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 official producer/broker-only underwriting appetite, submission, or risk guide was found on the public AAA Michigan site for Auto Club Insurance (AAA of Michigan). Publicly posted guidance is consumer-facing and indicates business is written for AAA members and Michigan residents, with quoting handled online, by phone, or through local agents. For Home, AAA markets homeowners and condo coverage in Michigan and emphasizes standard owner-occupied personal lines risks, offering quote intake rather than bindable submissions; the online form states it is a no-obligation quote only, not a binder or application, and information is subject to verification. Practical indicators of preferred home business include newer or renovated homes, homes with security/protective devices, verified newer roofs, hail-resistant roofs, Fortified/IBHS features, claim-free insureds, prior continuous insurance, retirees/50-plus insureds, smoke-free households, and accounts that can be packaged with auto or other AAA business. Public materials also show optional accommodations for trust ownership, scheduled personal property, incidental home hosting/rental, home day care, and specified business pursuits by endorsement, which suggests these exposures may require added underwriting review rather than being broadly ineligible. No public decline list, occupancy blacklist, coastal/wildfire restriction bulletin, or Michigan territorial limitation beyond service to Michigan residents was found. For Boat/Watercraft, AAA states it insures bass boats, runabouts, cabin cruisers, deck boats, aluminum fishing boats, sailboats, pontoon boats, and personal watercraft. Preferred characteristics implied by available discounts/features include original owners, safe boaters who completed approved safety courses, claim- and violation-free operators, multi-boat accounts, packaged AAA customers, proof of prior continuous boat insurance, and boats with qualifying safety equipment such as diesel-powered primary motors, permanently installed automatic fire extinguishers, fume/CO2 detectors, or idle assisted steering on personal watercraft. Michigan-specific note: reimbursement for roadside service when the boat is on a trailer is stated as available only in Michigan, Illinois, and Wisconsin. Submission/placement guidance visible publicly is limited to contacting an agent, calling 800.222.6424, or using the online quote flow; there were no verified broker upload instructions, loss-run requirements, ACORD requirements, inspection rules, or appointment notes on the public site.