Auto Club Insurance (AAA of Michigan)
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
No verified public producer/broker underwriting or appetite guide was found on the official AAA Michigan site. Public-facing guidance indicates a personal-lines focus written through the Auto Club Insurance Association family of companies in Michigan, with quoting handled through local agents, online quote requests, or call center follow-up. For Home/Condo, AAA positions the product for owner-occupied personal residences and condos, emphasizing standard homeowners coverages, claim service, and discounts rather than eligibility rules. Publicly promoted fit includes customers seeking bundled personal lines, newer or renovated homes, homes with protective devices such as sprinkler systems, burglar alarms, smoke alarms, or deadbolt locks, and age-50+ households. Covered property examples highlighted include the dwelling, garages/utility buildings, personal property, liability, medical payments, and identity-theft related protection. No public declination list, protection class limits, age-of-home rules, coastal/inland restrictions, vacancy rules, or occupancy exclusions were published on the pages reviewed, so those items should be treated as unverified and likely agent-screened at quote stage. For Boat/Watercraft, AAA actively markets a broad recreational-watercraft appetite including bass boats, runabouts, cabin cruisers, deck boats, aluminum fishing boats, sailboats, pontoon boats, and personal watercraft. Preferred characteristics suggested by discounts include good operator/loss history, approved boat safety course completion, original ownership, multiple boats, paid-in-full billing, companion AAA personal-lines business, and proof of more than eight months of continuous prior boat insurance in the past 12 months. Product features promoted include liability, uninsured/underinsured boaters, medical payments, physical damage, replacement cost/purchase price, agreed value or actual cash value settlement options, attached/portable equipment, fishing equipment coverage, and on-water towing/labor. Geographic note: the Michigan AAA site markets boat insurance with certain trailer-towing benefits noted as available only in Michigan, Illinois, and Wisconsin. Submission/process notes: quote requests are expressly described as no-obligation, not a binder or application, subject to verification, and followed up by contact within the next business day or earlier; customers are directed to Find an Agent or call 800.222.6424. Broker/producer note: no independent broker submission portal, appetite bulletin, or producer manual was publicly verified; distribution appears agent-centric through AAA agencies/branch agents rather than a public wholesale/broker submission workflow.