CSAA Insurance: Your Trusted Choice for Affordable Homeowners Insurance

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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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Written by D. Gilson, PhD
Professor & Published Author D. Gilson, PhD

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 1, 2022

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The Highlights

  • 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%.

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

CompanyStandard Coverages That May Address MoldAdditional Coverages That May Address Mold
AAADwellingFlood*
AllstateDwellingWater backup, flood
American FamilyWeight of ice, snow, and sleet, leaking roofs, frozen interior plumbingHome maintenance, flood, and sewer/septic backup and sump pump backup
Amica MutualDwellingCatastrophic coverages (includes flood)
Auto-Owners InsuranceDwellingHomeowners Plus, water backup of sewers or drains, and equipment breakdown
ErieStructure coverageWater Backup & Sump Overflow
EsuranceStructure coverage, weight of ice, snow, or sleetNot specified
GEICODwelling coverage, property damage (includes water damage)Flood insurance
GermaniaPerils (includes water damage)Sewer backup
The HanoverNot specifiedService line, water backup
The HartfordDwelling insurance coverage (includes plumbing and HVAC)Equipment breakdown coverage, water backup & sump overflow
KemperNot specifiedEquipment breakdown coverage, water backup
Liberty MutualDwelling and other structuresWater damage, sewer backup, drain leakage, sump pump overflow
Mercury InsuranceDwellingHome Systems Protection (includes well and sump pumps), Service Line Protection (includes water and sewer lines)
NationwideDwellingFlood, water backup
Plymouth RockDwelling (includes plumbing), water backup and sump overflowFlood, Home Systems Breakdown, Utility Service line
ProgressiveDwelling (includes water damage)Flood, water backup
SafecoDwellingEquipment breakdown coverage, extended dwelling coverage, service line
Shelter InsuranceHome and Dwelling packages (includes water systems)Drain or sewer backup, leaky plumbing, weight of ice, snow, or sleet
State FarmDwellingDrain or sewer backup, service line, home system breakdown
TravelersDwelling, weight of ice and snow, frozen internal home systems (includes plumbing)Water backup or sump pump discharge or overflow
USAADwelling, most weather-related perilsFlood
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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
StatesAverage Annual Home Insurance Rates
Alabama$1,624
Alaska$1,291
Arizona$1,355
Arkansas$2,142
California$1,224
Colorado$1,899
Connecticut$1,184
Delaware$882
Florida$1,353
Georgia$1,713
Hawaii $501
Idaho$1,051
Illinois$1,322
Indiana$1,587
Iowa$1,502
Kansas$2212
Louisiana$1,813
Maine$956
Maryland$1,124
Massachusetts$1,307
Michigan$1,120
Minnesota$1,952
Mississippi$1,773
Missouri$2,251
Montana$1,770
Nebraska$2,816
Nevada$1,047
New Hampshire$839
New Jersey$751
New Mexico $1,408
New York$1,840
North Carolina$1,166
North Dakota$1,323
Ohio$1,164
Oklahoma$3,482
Oregon$756
Pennsylvania$758
Rhode Island$1,193
South Carolina$1,142
South Dakota$1,958
Tennessee$1,625
Texas$2,207
Utah$647
Vermont$686
Virginia$1,013
Washington$863
West Virginia$1,124
Wisconsin$986
Wyoming$1,263
National Average$1,393
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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.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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