Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

AARP home insurance review

Last updated:  

Max out your AARP benefits with discounted home protection from The Hartford.

  • Get a quote if you’re an AARP member.
  • Pick something else if you want more extensive coverage options.
  • Homeowners older than 50 can get quotes.

All 50 states

Available states

24/7 claims

Online quotes

Details

Pros

  • AARP member benefits and discounts
  • Protects a variety of homes
  • Personalized customer service

Cons

  • Members only, age 50+
  • Mixed customer reviews
  • No standout coverage
New home discount discount Yes
New homeowner discount Yes
Home safety features discount Yes
New policy discount No
Bundling discount Yes
No claims discount No
Other discounts No
Personal property coverage Yes
Valuable personal property Yes
Theft coverage Yes
Fire coverage Yes
Flood coverage Yes
Identity theft coverage No
Homesharing No
Dwelling coverage Yes

What home insurance coverage does The Hartford offer?

The Hartford provides standard protection for homes, including:

  • Personal liability
  • Medical payments
  • Dwelling
  • Other structures
  • Loss of use
  • Service lines, like electrical, plumbing and HVAC
  • Equipment breakdown
  • Personal property
  • Valuable items for blanket coverage of jewelry or collectibles

What home insurance discounts can I get with The Hartford?

Find savings for securing your home or by being a loyal AARP member and policyholder. Discounts offered:

  • Claims-free
  • New home
  • Security and safety devices, including deadbolts, smoke detectors, theft alarms and fire sprinklers
  • Car and home bundling, up to 20% off home and 5% off car insurance
  • Retired AARP member credit
  • Renewal credit after four years of loyalty

Pros and cons of AARP home insurance from The Hartford

Pros

  • AARP member benefits and discounts. Combine benefits from financial services, travel and dining discounts for maximum savings.
  • Protects a variety of homes. Get coverage for many homes, including secondary or vacation homes, rental properties and homes undergoing renovations.
  • Personal touch. Connect with a local agent for personalized customer service.

Cons

  • Members only. The Hartford only serves AARP members.
  • Standard coverage listed. You can find similar home coverage from competitors. And the info on the site is not transparent or easy to find, making it difficult to compare your options.
  • Mixed reviews. Reviews on Trustpilot praise The Hartford’s coverage and service. But other reviews on the Better Business Bureau reveal issues with billing and denied claims — a common complaint for home insurers.

How to apply for AARP home insurance

Get an online quote in a few steps, although some homeowners might have to call a representative. To apply:

  1. Enter your ZIP code from the home insurance page. Click Start quote.
  2. Fill in basic information about you and your home and tap Continue.
  3. Answer additional questions about your home and hit Continue.
  4. Enter details about previous insurance and claims history, choose coverage and finalize your payment.
  5. In some cases, you may have to call a representative at 800-409-0638 before getting a quote.

What info do I need to apply for home insurance?

Prepare these details before starting your application:

  • Name
  • Date of birth
  • Gender
  • Marital status and spouse information
  • Email
  • Phone number
  • Home address
  • Home safety features
  • Estimated replacement cost
  • Preferred coverage, deductibles and limits
  • Payment information

Alternatives to The Hartford

Name Product Storm & water backup Valuable property Enhanced rebuild Homeshare coverage Available states
Policygenius home insurance
All 50 states
This online marketplace does most of the work for you, matching you with quotes from 14 highly rated home insurers.
Hippo home insurance
AL, AZ, CA, CO, GA, IL, IN, MD, MN, MS, MO, NV, NM, OH, PA, SC, TN, TX, UT, WI
Get an online quote in 60 seconds and find out how much you could save with Hippo.
Kin home insurance
AL, FL, GA, TX
Get coverage fast with policies designed to protect coastal homes.
Progressive home insurance
All 50 states
Protect your home and auto insurance with Progressive to save a bundle.
Allstate home insurance
All 50 states
Protect your home and belongings and save even more by bundling insurance with Allstate.
Liberty Mutual home insurance
All 50 states
Invest in affordable insurance that protects your home and your property from damage no matter where you live.
loading

Compare up to 4 providers

Bottom line

The Hartford provides standard home coverage through an exclusive partnership with AARP. That means you could enjoy member discounts, unless customer experiences lead you to compare more home insurance companies first.

Frequently asked questions about AARP home insurance from The Hartford

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.
Go to site