Home Insurance

Protect Your Home

What type of place do you call home - a house, condo,
apartment or mobile home?

Whether you rent or own, it's essential to have adequate insurance coverage to protect your assets. AAA Insurance can set you up with a policy specifically designed for your type of home. Whether you own a house and need to insure everything, or rent and just need content and liability protection, your AAA Insurance agent has you covered.

If you'd like a free, no-obligation quote for homeowners insurance, please complete our online quote form. If you need more information, one of our licensed agents will contact you during the next business day.

Fire & Smoke Damage
* Limit the movement in the home to prevent soot particles from being impregnated into upholstery and carpets. Keep hands clean. Soot on hands can impregnate upholstery, walls and woodwork, causing more damage.
* Blow off or brush-vacuum loose soot particles from upholstery, drapes and carpets.
* Place clean towels or old linens on rug and carpet traffic areas to prevent more soiling.
* If electricity is off, empty freezer and refrigerator completely and prop doors open.
* Clean and protect chrome on kitchen and bathroom faucets, trim and appliances with a light coating of Vaseline or oil.
* Pour anti-freeze in sinks, toilet bowls and tubs if heat is off during the freezing season.
* Wash off house plants on both sides of leaves. (Water softener helps.)
* Change furnace filter.
* Cover upholstery with sheets before use.
* Tape double layers of cheesecloth over air registers.
* Do not attempt to wash any walls or painted surfaces without first contacting a professional restoration service.
* Do not attempt to shampoo carpet or upholstered furniture without first consulting a professional restoration service.
* Do not attempt to clean any electrical appliances, TV sets, radios, etc. that may have been close to fire, heat or water without consulting an authorized repair service.
* Do not use any canned or packaged food or beverages that may have been stored close to fire, heat or water. (They may be contaminated.)
* Do not turn on ceiling fixtures if ceiling is wet. Wiring may be wet or damaged.
* Do not send garments to an ordinary dry cleaner. Improper cleaning may set the smoke odor.

Water Damage
* Remove as much excess water as possible by mopping and blotting.
* Wipe as much excess water as possible from wood furniture after removal of lamps and tabletop items.
* Remove and prop up wet upholstery cushions for even drying (check for possible bleeding).
* Place aluminum foil, china saucers or wood blocks between furniture legs and wet carpeting.
* Turn air conditioning on for maximum drying in summer; open windows to speed drying in winter.
* Remove Oriental rugs or other colored rugs from wet wall-to-wall carpeting.
* Open drawers and cabinet doors for complete drying. (Do not force, however.)
* Remove valuable paintings and art objects to a safe place.
* Open suitcases and luggage to dry, in sunlight, if possible.
* Punch small holes in sagging ceilings to relieve trapped water. (Don't forget to place pans underneath.)
* Do not leave wet fabrics in place; dry as soon as possible, hang furs and leather goods to dry separately at room temperature.
* Do not leave books, magazines or other colored items on wet carpets or floors.
* Do not use your household vacuum to remove water.
* Do not use TVs or other appliances while standing on wet carpets or floors, especially on wet concrete floors.
* Do not turn on a ceiling fixture if the ceiling is wet, and keep out of rooms where ceilings are sagging from retained water.

Vandalism Damage
* Hose down or wash egg damage from the building exterior as soon as possible.
* Wipe up freshly spilled food from carpets and fabrics with a dampened cloth or sponge (but don't overwet). Do scrape and blot (don't rub; it may cause fuzzing or damage fibers.)
* Vacuum glass particles from carpets and upholstery.
* Save containers which will reveal the composition of spilled inks, cosmetics, and paints.
* Throw out wood chips, broken pieces from furniture, porcelain or other art objects.
* Do not attempt to remove ink, paint or cosmetic stains.
* Do not operate damaged lamps or appliances.

Home Emergency Tips

Home Emergency

Your home is your castle, and it is natural for you to want to get your prize possessions back in order after fire, smoke or water damage. Timely action is called for, but if incorrectly done, can aggravate the problem.

The tips listed below will assist you in taking the proper action until professional assistance arrives and will increase the chances for a successful restoration.

Fire & Smoke Damage
Water Damage
Vandalism Damage

Talk to an Agent

AAA Insurance Agents are available to assist you
every day 9 AM - Midnight.



Your local AAA store

Home Insurance Terms

Actual Cash Value: What a damaged or stolen item was actually worth (as "used" goods) at the time of the loss. This is usually less than replacement cost.

Adjuster: Person whom the insurance company pays to settle your claims. The adjuster may be either a company employee or under contract to the company.

Appraisal: An evaluation of your property that estimates its market value.

Claim: The description of a loss which you must provide the insurance company in order to collect.

Deductible: The part of a loss that you must pay out of your own pocket.

Exclusions: Things your insurance policy does not cover.

Fraud: Filing claim for a loss you did not have or for more than the loss was really worth.

Loss: The dollar value of property damage or physical injuries.

Negotiation: Discussion between you and the insurance company's adjuster about the value of your loss.

Offer: The amount the insurance company adjuster proposes to give you for your loss.

Peril: The cause of the loss. Examples: fire, explosion, tornado, theft.

Public Adjuster: A person whom you may hire to help settle your claim with the insurance company.

Replacement Cost: How much it will cost you to replace a stolen or damaged item with a comparable new item at today's prices.

Settlement: The amount that you finally agree (after negotiations) to accept from the insurance company as full payment for your loss.

Make Your Home Safer

Your insurance company may offer discounts for taking precautions, such as:

  •   » Make a map of alternative fire exits
         from every room.
  •   » Install smoke detectors, carbon
         monoxide detectors and fire
         extinguishers on each floor. Test
         them often!
  •   » Have fire drills with all family
         members, including pets.
  •   » Install deadbolt locks on all outside
  •   » Put metal or wooden rods in the
         lower track of sliding doors.
  •   » Keep your garage door down and
         locked, even when you're home.
  •   » Keep hedges and bushes near
         doors trimmed so thieves have no
         where to hide.

Make your home safer

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