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About AARP/Hartford Homeowners Insurance
The Hartford is the only AARP-approved insurance company. Its home insurance policies are flexible and provide multiple discount opportunities. While its quote process can be lengthy, its online claim filing and bundle options make it an affordable and savvy option for AARP members.
Pros & Cons
- Online claims
- Multiple discounts
- Not available nationwide
- Long quote process
The Hartford provides home insurance discounts and benefits for AARP members. Its online quotes can take a while and its coverage is available only in some states, but many find it affordable and satisfactory.
AARP Hartford has always been there for me, the homeowner. Their agents, in my honest opinion, have ALWAYS been professional and courteous. I would HIGHLY recommend any senior cit...Read full review
Lowest price with same coverage as from others by $100's. I've had one claim and they approved and paid it within 5 business days. Customer Service from The Hartford is excellent....Read full review
About AARP/The Hartford home insurance
The Hartford is a nationwide insurance company that offers policies especially for seniors through its AARP Homeowners Insurance Program, which gives AARP members lower rates and credits on home insurance. It has several senior discounts, including one for those who work fewer than 24 hours per week. This program is designed specifically for AARP members, and membership is required in some states.
What does AARP/The Hartford home insurance cover?
The Hartford offers two homeowners insurance policies: Advantage and AdvantagePlus. Both cover home damages and personal property, including garages and sheds. This coverage also helps replace personal property that’s been damaged in a loss and can assist with temporary living expenses if your home is uninhabitable. It also includes liability coverage in case of a legal settlement due to injury or property damage.
The Advantage program pays up to $25,000 in identity theft expenses; AdvantagePlus offers $50,000. AdvantagePlus also provides equipment breakdown coverage, which is similar to a home warranty policy.
Other policy benefits include:
- Replacement cost benefits
- Disappearing property deductible
- Large loss deductible waiver
- 24/7 claims service
AARP/The Hartford home insurance quotes and costs
AARP/The Hartford doesn’t disclose its home insurance rates; these costs depend on a number of factors, including your credit score, property size and location. You can get a no-cost, no-obligation homeowners quote online. The Hartford also offers several discounts, including for insurance bundles, home security systems and renewal credits.
AARP/The Hartford homeowners insurance FAQ
Does AARP offer homeowners insurance?
No, but The Hartford is an auto and homeowners insurance company approved by AARP.
Where is AARP/The Hartford home insurance available?
AARP/The Hartford is available in 34 states: Arizona, Arkansas, California, Colorado, Connecticut, Georgia, Hawaii, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, New Hampshire, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia and Wisconsin.
Can I file home insurance claims online with AARP/The Hartford?
Yes, you can file online or over the phone.
Is AARP/The Hartford home insurance good?
As the only AARP-approved home and auto insurance provider, The Hartford offers special benefits for AARP members and their families. It offers two plan types and flexible payment and coverage options, so most AARP members should be able to find coverage that fits their needs. It also provides access to online claims and an online quote generator, and the company claims to focus on excellent customer service and support.
ConsumerAffairs has collected 144 reviews and 392 ratings.
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Reviewed Aug. 6, 2021
After years of having both home and auto covered by Hartford, I decided to make a comparison. Found exact coverage for half the price. AARP is no one's friend. Their insurance is sky high and you have no input on how they use your membership fees. Incidentally, the only claim over the past 15 years was a $1,000 wind damage claim on the house which they paid $750 after deductible. No driving infractions, nothing that would cause such high rates.
Reviewed Sept. 14, 2020
Best price for both Homeowners and Auto insurance. I saved quite a bit of money when I initially switched insurance companies. Good customer service. I've never had any problems with claims or adjusting insurance coverage. Would highly recommend. Must be over 50 and be a member of AARP.
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Reviewed Aug. 6, 2020
I called an agent to discuss AARP/Hartford homeowners insurance. The agent took my information about my house in Washington DC. All went well until the agent told me that Hartford would not insure a flat roof. I live on Capitol Hill. Almost every house on Capitol Hill has a flat roof. I would not touch this company with a 210 foot pole. See the other reviews. I don't understand why AARP would partner with this company. Wake up AARP. I'm an angry AARP member.
Reviewed Nov. 28, 2019
This is the worst insurance company. They are completely corrupt. They target those of us who are retired. I have never had an insurance claim on any of my properties and they canceled my fully paid policy of $4,000.00 because I did not have a fire extinguisher. After submitting proof of the installation of the fire extinguisher they refused to reinstate the policy because they wanted emergency lighting, at the cost of $50,000.00 installed. They refuse to reimburse the prorated $2,000.00 policy premium I paid for which I am entitled. I have secured new insurance thru Travelers, a much better and more honorable company but dealing with the Hartford was a total time and emotional drain. Go elsewhere. They are the absolute worst.
Reviewed Aug. 15, 2019
While my wife and I were watching TV a large section of my garage ceiling suddenly collapsed. In falling it damaged my large propane garage heater and damaged my garage fan. I took many detailed pictures and obtained two independent drywall repair contractors and submitted my claim to my Home-Owners insurance (thehardford). They denied my claim by stating that because the ceiling drywall was installed using drywall NAILS and not screws that ceiling drywall is fighting gravity and screws should have been used to secure the ceiling. My house is 31 years old and as then and as now, it is still 'Common Practice' to install all ceilings using drywall nails. My insurance review states explicitly that 'Sudden Collapse' IS covered by my policy. I have never heard of such a trumped-up excuse for denying a rightful claim. Am I being bullied because I am old and retired. Is there any course of action to obtain satisfaction?
Reviewed July 24, 2019
I had major kitchen damage from a leak. I had been getting ill with allergy symptoms but did not realize mold was under the floor, till various companies came to dry the floor out. When I contacted The Hartford, they had not added the Mold protection, that we had added on over 5 years earlier. That was fine, because 3 different contractors said the subfloor needed to come up, which meant cabinets came with it..
Long story short.. I went 10 months without being able to fully use my kitchen, before they would authorize the funds for contractors. Gave contractor a hard time and it's a wonder he did not pull away from the job we needed him to do. When the work finally got under way, the big box store we chose for the cabinets messed that up and 4 more months of no kitchen use.
I blame The Hartford for all of it, because they were not at all sympathetic, despite a supervisor one day admitting to me one of their people had dropped the ball.. What should have taken 3 to 4 mos tops, took a year.. The stress and health problems that resulted, to not just the people in the house but the pets as well, will never be recovered.
Reviewed July 22, 2019
Don't be fooled by this company. Even though we purchased through AARP, the company increased their insurance rates to almost double what I found elsewhere. This was done through our lender, so we didn't notice until after several months.
Reviewed June 18, 2019
August 6 2018 a documented hail storm damaged ten homes in my addition all of which were on both sides of my house and across the street. Impossible for my home not to be damaged. I filed a claim with Hartford and they sent out two appraisers, both of them stated my roof did not have any damage. This is almost impossible with all the damage that was done to other homes. Also when I changed insurance companies I found out the Hartford was over charging me $800.00 a year on my premium. Do not trust AARP claims of getting discounts for retired senior citizen. I am presently getting my own appraisal of my damage. DO NOT TRUST AARP!!!!
Reviewed May 20, 2019
We signed up for homeowners and auto insurance. Homeowners didn't like a tree next to the house and our pellet stove, first I heard from them was an e-mail saying they were refunding our money so I called them. They said they were dropping us because of the tree and pellet stove. We were thinking of having the tree topped or even taken out, also Utah in the winter has bad inversions and a lot of red burn or no burn days, we were thinking of taking out the pellet stove. I think homeowners should've offered us say 90 days to correct these problems, we were going to do them anyway. They should not have dropped us. Anyway we dropped them along with auto. No we would not go back to them.
Reviewed May 11, 2019
A maple tree, which was trimmed 2 weeks earlier, split and fell on the corner of the house. When I made the claim, they gave me the name of an Adjustor and damage inspector. Neither ever came to the home at any time. A third party damage inspector with little or no experience underestimated roof repairs by $3,000. They paid the tree removal company an obscene amount of money --- $6,900 for one tree. I had the roof, etc, repaired at my cost and have received no 'depreciation' payments. AARP should be ashamed endorsing this company.
AARP/Hartford Homeowners Insurance Company Information
- Company Name:
- AARP/Hartford Home Insurance
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