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Homeowners Insurance You Can Count On

The AARP Home Insurance Program from The Hartford

Choosing the right provider for your Homeowners insurance, Renters insurance or Condo insurance is an important decision. With The Hartford, you’ll get the peace of mind that comes with knowing you’ve got the right coverage for your needs at a great rate.

Compare these features and benefits to see how the AARP Homeowners Insurance Program from The Hartford measures up to your existing home insurance policy or other insurance carriers' coverage options.

Availability of features and benefits may vary by state.

100% Protection Plan

When you choose this benefit and insure your home for 100% of its replacement cost, you're assured that if something happens to your home, we'll pay the full cost to rebuild it, even if it costs up to 150% of the applicable limits of your homeowners insurance policy.

"New For Old" Protection of Your Possessions

We'll pay the actual cost to replace your possessions – regardless of age or condition – with brand new items of equal quality.

ProtectorPLUS Homeowners Deductible Forgiveness

Up to $5,000 of your homeowners insurance deductible will be waived if you experience a qualifying loss of $20,000 or more.

Lifetime Renewability

No need to worry about losing your home insurance. Once you become a policyholder, your homeowners insurance coverage can never be canceled as long as you meet a few simple requirements such as paying your premium when due.^†

24/7 Hassle-Free Claim Service

Our claim professionals are available any time of the day or night, ready to help you through the claims process and get your life back on track. Learn more about our Home Claims Services.

Options to Customize Your Homeowners Insurance Protection

Extension of Coverage Packages

As an easy and convenient way to add protection, we offer packages that bundle some of the most requested coverages for valuables. These packages offer increased coverage for jewelry, silverware, credit cards and personal liability. They also offer additional coverages such as lock replacement and loss of perishable food. Available packages may vary by state. We can help you decide if a package is right for you.

Scheduled Personal Property

For homeowners who need more than $5,000 of protection for special valuables such as jewelry, antiques, furs or fine art, our Scheduled Personal Property coverage allows you to list items and their value, for more customized protection. (Appraisals may be required.)

^† If you are age 50 or older, once you’re insured through this Program for at least 60 days, you cannot be refused renewal as long as applicable premiums are paid when due. Also, you must continue to insure your home for at least 80% of your home’s rebuilding value, must not have obtained your policy through material misrepresentation, and cannot have knowingly increased your home’s hazard level.