AARP Home Insurance Quotes From The Hartford

The Hartford offers the only home insurance endorsed by AARP, complete with customizable coverage options and exclusive benefits that help protect your home, belongings and guests without breaking the bank.
Author:
Lily DiGregorio
Lily DiGregorio,Staff copywriter
Lily DiGregorio
Staff copywriter specializing in auto and home insurance for The Hartford.
Updated: 05/14/2026
Read Time: 7 minutes
couple happy to get an aarp home insurance quote
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Key Takeaways

  • You can get an affordable AARP home insurance quote quickly from The Hartford, either online or by speaking to a representative. Simply input basic details about your home and yourself and we’ll handle the rest.
  • Getting your AARP member quote is hassle-free and helps you compare coverage options and available discounts, such as bundling auto and home.
  • You can also request quotes for other property types, like renters, condo or manufactured home insurance, as well as tailor coverage options to meet your specific needs.
home insurance coverages explained

AARP Homeowners Insurance Quotes for Affordable Coverage

Homeowners insurance is essential for protecting your home and its contents if they are damaged by a covered loss, like a fire or theft. It also helps provide liability coverage if someone gets injured on your property.
With AARP® Home Insurance from The Hartford,1 we make it easy to find great home insurance coverage at an affordable price. Call The Hartford at 877-422-2345 or get your customized quote online today.
 

Who Is Eligible for AARP Home Insurance?

To be eligible for AARP Home Insurance from The Hartford, you need to be at least 50 years old and an AARP member. Not a member? We’ll help you sign up when you purchase a policy. In most states, you can quote without a membership to help compare coverages and prices before committing.
 

What Does Homeowners Insurance Typically Cost?

According to the latest data, the average cost of homeowners insurance is $2,424 per year or about $202 monthly.2 But keep in mind that rates are complex and based on many unique factors, like your location, coverage amounts and claims history.
The Hartford offers several home insurance discounts you can stack to help you save on insurance costs, including bundling auto and home insurance to save nearly $1,000.**
 

Getting a Home Insurance Quote

In just a few minutes, you can get a customized homeowners insurance quote that best protects your property.
 

Get an AARP Homeowners Insurance Quote From The Hartford in 3 Easy Steps:

  1. Start a quote online or by calling The Hartford at 877-422-2345 
  2. Provide basic details about you and your property, like your birth date and address
  3. Receive and review your homeowners insurance policy quote
You can easily save your quote to review later. And if you have any questions during the quoting process, we’re here to help answer them.
couple enjoys their home after getting an aarp homeowners insurance quote

What Information Do I Need To Get a Homeowners Insurance Quote?

To get a quote, you’ll need to have a few pieces of information ready, such as:
 
  • Your home address
  • Whether you rent or own your home
  • How many people live there with you
  • Current insurance provider
  • Any recent home improvements you’ve made

How To Compare Homeowners Insurance Quotes

When comparing homeowners insurance quotes from different companies, you should look beyond monthly premiums. The cheapest quote isn’t always the best value. Key factors to compare include:
 
  • Deductibles: Be sure your deductibles will work with your budget.
  • Replacement cost versus actual cash value: Are your belongings covered at today’s value if bought new or with depreciation factored in?
  • Types of coverage: Ensure your policy has the protection you need to enjoy peace of mind at home.
  • Policy limits: Understanding your limits helps ensure you know exactly what is and isn’t covered.
  • Customer service and claims reputation: You want a company that’ll be there when you need them most. At The Hartford, we’re proud of our award-winning representatives who often receive high reviews.
Understanding your coverages is key to ensuring you have the protection you’re looking for at the right amount.
 
Be sure to consider these three coverages:
 
  1. Dwelling insurance coverage: Helps pay the replacement cost to rebuild your home and its attached structures if they’re damaged by a covered loss like fire, lightning or smoke.
  2. Personal property coverage: Helps safeguard your personal belongings against damage from a covered loss. With this insurance, your furniture, clothing and appliances are all covered.
  3. Other structures coverage: Helps cover losses if detached structures on your property are damaged, like a fence.

AARP Member Home Insurance Discounts, Savings and Benefits

The Hartford rewards AARP members with home insurance discounts and exclusive benefits to help you save on home insurance while protecting your assets.
 

Home Insurance Discounts and Ways To Save

AARP Home Insurance from The Hartford offers a variety of homeowners insurance discounts, 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.**
  • 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.
Another way to save? Being safe. Remaining claims free can help keep home insurance costs down.
 
 

AARP Homeowners Insurance Benefits

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‡‡

“New for Old” Protection‡‡ helps replace your destroyed belongings with new ones of the same quality.

Reimbursement for Replacing Locks

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

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‡‡

Disappearing Property Deductible‡‡ reduces your deductible every year when you go three consecutive years without having an insurance loss.

Equipment Breakdown Coverage

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

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.
 

AARP Car Insurance Benefits

If you bundle with the AARP Auto and Home Insurance Program from The Hartford, you’ll unlock car insurance benefits such as:
 
  • New Car Replacement Coverage: If you total your new car, we’ll pay to replace it with a new car of the same make and model without subtracting anything for depreciation.§§
  • RecoverCare§ Coverage: This benefit helps pay for home services, like house cleaning, if you’re injured in an accident and can’t do them yourself.
  • Lifetime Car Repair Assurance: Get access to our 1,600 authorized repair shops. If you use one of our recommendations, we’ll guarantee the workmanship on all repairs.
  • Disappearing Deductible: This optional benefit reduces your collision deductible on your auto policy over time as long as you’re a safe driver and maintain a clean driving record.‡
  • Rental Car Reimbursement Coverage: Also called transportation expense coverage, this benefit helps pay for a rental car while your vehicle is in the shop after an accident.
  • Accident Forgiveness: This benefit excuses your first accident if you need to file a car insurance claim, as long as all drivers on your policy have a clean driving record and are accident-free for five straight years with The Hartford.‡

AARP Home Insurance Quotes for Additional Property Types From The Hartford

No matter what type of home you live in, having the right coverage for your property is essential. The Hartford offers these policies beyond homeowners insurance:
 
customer pleased to get a homeowners insurance quote from AARP and The Hartford

Get a Home Insurance Quote Instantly

Every home is unique. That’s why The Hartford is happy to help tailor an AARP homeowners insurance quote that’s right for you. Start protecting your investment at a price that fits your budget by getting a quote online or calling The Hartford at 877-422-2345 today.

Frequently Asked Questions About Homeowners Insurance Quotes

While the cost of homeowners insurance depends on many factors personal to you, AARP Home Insurance from The Hartford offers discounts and exclusive benefits to help keep your costs down, including savings of nearly $1,000 by bundling auto and home insurance.**
For over 40 years, The Hartford has proudly offered the only home insurance endorsed by AARP.
With exclusive AARP member benefits, customizable coverage options and customer service representatives who specialize in the 50 and older market, The Hartford’s home insurance is specifically designed with seniors in mind.
If you have already completed the quote process and have received a homeowners insurance estimate, you can retrieve your saved quote online or via email. If you have any difficulty or run into issues retrieving your quote, please call The Hartford at 877-422-2345.
The Hartford values the safety and security of our customers’ personal information. Our site is VeriSign certified, and we take additional measures to ensure your home insurance quote information is kept secure. Learn more about our privacy policy and how we secure your personal information.
You do not need to be an AARP member to get a homeowners insurance quote with AARP Home Insurance from The Hartford. But to purchase a policy, AARP membership is required. We’ll help you sign up if you’re not already a member.
AARP is not an insurance company. Rather, The Hartford has proudly offered the only home insurance endorsed by AARP since 1984.
Once you purchase your homeowners insurance policy, The Hartford will send you a copy of your homeowners insurance declaration page that details your coverages, premium, deductibles, discounts and more.
Your home is a big investment. Having good homeowners insurance can give you peace of mind knowing it’s protected. In some cases, home insurance may also be required by those who have a financial interest in your home, like mortgage lenders.
In general, most homeowners insurance policies cover your home and belongings if they’re damaged in situations like:
 
  • Fire
  • Wind
  • Theft or vandalism
However, the best way to know what homeowners insurance coverage you have is to review your policy.
There are some events that standard homeowners policies do not cover, including:
 
  • Earthquakes
  • Flooding (needs to be covered separately by flood insurance)
  • Damage caused by general wear and tear

Related Articles

 
 
2 Bankrate, “Average homeowners insurance cost in March 2026,” viewed March 2026.
** 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.
AARP® Homeowners Insurance
Quick Links
FAQs
Coverages
Additional Resources
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
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 from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. The Hartford does not write new Home business in all areas, including the states of CA and FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.