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
Publicly available material for Auto Club Insurance Association (The Auto Club Group/AAA of Michigan) provides only limited, consumer-facing eligibility and declination language rather than a full producer underwriting manual. The following operational guidance is inferred from those documents and should always be confirmed against current ACIA/AAA agent resources. HOMEOWNERS (MICHIGAN – ACIA/ACG HOME PRODUCT) Preferred / typical eligibility - Most owner-occupied 1–4 family dwellings, condos, and tenant-occupied units for insureds who personally reside in the home and maintain standard insurance limits. A consumer brochure for "Select Home" coverage describes typical rating factors (construction, protection class, prior insurance, occupants, dogs, presence of smokers, etc.) and assumes mainstream residential risks. ([member.acg.aaa.com](https://member.acg.aaa.com/content/dam/acg/pdfs/SelectHome.pdf?utm_source=openai)) Key automatic ineligible / declined risks (per consumer-facing brochure wording) - Dwellings that are travel trailers, camper trailers, or mobile homes. - Dwellings used for illegal or demonstrably hazardous purposes. - Dwellings below minimum coverage thresholds: - H‑3 (standard homeowners): Coverage A below $35,000 without Modern Construction Value endorsement, or below $15,000 with that endorsement. - H‑4 (tenants): Coverage A below $1,000 or Coverage C below $20,000. - H‑6 (condo): Coverage A below $20,000 or Coverage C below $20,000. - Risks where the insured does not live in the home being insured (non‑owner‑occupied risks are generally not eligible on this homeowners form). - Dwellings that are commercial or mercantile buildings, including conversions with physical conditions that create an extreme likelihood of significant loss. - Dwellings left unoccupied for more than 60 consecutive days, or where the insured intends to keep premises vacant or unoccupied. ([member.acg.aaa.com](https://member.acg.aaa.com/content/dam/acg/pdfs/SelectHome.pdf?utm_source=openai)) Geographic / structural notes - Materials reference “Auto Club Group Insurance Company” and are clearly tailored to ACG’s home product, which is actively sold in Michigan; eligibility language implies standard residential occupancy expectations (owner‑occupied primary residence, maintained condition, acceptable roof, etc.). ([member.acg.aaa.com](https://member.acg.aaa.com/content/dam/acg/pdfs/SelectHome.pdf?utm_source=openai)) Submission & documentation expectations (inferred) - Applications must meet state Essential Insurance Act eligibility; as a Michigan admitted carrier, ACIA must accept eligible persons and avoid steering away qualifying applicants. Producers must not avoid submitting eligible business solely to avoid acceptance obligations. ([michigan.gov](https://www.michigan.gov/difs/legal/bulletins/insurance-bulletins-1990---1995/bulletin-no-93-01?utm_source=openai)) - Expect standard carrier practices: current occupancy, accurate dwelling characteristics, prior insurance details, and any required proof of repairs or updates where underwriting has raised a condition concern (commonly referenced in Michigan AAA-related discussions, though detailed rules are not posted publicly). Producer / broker notes (inferred) - Agents are expected to follow Essential Insurance Act rules and may not restrict or channel eligible persons away from ACIA homeowners coverage as a means of avoiding underwriting obligations. ([michigan.gov](https://www.michigan.gov/difs/legal/bulletins/insurance-bulletins-1990---1995/bulletin-no-93-01?utm_source=openai)) - Consumer materials state that coverage is subject to underwriting eligibility; agents should expect possible non‑renewal or refusal when a risk falls into one of the ineligible categories listed above. BOAT / WATERCRAFT (MICHIGAN – BOAT INSURANCE THROUGH AAA) Product & territory - AAA offers boat and personal watercraft insurance through Auto Club Insurance Association and affiliated companies. A Michigan‑specific page confirms availability for Michigan, Illinois, and Wisconsin for some towing benefits and makes clear that coverage is provided either by ACIA/affiliated ACG carriers or non‑affiliated insurers. ([michigan.aaa.com](https://michigan.aaa.com/insurance/boat_insurance.aspx?utm_source=openai)) Preferred / target business (inferred from marketing features) - Privately owned pleasure boats and personal watercraft used for personal or family recreation, generally with: - Standard power units (with discounts for diesel primary motors and certain safety equipment). - Normal inland or near‑shore navigation. - Owners who also maintain other AAA/ACIA policies (auto, home, condo, renters) to qualify for multi‑policy discounts. ([michigan.aaa.com](https://michigan.aaa.com/insurance/boat_insurance.aspx?utm_source=openai)) Key coverage and risk signals - Coverage options include medical payments, physical damage (replacement cost/purchase price, agreed value, or ACV), towing (roadside and on‑water), equipment and fishing gear coverage, and extra equipment endorsements. These options typically indicate a focus on newer, well‑maintained boats within carrier size/value and horsepower ranges. ([michigan.aaa.com](https://michigan.aaa.com/insurance/boat_insurance.aspx?utm_source=openai)) Restricted or declined classes (inferred – not explicitly listed by ACIA) - The public page does not list prohibited watercraft, but generic AAA/agent educational content notes that insurers often deny coverage for certain high‑risk boat types (very high‑horsepower performance craft, racing, or commercial use). ([hoosier.aaa.com](https://www.hoosier.aaa.com/insure-your-boat-proper-coverage?utm_source=openai)) - Expect standard carrier prohibitions or underwriting referral for: - Commercial or charter use, racing, or rental fleets. - Very old, poorly maintained, or heavily modified vessels. - Unusual hull types or houseboats inconsistent with the personal lines program. Geographic notes - A Michigan AAA boat page states that certain benefits (e.g., reimbursed roadside towing of the boat on a trailer) are available only in Michigan, Illinois, and Wisconsin, confirming that the program is structured for Great Lakes/upper‑Midwest club territories. ([michigan.aaa.com](https://michigan.aaa.com/insurance/boat_insurance.aspx?utm_source=openai)) Submission requirements & producer instructions (inferred) - Site directs prospects to "Contact an agent" or call AAA for quotes, implying that all submissions are agency‑driven and must follow ACIA’s internal underwriting criteria. ([michigan.aaa.com](https://michigan.aaa.com/insurance/boat_insurance.aspx?utm_source=openai)) - Agents should gather full vessel details (type, length, value, propulsion, safety equipment, navigation area, prior losses) and confirm recreational vs. commercial use before submitting to ACIA or the designated program carrier. CAVEATS - No public ACIA/AAA of Michigan producer underwriting guide is posted; guidance above is derived from consumer-facing eligibility/declination language, general Michigan regulatory bulletins, and marketing material only. For binding authority, appetite edges, and specific restricted classes (especially for high‑value homes, non‑standard occupancies, and high‑performance or commercial watercraft), defer to ACIA’s internal underwriting manuals and current agency bulletins.