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Renters Insurance

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Save on Home Renters Insurance

Home renters insurance covers you and your personal items in the event of a loss. Your landlord typically is not responsible for your personal belongings if something happens to your living space, such as theft, fire or other damage. But home renters insurance is designed to protect your belongings from such events.

Renters Insurance Benefits

Renters insurance from the AARP® Homeowners Insurance Program from The Hartford comes with exceptional features and benefits that make a real difference in the way you're protected.

Not all features and benefits are available in all states.

"New For Old" Protection of Your Possessions

If anything happens to your rental, The Hartford wants to give you a fresh start. With our renters insurance, we'll pay the actual cost of replacing your possessions—regardless of age or condition—with new items of equal quality.

Optional Endorsements Available

In our endorsement portfolio, we also offer numerous optional endorsements such as:

  • Replacement Cost Contents Coverage
  • Green Rebuilding
  • Equipment Protection Advantage
  • Valuable Items "Blanket" Coverage
  • Assisted Living Care Coverage
  • Water Backup and Sump Pump Overflow
  • Personal Injury Liability Coverage—for potential damage for libel or slander.
  • Increased ID Fraud Expense Coverage—up to $50,000

*Certain coverages, features, and credits vary by state and may not be available to all insureds.

Scheduled Personal Property

For renters who need more than $10,000 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.)

Be Flood Smart!

Most renters insurance policies don't cover flood damage to your contents (personal property). The good news is that flood insurance is available from The Hartford through the federally-backed National Flood Insurance Program (NFIP). Click here to learn more about flood insurance and to request a quote.

Affordable Renters Insurance

You may qualify for a variety of credits and discounts that could let you save even more when you get a renters insurance quote. Below are some of the ways you could save on your apartment insurance.

Availability of credits or discounts may vary by state or policy plan.

Apartment Insurance / Car Insurance Bundle

Get your apartment insurance in the same place as your auto insurance and save. When you insure both your rental and your vehicle through the AARP® Auto & Home Insurance Program from The Hartford, you'll receive a discount of up to 20% on your renters insurance cost and up to 10% on your auto insurance.

24-Hour Security Service Credit

If your apartment or rental unit features a 24-hour security service, you could receive a credit on your home renters insurance.

Retiree Credit

If both you and your spouse are retired or work less than 24 hours a week, you are eligible for a discount on your apartment insurance. (The Retiree Credit does not apply to secondary residences.)

Renewal Credit

Continue to renew your affordable home renters insurance policy with the AARP Homeowners Insurance Program from The Hartford and watch your savings grow.

Home Renters Insurance Coverage

The Hartford's renters insurance coverage is designed to make sure renters like you are prepared and protected in case of unexpected events such as fire, theft, or other damage occurring in your home. The rental insurance coverage definitions below should help you understand the options available in your home renter insurance quote.

Not all coverages are available in all states.

Personal Property Coverage

Personal property renters insurance coverage protects your personal belongings, such as furniture, clothing, and appliances, in the event of a loss. If you own particularly valuable items, you can choose to purchase additional personal property coverage to provide enhanced protection.

Loss of Use Coverage

This rental insurance coverage is available when you cannot live in your rental unit due to a covered loss. Loss of use coverage pays reasonable and customary living expenses up to the limit provided in your renters insurance policy.

Liability Coverage

Liability rental insurance coverage protects you in two ways. First, it provides for your legal defense against a liability claim (lawsuit). Second, it will pay any court judgments for covered losses against you, up to the policy limit.

Medical Payments Coverage

This rental insurance coverage pays emergency medical bills for anyone injured on your property, or any injury caused by a member of your family or a pet, regardless of where it happens. All bills are paid, up to your renters insurance policy limit, whether or not you're legally responsible.

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