AARP® Homeowners Insurance Program From The Hartford

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Discover savings with the AARP Homeowners Insurance Program from The Hartford.
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Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.
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Homeowners in front of their home protected by aarp homeowners insurance
Alex C. & Matt M., Customers since 2015 & 2014
40
Years Protecting AARP Members
4/5
Customers Recommend The Hartford
$813
Average Savings When Bundling With Auto Insurance**
Homeowners inside their home enjoying AARP Homeowners Insurance benefits

Choose the AARP Homeowners Insurance Program From The Hartford

The AARP® Homeowners Insurance Program from The Hartford1 can be customized to help protect the investment you’ve made in your home – all at a price that fits your budget. If you’re an AARP member, your AARP membership gives you access to savings and credits that can help lower your rates on a homeowners insurance quote.

Benefits Through the AARP Homeowners Insurance Program From The Hartford

As the official provider of the AARP Homeowners Insurance Program from The Hartford, we offer several benefits to AARP members allowing them to:

Access Discounts and Savings

The Hartford believes in rewarding our customers. That’s why we offer homeowners insurance discounts and savings. See how you can start saving on your home insurance today.

File a Claim Quickly and Easily

The Hartford’s award-winning homeowners insurance claim representatives are the most dedicated and caring in the industry. And no matter when you need them, they’re here, available 24/7 to answer questions and walk you through our simple homeowners insurance claims process. Check out our home insurance customer reviews to see for yourself.
 
 

What Does Homeowners Insurance Protect Against?

The AARP Homeowners Insurance Program from The Hartford offers financial protection for your home and belongings if they are damaged or destroyed. It also helps provide liability protection in case someone is hurt on your property. See below for what is and isn’t typically covered in a standard home insurance policy.
Situation Usually Covered Not Usually Covered
Fire ✓
Theft ✓
Vandalism ✓
Earthquake ✓
Plumbing issues ✓
Smoke damage ✓
Normal wear and tear ✓
Flood ✓
Pest damage (vermin, rodents, etc.) ✓
Freezing of pipes ✓
Weight from snow, sleet or ice ✓

Personalize Your Coverage With the AARP Home Insurance Program from The Hartford

The Hartford offers home insurance coverages for your house and personal property. Standard homeowners insurance helps protect your home and belongings if they’re damaged in the event of a covered loss.
Most home insurance companies offer policies to help protect your home and the structures directly attached to it. Dwelling coverage helps pay the costs to repair or rebuild your home and its attached structures if they’re damaged in a covered loss, like fire, hail or lightning.
If someone who is not a resident of your household suffers an injury or property damage for which you are legally responsible, personal liability protection can help cover your legal defense costs and any court judgments against you, up to your policy limits.
Homeowners insurance protects structures that are not directly attached to your home. For example, if your detached garage is damaged, other structures coverage can help with the repair costs.
Loss of Use Coverage helps pay for your living expenses, up to your policy limits, if your home is unlivable after suffering a loss. If your house has significant fire damage, this type of homeowners insurance covers your stay in a hotel while the repairs are being done.
Medical payments coverage helps pay emergency medical bills if someone who isn’t a resident of your household is injured on your property. Insurance also covers injuries caused by a member of your family or pet, regardless of where it happens. Bills are paid, up to policy limits, whether you’re legally responsible or not.2
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What Home Insurance Coverage Is Required in Your State? 

Select a state using the map or dropdown menu to see if home insurance is required. You can also browse all states home insurance coverages here. Note: Homeowners insurance coverage is not available in all states.
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Frequently Ask Questions About AARP Homeowners Insurance

While homeowners insurance typically isn’t required by law, if you have a mortgage on your home, then usually the mortgage lender will require you to have home insurance.
There is no one-size-fits-all policy when it comes to home insurance. In fact, there are a number of things to consider when choosing the right home insurance coverages for your needs, ranging from local construction costs to the value of your belongings. The Hartford is here to help make sure you and your prized possessions are protected. Call 877-422-2345 to learn more.
No, flood insurance isn’t included in standard homeowners insurance policies. You’d need to purchase a separate flood insurance policy to be protected.
No, rental property insurance isn’t included in standard homeowners insurance policies. If you’re a landlord and own a rental unit, you’d need to purchase rental property insurance separately to help protect your property.
While the unexpected can strike at any moment, there are a number of ways you can protect your home. You can also prevent claims from occurring by installing devices like fire sprinkler systems and monitored alarms or even adding security systems, such as a burglar alarm. And these safety enhancements could save you money on your home insurance policy.
The average cost of homeowners insurance in the U.S. is $1,687 per year, or $141 per month.2 But homeowners insurance rates can vary due to several factors, such as your home’s replacement cost or age, location, type of home or insurance claims history. That’s why having the right homeowners insurance coverage to meet your unique home needs is so important.
Homeowners insurance helps offer financial protection for your home and everything inside of it when damaged by a covered loss. It also helps provide liability coverage if someone is injured on or off your property.
home insurance coverages explained

AARP Home Insurance 101

Learn more about the AARP Home Insurance Program from The Hartford in this video.

Home Insurance Customer Reviews

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“We were distraught after losing everything we took for our wedding anniversary trip … to theft. We were relieved to be able to replace some of our basics … without some of the financial burden. The Hartford was responsive, empathetic and effective. We are so glad as AARP members that we chose them.”
 
Shari
review 1
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“Satisfied with … claim experience. I highly recommend being insured through The Hartford.”
 
Bonita
review 2
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“We got The Hartford Insurance by being members of AARP. Best thing we ever did. They treat you with respect and are very helpful with questions and claim process.”
 
Leo
review 3
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“I am a senior citizen with zero experience filing claims … The Hartford representative has been knowledgeable, patient, understanding, caring, responsive to my questions, and carefully guided me through the process.”
 
Laurene
review 4
quote 5
“The Hartford staff handled my homeowner claim for garage damage in a speedy, professional manner and understood the damage explanation. This was a quick settlement and I'm a happy camper.”
 
Patrick
review 5
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“Our house was hit by a car … and The Hartford was so helpful while I had to find contractors and get estimates. I would recommend The Hartford to anyone looking for a good insurance co.”
 
Denise
review 6
a homeowner searching for a homeowner’s insurance quote

Homeowners Insurance in Plain English

Quick answers and easy-to-understand homeowners definitions written with you in mind.
 
To learn more, read through our homeowners insurance definitions page.
 
 
Last Updated: November 12, 2024
 
Availability of credits or savings may vary by state or policy plan.
 
2 Bankrate, “Average homeowners insurance cost in January 2024.”
 
3 Medical payments are calculated on the basis of usual, customary and reasonable charges.
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance Program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
§§ Terms and conditions apply.
 
‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
 
‡‡ Terms and conditions apply. Availability varies by state.
 
‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).
 
Additional disclosures below.
AARP® Homeowners Insurance
Quick Links
FAQs
Coverages
Additional Resources
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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