When you bundle your home and auto insurance with The Hartford, you can save nearly $1,000.** You can stack home insurance savings with extra discounts if you have certain safety features in your home.
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Key Takeaways
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The Hartford offers exclusive benefits and savings just for AARP members.
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You can get a discount when you bundle your auto and home policies or install burglar alarms or fire protection devices, to name a few.
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How much you pay for home insurance depends on personal factors. The Hartford’s representatives are happy to help make sure you get the coverage you need at a price that fits your budget.
AARP Member Savings and Insurance Discounts for Homeowners
The best homeowners insurance is one that provides total peace of mind knowing your most valuable asset (your home) is protected – without breaking the bank. But home insurance rates are complex, and there is no one-size-fits-all policy.
What you might pay for homeowners insurance is likely different than what your neighbor pays. For example, if you own a newer home that costs more to repair if an accident occurs, you may end up paying more for coverage.
If you’re looking to save money by taking advantage of insurance discounts for homeowners, you’ve come to the right place. At The Hartford, we offer savings just for AARP members.
In addition to offering homeowners insurance discounts, we deliver exceptional customer service and support you can depend on. The Hartford is here to answer any questions you have at 877-422-2345.
Home Insurance Discounts From The Hartford
AARP® Home Insurance from The Hartford1 offers several home insurance discounts to help you save on insurance costs, including:
Auto and Home Bundle
Get our AARP member car and home insurance bundle, and save up to 12% on auto insurance and 20% on home, condo or renters insurance. That’s nearly $1,000 in savings.**
Fire Protection
If you install devices like fire sprinkler systems or monitored alarms, you could get a home insurance discount.
Home Security System
Simple changes like adding burglar alarms or security systems can get you home insurance discounts.
Can you get a discount on homeowners insurance? Get a homeowners insurance quote online to see what savings you’re eligible for.
Other Ways To Save on Homeowners Insurance
There are more ways to save with The Hartford, beyond taking advantage of discounts for home insurance. With AARP Home Insurance from The Hartford, you can extend your protection and customize your policy to help save on out-of-pocket expenses if you have a claim. These additional coverages include:
“New for Old” Protection‡‡ helps replace your destroyed belongings with new ones of the same quality.
Reimbursement for replacing locks, which pays up to $500 to replace locks, with a $100 deductible, if your keys get lost or stolen.
Identity fraud expense coverage reimburses you for out-of-pocket expenses up to certain limits to help you recover after fraud or identity theft. See your policy for specific limits.
Disappearing Property Deductible‡‡ reduces your deductible every year when you go three consecutive years without having an insurance loss.
Equipment breakdown coverage helps cover your repair or replacement costs if your appliances or electronics have a mechanical or electrical breakdown. It also provides coverage if you want to make “green” upgrades.
Valuable items blanket provides additional protection on certain valuables. For instance, if your insured jewelry gets stolen, this coverage can help pay to replace it.
At The Hartford, we’re an insurance company that enjoys helping our customers save. Unsure which home insurance discounts to ask for? Call us at 877-422-2345 or get a homeowners insurance quote online to learn more about available discounts and benefits.
AARP Home Insurance 101
Learn more about AARP Home Insurance from The Hartford in this video.
Frequently Asked Questions About Homeowners Insurance Discounts
Does The Hartford Offer a Multiple Policy Discount?
Yes. If you bundle your auto and home insurance with The Hartford, you can save up to 12% on auto insurance and 20% on home, condo or renters insurance. In minutes, you can save nearly $1,000 just for having multiple insurance policies with The Hartford.** To quickly and easily claim your discount, get a bundled insurance quote online or call 877-422-2345.
What Is the Average Home Insurance Savings for Bundling Policies?
The Hartford’s customers who bundle their auto and home insurance policies save an average of $813.**
Are There Senior Discounts for Homeowners Insurance?
For over 40 years, The Hartford has offered affordable home insurance for seniors through AARP Home Insurance from The Hartford, which is the only home insurance endorsed by AARP. Since you need to be an AARP member to get a policy with The Hartford, we can provide discounts and exclusive benefits just for AARP members. This includes savings of nearly $1,000** when you bundle your home and car insurance. Not an AARP member? We’ll help you join.
Can I Get a Homeowners Insurance Discount for a Smoke Alarm?
Yes. If you install fire protection devices, like sprinkler systems or monitored alarms, you could get a protective device discount applied to your home insurance from The Hartford.
Can I Negotiate My Home Insurance?
In general, you can’t negotiate home insurance premiums, but you can potentially lower premiums by taking advantage of discounts for homeowners insurance.
Does The Hartford Offer a Homeowners Discount for Automatic Payments?
To learn more about savings and discounts available to you, call The Hartford at 877-422-2345.
Are There Insurance Discounts for Homeowners Who Don’t Smoke?
The Hartford doesn’t offer specific savings for non-smokers. But, if you practice fire safety at home, such as installing sprinkler systems or monitored alarms, you can get a discount on your policy.
Does Homeowners Insurance Go Down When My Mortgage Is Paid Off?
Typically, homeowners insurance rates don’t change after a mortgage is paid off.
How Can I Qualify for a Loyalty Discount?
At The Hartford, we like to reward our customers. That’s why, the longer you've been a claim-free policyholder, the more you can save on your home insurance costs. Availability varies by state.
What Are the Best Insurance Discounts for Homeowners?
You can save nearly $1,000, or up to 12% on your auto insurance and up to 20% on your home, condo or renters insurance, when you bundle with AARP Auto and Home Insurance from The Hartford.** Other ways to qualify for discount home insurance include installing safety features, like fire sprinkler systems or burglar alarms.
** Average annual savings are based on information reported by customers who switched to The Hartford’s newest rate plan between 9/1/24 and 8/31/25. Average auto insurance savings $597 and average home insurance savings $366. Your savings may vary. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
§§ Terms and conditions apply.
‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
‡‡ Terms and conditions apply. Availability varies by state.
‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).
Additional disclosures below.