Auto Insurance
AAA Insurance in Florida: Bundle Home and Auto with a Local, Trusted Independent Insurance Agency
Looking for reliable home and auto insurance in Jacksonville or anywhere in Florida? AAA offers a unique bundled package that covers both your home or condo and your car under one policy — with just one premium and one deductible. It’s a simple way to save money and get stronger coverage from a company rated by AM Best. While our agency is proudly based in Jacksonville, we help clients all across Florida get great rates and trusted advice for AAA home and auto insurance. Whether you're in Orlando, Tampa, or anywhere in between, our team can help you bundle and save with AAA.
At Augustyniak Insurance Group, we’re a local AAA independent insurance agent in Jacksonville, FL. With over 2,000 five-star Google reviews and 20 years of experience, we help Florida homeowners and drivers find the right coverage — and take full advantage of the AAA home and auto bundle.
🏡 Does AAA Write Home Insurance in Florida?
Yes — but only as part of a home and auto insurance bundle. AAA does not offer standalone home insurance policies in Florida. Instead, they provide a unique combined package that covers your primary residence (home or condo) and your car under a single policy.
This means you must insure both your home (or condo) and your vehicle with AAA to be eligible. If you only need home insurance without auto coverage, AAA is not the right fit. But if you're looking for a bundled solution with built-in savings and simplicity, AAA’s package is one of the best options available in Florida.
Need help determining if your property qualifies? Call our local Jacksonville agency — we’ll review your situation and give you a personalized recommendation.
🏡 How AAA Home and Auto Insurance Works in Florida
AAA Insurance in Florida is different from many other options on the market. Instead of selling standalone homeowners or condo policies, AAA offers a bundled insurance package that combines both property and auto insurance into a single annual policy.
✅ What’s Included:
- Home and Auto Bundle — for those who own a single-family home and a vehicle
- Condo and Auto Bundle — for Florida condo owners
- Optional Umbrella Insurance — extra liability protection available for eligible clients. You can also add umbrella insurance to your AAA package. This provides extra liability coverage above your home and auto limits, offering added peace of mind if you're sued or involved in a major claim.
🚫 What’s Not Available:
- No standalone home or condo policies
- No coverage for rental properties or landlords
- No renters' insurance offered at this time
💡 Why Bundle Home and Auto with AAA in Florida?
If you've been thinking about switching, here’s a compelling reason: Floridians who bundled their home and auto insurance with AAA saved an average of $1,636* per year.
That’s not just convenience — that’s real value backing every policy. AAA clients enjoy these savings, in addition to benefits such as a single deductible, simplified billing, and the peace of mind that comes with AM Best-rated coverage.
- Combine home (or condo) and auto into one policy
- Average savings: $1,636 annually*
- All backed by trusted local service from our Jacksonville agency
*Average based on 2023 survey results of Florida customers who switched to AAA and bundled home and auto insurance. Savings may vary.
💰 Save Money and Simplify Coverage
- One policy for both home and auto
- One deductible if both are damaged in the same covered loss
- One renewal date — easier to manage and budget
🧾 Do You Need an AAA Membership to Qualify?
Yes — to purchase the AAA home and auto package in Florida, you must be a AAA member. But good news: you don’t need to have a membership in advance.
When you call our office for a quote, we can:
- Add the AAA membership at the same time as your policy
- Ensure you're set up for member benefits like Roadside Assistance, identity protection, and travel discounts
📞 Get AAA Home Insurance in Florida Through a Local Agent
At Augustyniak Insurance Group, we’ve helped thousands of Florida families find the right protection at the right price — and we’re proud to be a trusted AAA insurance agency.
🤔 Does It Cost More to Use an Agent?
No — it does not cost more to use a local AAA insurance agent like us.
Your AAA rates are the same whether you work with us or go directly through AAA. In fact, using a licensed agent often gives you an advantage:
- ✅ We help you understand your coverage and avoid costly gaps
- ✅ We take the time to compare options and explain discounts
- ✅ You get local support if you ever need help with a claim or billing
There are no extra fees to use our agency — just friendly service, trusted advice, and the same great AAA coverage and pricing.
🌟 Why Choose Augustyniak Insurance Group for AAA Insurance in Florida
At Augustyniak Insurance Group, we believe getting great insurance shouldn’t mean giving up great service. As a trusted local AAA Insurance agency based in Jacksonville, we go beyond just quoting a policy. We take the time to explain your options, guide you through eligibility requirements, and help you take full advantage of AAA's member benefits. With a strong reputation built over two decades, we’re proud to help Florida families protect what matters most—while making insurance simpler and more personal.
- Local service from licensed Florida agents
- Over 2,000 5-star Google reviews
- 20 years in business helping Florida homeowners
- Multiple industry awards for client satisfaction
- We walk you through AAA eligibility, membership, and savings
🔍 Who Should Consider AAA Insurance in Florida?
AAA Insurance is a great fit for Floridians who want a trusted, bundled solution that simplifies their coverage and provides real value. If you own a home or condo and a vehicle, and you’re looking for the stability of an AM Best-rated insurer, AAA may be exactly what you need. Their bundled policy offers convenience, financial strength, and built-in savings — all backed by local service from our Jacksonville agency.
This option is deal for:
- ✅ Florida residents who own a home or condo and a vehicle
- ✅ Drivers who want extra protection and personalized service
- ✅ Families seeking stronger-rated insurance carriers than the typical Florida home insurers
- ✅ Anyone looking to bundle policies and simplify coverage under one premium and one deductible
🏁 Get a Quote for AAA Home and Auto Insurance in Florida
Ready to find out if an AAA home and auto bundle is right for you? We make the process easy — and we’ll let you know if you qualify.
📞 Call us today at 904-268-3106 to speak with a local expert.
- Review your current coverage
- Provide a personalized AAA quote
- Add a membership if you’re not already an AAA member
- Help you save with the right bundle for your needs
📝 Quick Recap
| Feature | Included with AAA in Florida |
|---|---|
| Home + Auto Bundle | ✅ Yes |
| Condo + Auto Bundle | ✅ Yes |
| Umbrella Add-On | ✅ Yes, if purchased |
| Rental Property Insurance | ❌ No |
| Renters Insurance | ❌ No |
| AAA Membership Required | ✅ Yes (we can add it for you) |
🛑 Important Note:
Not all homeowners qualify for AAA coverage. Let our team review your needs and confirm if the AAA home and car bundle is the right fit for you.
🤔 Can Independent Agents Sell AAA Insurance in Florida?
AAA insurance in Florida is available through specially appointed agencies like ours. While not all independent agents can offer AAA products, Augustyniak Insurance Group is an authorized AAA insurance agency.
This means you benefit from local, personal service and the flexibility of an independent agency — one that can help you compare AAA with other carriers and find the best coverage for your needs.
👇 Start Your AAA Quote Today
Call Augustyniak Insurance Group in Jacksonville, FL
📞 904-268-3106
Let’s simplify your insurance, save you money, and make sure you’re truly protected — all with local service you can count on.
*Average annual savings based on AAA Insurance customers in Florida who bundled home and auto in 2023. Actual savings may vary. Source
Augustyniak Insurance Group is an independent insurance agency authorized to offer AAA Insurance products in Florida.
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