AARP Home Insurance Review 2023: You Need It?
AARP Home Insurance
2023 AARP Home Insurance Review coverage Since the 1980s, it has provided AARP house insurance.
The Hartford Insurance Company doesn’t need an AARP membership. Independent agents cover non-members.
The Hartford is an 1810 insurance brand.
Homeowners insurance ratings
Our star ratings are based on NAIC consumer complaint statistics, AM Best financial strength rankings, coverage and discounts, and overall customer experience. See our home insurance ratings.
The Hartford/AARP home insurance star rating
The Hartford provides AARP-designed homeowner coverage. Since the 1980s, it has provided AARP house insurance.
The Hartford Insurance Company doesn’t need an AARP membership. Independent agents cover non-members.
The Hartford is an 1810 insurance brand.
Homeowners insurance ratings
Our star ratings are based on NAIC consumer complaint statistics, AM Best financial strength rankings, coverage and discounts, and overall customer experience. See our home insurance ratings.
State availability
The Hartford provides AARP homeowners insurance in DC and all states except Florida. Independent agents may obtain non-member Hartford house insurance in most states.
The Hartford/AARP home insurance coverage
You may add many things to your homeowners insurance, but these are the basics:
pays for house repairs or rebuilding. covers sheds and fences. It pays to repair or replace furniture and clothes. covers hotel stays, restaurant meals, and other costs if you have to live somewhere else while covered repairs are done. It covers legal fees and damages if you harm others or their property. covers visitors’ injuries regardless of culpability. |
The Hartford provides basic and package home insurance. Coverage choices include:
- Coverage Limits. If you need to rebuild your house, it pays up to 125% of your coverage limits (or 150% in certain places).
- Zero-deductible ProtectorPlus. Waives your deductible up to $5,000 for claims above $27,500.
- New-old protection. Pays to replace old belongings, regardless of age or condition (often known as contents replacement cost coverage).
- Rekeying. Replaces locks if a key is lost or stolen (minus deductible).
- Injury insurance. Standard liability coverage doesn’t cover libel or slander damages.
- Identity protection. Pays out-of-pocket fraud or identity theft costs. Identity theft insurance information.
- Depreciating property. Reduces deductible after 3 years claim-free.
- Greenbuilding. Increases policy limits by up to 10% to pay for eco-friendly home repairs.
- Breakdown protection. Repair or replace appliances and devices that fail for reasons other than regular wear and tear.
- Coverage plus replacement. Helps pay for modifications like multi-level countertops or single-lever faucets following a covered claim.
- Sump pump overflow and backup. Reimburses water damage from a clogged drain or failing sump pump.
- Property scheduled. Extra coverage for goods like an expensive ring not covered by a basic insurance.
- Protecting valuables. Increases jewellery and silverware payouts to $10,000 per piece if stolen, lost, or destroyed.
- Law coverage. After a covered claim, your house is brought up to code.
discounts
You may earn a discount by:
- Auto and house insurance bundles.
- Home security.
- Installing sprinklers and monitoring fire alarms.
- New home or roof.
- not duplicate
- Less than 24 hours/week.
- Gated community.
- No mortgage.
- Windproofing your house.
- New homeowner.
Consumer complaints
The National Association of Insurance Commissioners’ statistics show that The Hartford had more home insurance complaints than anticipated given its size.
Consumer experience
Website: The Hartford’s website includes coverage information, online rates, and a bill-paying link. You may submit and monitor claims online.
app: Bill payments and claim monitoring are available on The Hartford’s mobile app. Bugs make the app difficult to use for Android users. iPhone users like the app more.
Claims: The Hartford’s website allows homeowners to file insurance claims. Members can call 877-805-9918; non-members can call 800-243-5860. How to submit a house insurance claim
Customer service: AARP homeowners policyholders can call 800-423-0567 Monday through Saturday. Non-members may call 800-624-5571 Monday through Saturday.
Where The Hartford/AARP stands out
Seniors’ perks. The Hartford offers retiree and AARP discounts. “Replacement Plus” coverage might help folks with restricted mobility move about their kitchen or bathroom following a claim.
Optional coverage. The Hartford allows you to waive your deductible for substantial claims.
Where The Hartford/AARP falls short
Complaints. Customer complaints are The Hartford’s greatest weakness.
Android app glitches The Hartford’s Android app may not be the best method to handle your insurance, according to customer evaluations. iOS app performs better.
Is The Hartford/AARP home insurance right for you?
AARP’s home insurance is worth considering, whether you’re a member or contemplating joining. To receive The Hartford’s insurance, you don’t need an AARP membership; contact a local independent agent.
Other home insurance companies to consider
Undecided? Other house insurance companies:
farmers: Three-tiered homeowners insurance.
Nationwide: Policies with several coverage choices.
Safeco: Solid Customizable homeowners insurance.
Frequently asked questions
What other types of insurance does The Hartford offer?
The Hartford provides vehicle, renters, condo, and umbrella insurance via AARP. Hartford provides business insurance. The FM reviews Hartford insurance.
Does AARP insure mobile homes?
AARP insures mobile homes through Foremost. Mobile home insurance information
Are The Hartford and AARP the same?
The Hartford provides AARP-branded car, house, and other insurance. Independent agents offer Hartford plans to non-AARP members.