AARP® Renters Insurance From The Hartford

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Get a renters insurance quote from The Hartford to protect your personal belongings.
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What Is Renters Insurance?

If you rent an apartment, condo or home, you’ll need to protect yourself and your personal belongings. Even though you don’t own the space, you still face many risks, like fire, theft or storm damages. That’s where renters insurance through the AARP® Home Insurance Program from The Hartford1 can help. It helps cover the cost to repair or replace your things if they’re damaged and offers liability protection if someone is injured at your home.
 
The Hartford knows you have unique needs, and we’ll work with you to customize your renters insurance policy. Plus, as an AARP member, you can take advantage of discounts to help lower your renters insurance cost. Take the steps to protect your belongings and get a today.
 

Why Get Renters Insurance?

As a renter, your landlord insures the physical structure of your apartment, condo or home. But that doesn’t protect your belongings inside the rental. If you rent from a homeowner, your belongings won’t be covered under their landlord insurance policy. That’s why renters insurance is important to have, so you can fix or replace your belongings if they get damaged from a covered loss, like:
 
  • Fire and smoke damage
  • Theft or burglary
  • Vandalism
It’s important to know what kind of damage your renters insurance policy covers. Your policy will tell you what’s excluded from coverage. If you need additional coverage, you can get a special personal property coverage endorsement. This can increase your premium, but it extends your protection to include losses not typically covered in a standard renters insurance policy.
 

Is Renters Insurance Worth It if My Belongings Aren't Worth a Lot?

The cost of things like clothing, cookware and other small household items can quickly add up if you have to replace them all at once. Renters insurance is generally affordable and worth the cost to have peace of mind knowing your belongings are protected in case of an emergency.
 
 

What Does Renters Insurance Cover?

couple researching What Does Rental Insurance CoverYour renters insurance coverage can help you in several ways. Your standard policy includes different types of coverage, such as:

Liability Claims

If you’re legally liable for the accidental death or injury of another person at your rental, your rental insurance has personal liability coverage, which may help pay for costs up to your policy limit. Even if you’re not legally responsible, your insurance policy can help pay for your defense costs or legal fees.

Medical Payments

Your renters insurance can help pay for someone’s medical expenses if they get hurt in your rental. This coverage applies no matter who’s at fault.2

Property Damage

If you or a family member damages someone else’s property, your renters insurance can cover up to $1,000 to fix or replace it.

'New for Old' Protection‡‡

Our “New for Old” protection‡‡ replaces your covered possessions with new items of equal quality, regardless of their age or condition.

Built-In Improvements

Your policy can help cover the costs of any built-in improvements you’ve made to your rental, such as bookshelves or wallpaper, for up to 10% of your personal property coverage. So, if you have $15,000 in personal property coverage, your policy could cover up to $1,500 in damages to your built-in improvements.

Living Expenses

If a covered loss prevents you from living in your rental, your insurance policy can help cover your living expenses, such as hotel fees or food costs. Your renters insurance covers these expenses up to an additional 30% of your personal property coverage.
 

Does Renters Insurance Cover Things Outside of My Rental Unit?

Renters insurance coverage offers protection for your things if they’re stolen or damaged, no matter where you are. For example, if your watch is stolen at the beach, your renters insurance will help pay to replace it, up to your coverage limits, as long as it’s on your policy.
 

How Much Does Renters Insurance Cost?

According to 2024 rates, the average cost of renters insurance is $148 per year, or about $12 per month.3 Remember, your renters insurance cost is unique to you, so you could have a cost that’s higher or lower than the average.
 
Insurance companies look at many factors when determining renters insurance rates, such as:
 
  • Location
  • Estimated value of your personal items
If your rental is in a neighborhood with a history of less claims, your renters insurance policy may be lower than the average. If you’re renting an apartment that’s more inland, your renters insurance cost will likely be lower than if you lived in a waterfront unit.
 

Ways To Save on AARP Renters Insurance From The Hartford

The Hartford makes it easy for you to customize your rental insurance policy to fit your needs. Our team can help you find the right coverage at the right price. We can also find any renters insurance savings or credits to lower your rates, such as:
 
  • Bundling your auto and renters insurance policies
  • 24-hour security service credit if your rental is located within a gated or fenced complex or a locked building that is protected 24 hours a day by uniformed guards at entrances and exits.

Get AARP Renters Insurance Quotes From The Hartford

A couple sits comfortably on their porch after reviewing a renters insurance quote from The HartfordThe Hartford can help you get the right renters coverages at the right price. We’re an insurance company with over 200 years of experience, with the only national auto and home insurance program endorsed by AARP. The Hartford’s goal is to get your life back in order as quickly as possible after a claim. Our claims team is available 24/7 and includes some of the most knowledgeable and caring specialists in the business.
 

How To Compare Renters Insurance Quotes

If you're shopping around for renters insurance, there are a few things to consider when comparing quotes, like:
 
  • Types and amount of coverage that are included in the standard policy.
  • Any additional coverages you may want to include.
  • The maximum amount your insurance company will pay for covered claims.
  • How much you can afford with your deductible if something were to happen.
  • today or call and speak with one of our representatives.

Renters Insurance FAQs

Yes, it’s legal for your landlord to require renters insurance before you sign a lease. You’ll likely have to show proof of insurance if you renew your lease to show your landlord you still have coverage.
Yes. Since rental insurance covers your personal belongings, it is your responsibility to pay the insurance premium to make sure your things are protected.
There’s no easy answer to how much renters insurance coverage you’ll need. That’s because everyone is different, and your coverage needs depend on various factors. A good rule of thumb is to think about how much it would cost to replace your belongings if you lost everything. This can give you a good idea of how much renters insurance coverage you’ll need.
It’s quick and easy to get renters insurance with The Hartford. Getting a quote takes just minutes, and after reviewing your coverage limits, your policy can go into effect shortly after signing the paperwork and paying your premium. 
To get a renters insurance quote through the AARP Home Insurance Program from The Hartford, you’ll need to provide basic information about your home, like your address, current insurance and who lives with you. You’ll then be presented with a customizable quote and can continue to buy your policy online or over the phone.
Creating a home inventory can be helpful if a disaster strikes. This inventory list should include everything inside your rental property to help you figure out what needs to be repaired or replaced. Take note of roughly how much it would cost to replace each item.
Personal property coverage, liability coverage and additional living expenses coverage are generally referred to as the three main components of a renters insurance policy, but you can always add additional coverages as needed.
Landlord insurance helps cover the landlord's property from situations like:
 
  • Damage to the structure of the building caused by covered events, like a fire.
  • Liability coverage if someone is injured while visiting or living at the rental unit.
  • Loss of income coverage if the rental property has damage due to a covered loss, like wind, hail or another covered loss and can no longer be rented out.
Landlord insurance does not cover the belongings of the renter. That’s where renters insurance comes in.
Your renters insurance doesn’t cover flood damage. To protect your belongings from this type of damage, you’ll need to buy a separate flood insurance policy.***
 
It’s also important to remember that while your renters insurance doesn’t cover flooding caused by weather, it does cover water damage from a leak in your rental or a connecting unit.
Renters insurance definition

What Is Renters Insurance?

Learn about Renters Insurance from The Hartford.
homeowners insurance definition

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.

Bundle Your AARP Insurance Coverages

You can get great rates and coverage when you bundle insurance policies through the AARP Auto and Home Insurance Program from The Hartford.

Discover More

 
 
Last Updated: November 1, 2024
 
2 Medical benefits are calculated on the basis of usual, customary and reasonable charges.
 
3 NerdWallet, “The Average Renters Insurance Cost for 2024”
 
*** This is an optional coverage and may not be available in all states.
** 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.