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Homeowners Insurance

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The AARP® Homeowners Insurance Program from The Hartford

Choosing the right provider for your home insurance is an important decision. With The Hartford, you'll get the peace of mind that comes with knowing you've got the right home insurance for your needs at a great price.

Features and Benefits of Home Insurance

Compare these features and benefits to see how the AARP Homeowners Insurance Program from The Hartford measures up to your existing home insurance policy or other insurance carriers' coverage options.

Availability of features and benefits may vary by state.

100% Protection Plan

When you choose this benefit and insure your home for 100% of its replacement cost, you're assured that if something happens to your home, The Hartford will pay the full cost to rebuild it, even if it costs up to 150% (an option for 125% is also available) of the applicable limits of your house insurance policy.

"New For Old" Protection of Your Possessions

We'll pay the actual cost to replace your possessions – regardless of age or condition – with brand new items of equal quality.

ProtectorPLUS Homeowners Deductible Forgiveness

Up to $5,000 of your homeowners insurance deductible will be waived if you experience a qualifying loss of $25,000 or more.

This coverage does not apply to special deductibles such as hurricane, earthquake, coal mine subsidence, special wind/hail or optional special theft deductibles.

Lifetime Renewability

No need to worry about losing your home insurance. Once you become a policyholder, your insurance coverage can never be canceled as long as you meet a few simple requirements such as paying your premium when due.

Be Flood Smart!

Most homeowners insurance policies don’t cover flood damage to your home or its contents. The good news is that flood insurance is available from The Hartford through the federally-backed National Flood Insurance Program (NFIP). Click here to learn more about flood insurance and to request a quote.

Ways to Save

You may qualify for a variety of credits and discounts that make your home insurance quotes even more affordable. Here are some of the ways you could save.

Availability of credits or discounts may vary by state or policy plan.

Bundle and Save

Insure your home and auto with the AARP Auto and Homeowners Insurance Program from The Hartford, and you'll receive up to a 20% discount on your home insurance rates and up to an additional 5% on your auto insurance coverage.

Retiree Credit

If you and your spouse are retired or work less than 24 hours a week, you can reduce your homeowners insurance premium. (The Retiree Credit does not apply to secondary residences.)

Fire / Burglary System Credits

By upgrading your home security with a combination of burglar and fire alarms, you could save up to 20% on your home insurance. Even dead-bolt locks and smoke detectors could save you money. Apartment and condominium owners get an additional credit for 24-hour security guard services.

Renewal Credit

Continue to renew your AARP Homeowners Insurance Program policy from The Hartford and save even more.

Protection for Landlords

Your rental property is valuable. But risk is always in season. Now you can safeguard your rental properties with improved coverage from The Hartford. Rental Property Protection Plus is a new endorsement that's designed to insure up to four family rental units.

As a landlord your are ultimately responsible for your property. Protect yourself with Rental Property Protection Plus.

Rental Property Protection Plus Covers:

  • Your rental dwelling, with replacement cost
  • Fair rental value (20% of dwelling coverage)
  • Property damage by vandalism or burglars
  • Damage to lawns, plants and shrubs

If you are age 50 or older, once you're insured through this Program for at least 60 days, you cannot be refused renewal as long as applicable premiums are paid when due. Also, you must continue to insure your home for at least 80% of your home's rebuilding value, must not have obtained your policy through material misrepresentation, and cannot have knowingly increased your home's hazard level.

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