Auto Club Insurance (AAA of Michigan)

Carrier appetite summary

No formal, public-facing underwriting or producer manual for Auto Club Insurance Association (AAA of Michigan) homeowners or boat/watercraft was located. The carrier markets personal lines in Michigan, including home and boat, with policies underwritten by Auto Club Insurance Association, MemberSelect Insurance Company, Auto Club Group Insurance Company or related affiliates. All products are noted as "subject to underwriting requirements" or "subject to underwriting eligibility requirements," but the detailed criteria are not disclosed on the public site. HOMEOWNERS (MICHIGAN) • Appetite / preferred business (inferred from marketing): owner-occupied primary residences for AAA members and Michigan residents, standard construction, risks that also place auto and possibly other lines with AAA to qualify for multi‑policy discounts. A retired homeowner discount is advertised for insureds age 55+ and retired, again "subject to underwriting requirements," indicating a preference for stable, long‑tenured owner-occupants. • Restricted or declined risks: The public site does not list explicit prohibitions. Michigan law requires written, consistently applied underwriting rules for home insurance but does not require those rules to be published. Cancellations and non‑renewals (e.g., for roof condition or presence of certain hazards) discussed in consumer forums appear to come from internal guidelines rather than public rules and should not be relied upon as official criteria. • Geographic notes: Marketing consistently states that coverage is for AAA members and residents of Michigan. Home products are therefore written on Michigan properties only. Underwriting rules must be applied uniformly across the state under Michigan’s Essential Insurance Act; agents and the insurer may not "channel" eligible applicants away to avoid accepting them, and all automobile and home underwriting rules must be in writing and used consistently. • Submission / agent workflow: The site directs prospects to contact a local, licensed AAA insurance agent or call the central phone number. There is no open broker network; business is written through AAA-employed or captive agents. No separate producer appointment or broker submission portal for independent agents is published for Michigan. Quotes are initiated by phone, online lead form, or in-branch, with full underwriting handled by the carrier after submission. • Producer / broker instructions: For home, the carrier emphasizes that the policy contract, not site marketing, governs coverage, and that all products are subject to underwriting eligibility. Agents must follow Michigan requirements around submitting applications for eligible persons and may not create office-level restrictions that circumvent state underwriting rules. BOAT / WATERCRAFT (MICHIGAN) • Appetite / preferred business: Personal-use boats and personal watercraft owned by AAA members and Michigan residents. Coverage options include liability, medical payments, physical damage (with loss settlement options such as replacement cost/purchase price, agreed value, and actual cash value), permanently attached equipment, portable boating equipment, fishing equipment, and towing/assistance. Various discounts are promoted for risk characteristics that align with preferred business: boats with safety equipment (diesel primary motor, permanently installed automatic fire extinguishers, fume or CO₂ detectors), personal watercraft with idle-assisted steering, multiple boats on one policy, multiple policies with AAA (auto/home/condo/renters), loyalty at renewal, and paid-in-full. • Restricted or declined risks: The public page does not enumerate excluded classes (e.g., high‑performance racing craft, commercial use, or large yachts). Those limitations are handled in internal underwriting and policy forms. Towing coverage while trailered is available only in Michigan, Illinois, and Wisconsin, suggesting some regional tailoring but not explicit appetite restrictions. • Geographic notes: The Michigan AAA boat insurance page states it serves AAA members and residents of Michigan. Some coverage features (e.g., reimbursement for roadside towing while trailering) are explicitly limited to MI/IL/WI; on‑water towing coverage is available when disabled on the water but is still marketed primarily to Michigan members. • Submission / agent workflow: Boat quotes are obtained by contacting a AAA agent via phone or find-an-agent tools; there is no open, third‑party broker submission path. Underwriting is performed by AAA or affiliated insurers; eligibility is noted as subject to underwriting but no class‑by‑class matrix is published. • Producer / broker instructions: No separate producer underwriting guide or rating/eligibility matrix is publicly linked. Agents are expected to route all boat and personal watercraft submissions through AAA’s internal systems and follow carrier eligibility and discount rules. OPERATIONAL NOTES • Use AAA’s own agents and quoting channels; do not assume independent-broker access unless you have separate contractual arrangements with the Auto Club Group. • Expect standard Michigan personal-lines underwriting: written, uniform rules that are not published but must comply with the Essential Insurance Act. Profile and pre‑qualify for basic home condition, occupancy, and companion auto coverage, and for boat, confirm personal use, safety equipment, and eligibility for multi‑policy and multi‑boat discounts. • Because no official public underwriting or appetite guide is posted, treat all marketing statements as subject to change and confirm specific eligibility, surcharges, and exclusions directly with your AAA marketing/underwriting contact before binding.

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