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AARP home insurance review

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.
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All 50 states

Available states

24/7 claims

Online quotes



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


  • 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


  • 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.


  • 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
Lemonade home insurance
Enjoy straightforward pricing, transparent flat fee from this completely digital insurer.
Allstate home insurance
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Protect your home and belongings and save even more by bundling insurance with Allstate.
USAA home insurance
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Enjoy great rates and wide coverage with USAA. Available to military members and family.
Policygenius home insurance
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This online marketplace does most of the work for you, matching you with quotes from 14 highly rated home insurers.
Liberty Mutual home insurance
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Invest in affordable insurance that protects your home and your property from damage no matter where you live.

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

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