AARP Homeowners Insurance Program From The Hartford

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Choose the AARP Homeowners Insurance Program From The Hartford

The AARP® Homeowners Insurance Program from The Hartford can be customized to help protect the investment you’ve made in your home – all at a price that fits your budget.1 Your AARP membership gives you access to savings and credits that can help lower your rates on a homeowners insurance quote. You can save even more by having both your homeowners insurance and auto insurance with us. In fact, you’ll save up 20% on your home, condo or renters insurance when you bundle.
homeowners insurance customer service award

Award-Winning Customer Service

We pride ourselves on the way we serve at The Hartford. Home insurance should be dependable and give homeowners peace of mind knowing what they’ve worked hard for is protected. That’s what we strive to give our customers, and we’re proud to be named one of “America’s Best Customer Service Companies” by Newsweek.
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What Does Homeowners Insurance Cover?

The Hartford offers home insurance coverages for your house and personal property.

Property Damage

Most home insurance companies offer policies to help protect your home and the structures directly attached to it. This protection, called dwelling coverage also helps cover the internal systems within the home, like:
  • Wiring
  • Plumbing
  • Heating
  • Air conditioning

Other Structures

Homeowners insurance protects structures that are not directly attached to your home. For example, if your detached garage is damaged, other structures coverage can help with the repair costs.

Personal Property

Personal property coverage covers losses of your personal belongings, like furniture, clothing and appliances. You can purchase additional valuable items blanket coverage for your expensive items including jewelry, artwork or collectibles.

Temporary Living Expenses

Loss of Use Coverage helps pay for your living expenses, up to your policy limits, if your home is unlivable after suffering a loss. If your house has significant fire damage, this type of homeowners insurance covers your stay in a hotel while the repairs are being done.

Personal Liability

If someone who is not a resident of your household suffers an injury or property damage for which you are legally responsible, personal liability protection can help cover your legal defense costs and any court judgments against you, up to your policy limits.

Medical Payments

Medical payments coverage helps pay emergency medical bills if someone who isn’t a resident of your household is injured on your property. Insurance also covers injuries caused by a member of your family or pet, regardless of where it happens. Bills are paid, up to policy limits, whether you’re legally responsible or not.2

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Homeowners Insurance in My State

Select a state using the map or dropdown menu or browse all states home insurance coverages. Note: Coverage is not available in all states.

Ways to Save on Homeowners Insurance

The Hartford believes in rewarding our customers. That’s why we offer homeowners insurance discounts and savings. See how you can start saving on your home insurance today.

Home Security and Safety Device Savings

Save on your home insurance by upgrading your home security with the combination of a burglar alarm and sprinkler system.

Retiree Credit for Retired AARP Homeowners

If you and your spouse are retired or work less than 24 hours a week, you’re eligible for a credit on your home insurance premium.3 (Availability varies by state.)

Renewal Credit

If you renew your homeowners policy with us for four years, we’ll give you a discount. (Availability varies by state.)
AARP® Homeowners Insurance Claim

Easy Claims When Losses Happen

Making a homeowners insurance claim shouldn’t be painful. Our specialists are the most dedicated and caring in the industry. Take a look at our home insurance customer reviews to see for yourself. Best of all, our specialists are available 24/7 to answer any questions and walk you through our simple homeowners claims process.
As part of the claim process, you may have the opportunity to take and share photos of property damage from the ground level when safe to do so. Video and virtual walk-throughs may also be available. Your adjuster will advise you of what is needed to complete your claim.
File a Home Claim

How Hartford Homeowners Insurance Protects You

Homeowners insurance helps offer financial protection to your home and everything inside of it when they are damaged. It also helps provide liability coverage if someone is injured on or off your property.
For example, homeowners insurance will help cover the costs if:
  • Your roof is crushed by a falling tree in a hurricane or tornado and needs to be repaired
  • A guest slips and gets injured on a loose brick in your walkway and needs medical attention
  • Vandals throw rocks through a window of your house and you need it replaced
However, not all homeowners insurance policies are the same. The Hartford is the only home insurance company endorsed by AARP.
With our flexible coverage options, savings and expert service, you’ll know that you’re getting AARP house insurance that protects your home when you need it most.
Get a home insurance quote today and start saving your money and securing your home with The Hartford.
home insurance coverages explained

AARP Home Insurance 101

Learn more about the AARP Home Insurance Program from The Hartford in this video.
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.
Last Updated: March 16, 2022
Tied in 2022. For J.D. Power 2022 award information, visit
Newsweek Best Customer Service Recognition, Services-Homeowners Insurance Category:
Availability of credits or savings may vary by state or policy plan.
2 Medical payments are calculated on the basis of usual, customary and reasonable charges.
3 The Retiree Credit does not apply to secondary residences.
** Automobile/Homeowners discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance Programs from The Hartford.
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 Automobile 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 by Hartford Insurance Company of the Southeast; in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners 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 by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, MI and MN, 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 Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some 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 GEICO Texas County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by GEICO Texas County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company. Effective 10/16/21, the Auto Program is underwritten by Trumbull Insurance Company.

* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.