Your home is much more than walls and a roof.  It’s one of your most important financial assets.  That’s why the benefits of the AARP Homeowners Insurance Program from The Hartford are designed to offer you maximum protection for your money.

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• 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 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 deductible will be waived if you experience a qualifying loss of $20,000 or more.
  
  
• Lifetime Renewability:  No need to worry about losing your insurance.  Once you become a policyholder, your coverage can never be canceled as long as you meet a few simple requirements such as paying your premium when due.*
  
  
• 24/7 Claim Hotline:  Our claim professionals are available any time of the day or night, ready to assist you with claim service that is backed by a special Claim Satisfaction Guarantee.

Options to Customize Your Protection

 Although a basic AARP Homeowners Insurance plan already provides protection for valuable items such as jewelry, silverware and even your credit cards, you may have a need for expanded coverages.  You’ll find the AARP Homeowners Insurance Program from The Hartford offers you several options for protection of your valuables and special possessions.  

Special Protection Packages:  As an easy 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.  Your homeowners insurance professional can give you more information and help you decide if a package is right for you.

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

Depending on your state, several additional benefits and coverages may be available, such as identity theft coverage, coverage for golf carts, and more.  Call our homeowners insurance professionals who can help you evaluate your current coverages and provide you with a quote for homeowners protection that is customized for your needs.

*  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, and cannot have knowingly increased your home’s hazard level.