatly increased its coverage area. If you would like to get a CSAA insurance quote, you can do so by using the free online quote tool on the company’s website or by calling the CSAA insurance phone number to be connected with an agent.
With an A+ from A.M. Best, you can rest assured that, should you ever need financial assistance from this company, the CSAA insurance claims department will pay out your claim.
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What coverages does CSAA Insurance provide?
CSAA provides homeowners insurance through its partnership with AAA homeowners insurance, so the features associated with a homeowners insurance policy that you purchase through this company will change from state to state.
That being said, you can expect to receive the standard protections that come with most home insurance policies. This includes:
- Coverage for your home’s structure
- Coverage for your roof
- Coverage for your personal property
- Liability coverage
But can you get mold coverage through this company? This is an important question, as the resale value of a house that contains mold can drop as much as 3%. (For more information, read our “Does home insurance cover mold?“).
You can use this chart to compare home insurance companies and discover which company is better prepared to take this less commonly thought about but still very important issue:
Does homeowners insurance cover mold? Homeowners Insurance Coverages from Top Insurance Companies
| Company | Standard Coverages That May Address Mold | Additional Coverages That May Address Mold |
|---|---|---|
| AAA | Dwelling | Flood* |
| Allstate | Dwelling | Water backup, flood |
| American Family | Weight of ice, snow, and sleet, leaking roofs, frozen interior plumbing | Home maintenance, flood, and sewer/septic backup and sump pump backup |
| Amica Mutual | Dwelling | Catastrophic coverages (includes flood) |
| Auto-Owners Insurance | Dwelling | Homeowners Plus, water backup of sewers or drains, and equipment breakdown |
| Erie | Structure coverage | Water Backup & Sump Overflow |
| Esurance | Structure coverage, weight of ice, snow, or sleet | Not specified |
| GEICO | Dwelling coverage, property damage (includes water damage) | Flood insurance |
| Germania | Perils (includes water damage) | Sewer backup |
| The Hanover | Not specified | Service line, water backup |
| The Hartford | Dwelling insurance coverage (includes plumbing and HVAC) | Equipment breakdown coverage, water backup & sump overflow |
| Kemper | Not specified | Equipment breakdown coverage, water backup |
| Liberty Mutual | Dwelling and other structures | Water damage, sewer backup, drain leakage, sump pump overflow |
| Mercury Insurance | Dwelling | Home Systems Protection (includes well and sump pumps), Service Line Protection (includes water and sewer lines) |
| Nationwide | Dwelling | Flood, water backup |
| Plymouth Rock | Dwelling (includes plumbing), water backup and sump overflow | Flood, Home Systems Breakdown, Utility Service line |
| Progressive | Dwelling (includes water damage) | Flood, water backup |
| Safeco | Dwelling | Equipment breakdown coverage, extended dwelling coverage, service line |
| Shelter Insurance | Home and Dwelling packages (includes water systems) | Drain or sewer backup, leaky plumbing, weight of ice, snow, or sleet |
| State Farm | Dwelling | Drain or sewer backup, service line, home system breakdown |
| Travelers | Dwelling, weight of ice and snow, frozen internal home systems (includes plumbing) | Water backup or sump pump discharge or overflow |
| USAA | Dwelling, most weather-related perils | Flood |
Read more: Nationwide Insurance Review & Complaints: Homeowners Insurance
Some extra coverages may be available to you through CSAA for an extra charge.
While you’ll need to speak to an insurance representative to determine which of these optional coverages are available where you live, you will most likely be able to secure protections for your jewelry, furs, and even living expenses if you suffer a loss that forces you to leave your home. Depending on your location, you could also be able to purchase earthquake coverage.
Don’t forget that AAA partners have access to umbrella policies as well. Umbrella policies are excellent tools that allow you to dramatically increase your personal liability limit. Some policies offer coverage that reaches $1 million.
How much does home insurance cost with CSAA Insurance?
When you purchase a house through CSAA, you are receiving a AAA product. The average annual rate of a $250,000 dwelling is $1,440 through this company. Multiple factors can influence your rates. Location, in particular, plays a large role in your rate calculation.
You can use this chart below to find the average rate of home insurance in your state:
Average Annual Home Insurance Rates by State
| States | Average Monthly Home Insurance Rates |
|---|---|
| Alabama | $135.33 |
| Alaska | $107.58 |
| Arizona | $112.92 |
| Arkansas | $178.50 |
| California | $102.00 |
| Colorado | $158.25 |
| Connecticut | $98.67 |
| Delaware | $73.50 |
| Florida | $112.75 |
| Georgia | $142.75 |
| Hawaii | $41.75 |
| Idaho | $87.58 |
| Illinois | $110.17 |
| Indiana | $132.25 |
| Iowa | $125.17 |
| Kansas | $184.33 |
| Louisiana | $151.08 |
| Maine | $79.67 |
| Maryland | $93.67 |
| Massachusetts | $108.92 |
| Michigan | $93.33 |
| Minnesota | $162.67 |
| Mississippi | $147.75 |
| Missouri | $187.58 |
| Montana | $147.50 |
| Nebraska | $234.67 |
| Nevada | $87.25 |
| New Hampshire | $69.92 |
| New Jersey | $62.58 |
| New Mexico | $117.33 |
| New York | $153.33 |
| North Carolina | $97.17 |
| North Dakota | $110.25 |
| Ohio | $97.00 |
| Oklahoma | $290.17 |
| Oregon | $63.00 |
| Pennsylvania | $63.17 |
| Rhode Island | $99.42 |
| South Carolina | $95.17 |
| South Dakota | $163.17 |
| Tennessee | $135.42 |
| Texas | $183.92 |
| Utah | $53.92 |
| Vermont | $57.17 |
| Virginia | $84.42 |
| Washington | $71.92 |
| West Virginia | $93.67 |
| Wisconsin | $82.17 |
| Wyoming | $105.25 |
| National Average | $116.08 |
Read more:
With this information, you’ll be able to compare the quotes you get from insurance companies to the state average and see if you are really being offered a good deal.
Does CSAA Insurance offer discounts to homeowners?
When you purchase a home insurance policy through CSAA, you can use your CSAA Insurance login to review your policy to make sure that you aren’t missing out on any opportunities to save money. You may be able to shave as much as 13% off of your rates with a Claim-Free discount or take off 40% if you qualify for an Age of Home discount.
While you’ll need to discuss with a CSAA representative which discounts are available in your area, you could save yourself a nice chunk of change by adding discounts like Protective Devices, Retirement, Home Renovations, and Hail-Resistant Roof to your policy.
You will need to become a member of AAA in order to purchase a policy through CSAA.
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What You Need to Know About CSAA Insurance
Purchasing home insurance through CSAA will grant you access to the CSAA Insurance payment tool online and will also allow you to become a member of AAA, which carries many perks like free emergency fuel and free international maps.
While the additional coverage options offered for home insurance policies may change from state to state, you can reach out to a CSAA representative to learn exactly what’s available to you.
Now that you’ve finished this CSAA review, you can enter your ZIP code to start comparing free quotes from insurance companies near you.
CSAA Claims Process
Ease of Filing a Claim
CSAA Insurance provides multiple channels for filing a claim, ensuring convenience for policyholders. You can file a claim online through their website, over the phone by contacting their customer service, or even through their mobile app. This flexibility allows you to choose the method that suits you best, making the claims process more accessible and user-friendly.
Average Claim Processing Time
One crucial aspect of any insurance company is the speed at which they process claims. CSAA Insurance has earned an A+ rating from A.M. Best, assuring policyholders that their claims will be handled efficiently.
While specific processing times can vary depending on the nature and complexity of the claim, CSAA’s reputation for timely claim settlements provides peace of mind to its customers.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is a valuable indicator of an insurance company’s performance. CSAA Insurance’s commitment to customer satisfaction is reflected in the positive feedback they receive regarding claim resolutions and payouts. Policyholders appreciate the company’s responsiveness and fair handling of claims, which enhances their overall experience with CSAA.
Digital and Technological Features of CSAA
Mobile App Features and Functionality
CSAA Insurance offers a robust mobile app with a range of features designed to streamline your insurance experience. The app allows you to manage your policy, access important documents, and even file claims directly from your smartphone. Its user-friendly interface and functionality make it a valuable tool for policyholders on the go.
Online Account Management Capabilities
Managing your insurance policy online has never been easier with CSAA Insurance. Their online account management platform provides policyholders with the flexibility to review and update their policies, track claims, and make payments conveniently. This digital convenience empowers customers to have more control over their insurance needs.
Digital Tools and Resources
CSAA Insurance provides policyholders with access to a variety of digital tools and resources to enhance their insurance experience. These resources may include educational materials, calculators, and guides to help you better understand your coverage and make informed decisions about your policy.
These digital assets contribute to a well-rounded and supportive insurance experience with CSAA.
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Frequently Asked Questions
Who is CSAA Insurance?
CSAA stands for California State Automobile Association. It is a property and casualty insurance company headquartered in Walnut Creek, CA. Through its partnership with AAA, CSAA provides home insurance coverage to residents in various states.
What coverages does CSAA Insurance provide?
CSAA Insurance offers homeowners insurance coverage, and the specific features and options may vary depending on the state. However, you can expect to receive standard home insurance coverages such as dwelling coverage, personal property coverage, liability coverage, and additional living expenses coverage. Optional coverages for jewelry, furs, earthquake coverage, and more may be available for an additional charge.
How much does home insurance cost with CSAA Insurance?
The average annual cost of home insurance with CSAA is around $1,440 for a $250,000 dwelling. The actual cost of insurance can vary based on factors like location and specific coverage needs.
Does CSAA Insurance offer discounts to homeowners?
Yes, CSAA Insurance offers various discounts that can help homeowners save on their insurance premiums. Some examples of discounts include Claim-Free discount, Age of Home discount, Protective Devices discount, Retirement discount, Home Renovations discount, and Hail-Resistant Roof discount. To determine which discounts are available in your area, it is best to speak with a CSAA representative.
How can I get a CSAA Insurance quote?
To get a CSAA Insurance quote, you can use the free online quote tool on the company’s website or call the CSAA insurance phone number to be connected with an agent. By providing your ZIP code, you can receive personalized quotes from insurance companies near you.
What are the benefits of purchasing home insurance through CSAA Insurance?
When you purchase home insurance through CSAA, you gain access to the CSAA Insurance payment tool online and become a member of AAA. AAA membership offers additional perks such as free emergency fuel and free international maps.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.