Home Dwelling

Dwelling: Your Most Valuable Asset

There are many components to your home insurance and it all starts with the dwelling. This includes your home itself, any structure attached to it, such as a garage or patio, any functional built-in appliances, and the plumbing and electrical systems.

Determining Your Dwelling Coverage Limit

When it comes to insuring your home, The Hartford recommends that you insure it for 100% of its replacement cost. This anticipates rebuilding with today’s construction costs. We have a tool that will help you calculate your replacement cost.
One of the benefits of having 100% replacement cost coverage is that if you suffer a complete loss, your home will be eligible for additional coverage on top of what it’s already insured for. This means that you’re guaranteed to be covered for the current costs of materials and labor.
Keep in mind that the replacement cost of your home is not the same amount as the market value or the selling price of your home. Learn more with the infographic below.
Insurance Coverage availability varies by state.


What Losses Am I Covered For?

Covered losses are listed in your policy as perils. Damage from fire, lightning, smoke and a host of others are covered. However, flood damage is not covered and requires a separate flood policy.
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 Auto Insurance Program is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten 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. In CA, it is underwritten by Property and Casualty Insurance Company of Hartford; in WA, MI, MN, by Trumbull Insurance Company; in MA by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, 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. Auto and Home are currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by Southern 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 Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.