Renters Insurance

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Get a renters insurance quote from The Hartford to protect your personal belongings.
 
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The right condo insurance. The right price. Made simple with the AARP® Homeowners Insurance Program from The Hartford.
 
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Discover savings and benefits with the AARP® Homeowners Insurance Program from The Hartford.
 
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Age 50+? Discover great savings and benefits with the AARP® Auto Insurance Program from The Hartford.
 
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Age 50+? Discover great savings and benefits with the AARP® Auto Insurance Program from The Hartford.
 
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Get a Renters Insurance Quote

With the AARP® Homeowners Insurance Program from The Hartford, home and apartment renters get exceptional protection and value. To learn more, get a quote today. 
 

Why Do I Need Renters Insurance?

While your landlord may insure the structure of your rental apartment or home, it’s up to you as the renter to protect its interior, your personal belongings and assets against a possible loss, such as theft, fire or other damage.    
 

Can I Tailor Features to Fit My Needs and Budget?

Yes. You can customize coverage from The Hartford to protect your possessions and lifestyle at a cost that fits your budget. Select the renters insurance options and benefits that are right for you and take advantage of renters insurance savings and credits to lower your rates. Save even more through our AARP program and by bundling your renters and auto coverage with The Hartford.
 
Not all features and benefits are available in all states.
 

Does Renters Insurance Cover the Cost of Replacing My Possessions?

Yes. If anything happens to your rental, The Hartford wants to give you a fresh start. With our “New for Old” protection, we’ll pay the actual cost of replacing your possessions – regardless of their age or condition – with new items of equal quality.
 

Insurance Illustrated – Renters Insurance

Learn about Renters Insurance from The Hartford.

The Hartford Center for Mature Market Excellence

Learn more from our experts about being safe on the road and at home.
 

What Does a Renters Insurance Policy Cover?

What people keep in their rental homes and apartments is as individual as the people who live in them. With the AARP® Homeowners Insurance Program from The Hartford, home and apartment renters can choose from a range of popular coverages. We can help you select the right ones to protect what you value.
 
Personal Property Insurance – If a kitchen fire in a neighboring apartment causes smoke and water damage in your apartment, our personal property coverage could help cover damaged personal belongings such as furniture, clothing and appliances. 
 
Special Personal Property Coverage – Covers the contents of your rental property against most risks – whether the loss occurs on the property or away. 
 
Loss of Use – Helps pay your living expenses up to policy limits if you cannot live in your rental property due to a covered loss. For example, if something such as heavy snow causes the roof of your apartment building to collapse and you need to find temporary housing elsewhere, this policy can help cover the expenses.
 
Liability – Helps cover expenses associated with your legal defense in a liability claim. It also helps cover any court judgments against you for covered losses up to policy limits.
 
Medical Payments – If someone is injured in your rental property, this coverage helps pay their medical bills. It also covers any injury caused by a member of your family or a pet regardless of where it happens. These bills are paid, within limits, whether you're legally responsible or not.
 

Additional Protection for Your Possessions and Your Pocket

“New for Old” Protection – If anything happens to your rental property, we’ll pay the actual cost of replacing your possessions – regardless of age or condition – with new items of equal quality.
 
ProtectorPLUS Zero Deductible Benefit – This coverage waives up to $5,000 of your rental insurance deductible if you experience a qualifying loss of $27,500 or more.*
 
This coverage does not apply to special deductibles such as hurricane, earthquake, coalmine subsidence, special wind/hail or optional special theft deductibles.
 
Personal Injury Liability Coverage – Helps cover you from damages that arise out of libelous or slanderous accusations and charges.2
 

Popular Coverage Options to Meet a Tenant’s Unique Needs

Equipment Breakdown Coverage – If an appliance, system or piece of electronic equipment in your rental breaks down for mechanical reason, this coverage helps pay the cost of repairing or replacing it.
 
Valuable Items “Blanket” Coverage – Removes the hassle of scheduling an appraisal for the valuation of unique items such as home theater equipment, artwork and expensive dinnerware while offering great coverage.3
 
Identity Fraud Expense Coverage – If you’re a victim of identity theft or fraud, this coverage reimburses you up to $25,000 in out-of-pocket costs that were needed to restore your identity. This includes lost income and legal fees.4
 
Water Backup and Sump Pump Overflow – If your rented property is damaged by water back-up or sump pump overflow, this insurance will help cover the damage costs.5
 
Does not provide coverage for water damage caused by direct or indirect flooding. Also does not provide coverage for water backup of sewers or drain, or overflow or discharge of a sump pump if it’s caused by flooding.
 
Assisted Living Care Coverage – Extends your Liability, Contents and Additional Living Expenses Coverage if your assisted living space is damaged and you are displaced due to a covered accident.6
 
Scheduled Personal Property – This insurance provides 100% protection for unique items that need a separate coverage to insure their full value.
 
The Hartford ID Hotline, Identity Restoration Services – Have questions or concerns about identity theft, fraud or the safety of your personal information? When you’re insured by The Hartford, you get free and unlimited access to The Hartford ID hotline and Identity Theft 911’s Resolution Center.
 
Here, you can receive personal, one-on-one attention from qualified fraud specialists. Identity Theft 911’s Fraud Specialists will help you take the steps needed to prevent you from becoming a victim of identity theft. Should you become a victim of identity theft, they will talk you through every step of the recovery process.
 
 
Not all features and benefits are available in all states. Conditions and exclusions apply.
 
* This benefit will completely eliminate your homeowners insurance deductible (up to $5,000), if you have a qualifying claim of $27,500 or more.
 
2 This coverage offers your clients protection against potential damage for libel or slander.
 
3 An easy, convenient way to add a higher level of protection for valuable items such as jewelry, silverware, fine art, musical instruments, cameras, and more – without the added paperwork of scheduling or appraisals.
 
4 This coverage will reimburse you for out-of-pocket expenses related to identity theft or fraud such as: (1) lost income due to time away from a job to work with credit agencies, or (2) legal expenses needed to remove criminal or civil judgments caused by fraud. ID fraud is a scary fact of life in today’s tech-driven world. But The Hartford’s ID Fraud Expense coverage can help to reduce the financial impact of these crimes. Our coverage will reimburse you for up to $25,000 in out-of-pocket expenses related to identity theft or fraud. This also includes protection against lost income, with a total limit of $7,500 and a limit of $300 per day. You can use lost income coverage as reimbursement for time away from a job to work with credit agencies, or for legal expenses needed to remove criminal or civil judgments caused by fraud.
 
5 For an additional cost, you can get property protection for water backup or sump overflow – that is not caused by flood or surface water. Our basic coverage amount is $5,000 and other amounts may also be available. Your independent agent can provide further state-specific information about this coverage.
 
6 Your homeowners policy can help to protect a family member who lives in an assisted care facility. With our optional Assisted Living Care, you can provide Personal Property and Personal Liability coverage for a relative in a nursing home or similar facility. Coverage amounts help to pay for lost personal property, such as hearing aids, eyeglasses, false teeth, wheelchairs and more. This option also provides coverage for Additional Living Expenses (in certain situations).
 

Insurance Illustrated – Renters Insurance

Learn about Renters Insurance from The Hartford.

The Hartford Center for Mature Market Excellence

Learn more from our experts about being safe on the road and at home.
 

How to Save on Your Renters Insurance Policy

You may qualify for a variety of credits and savings that could let you save even more when you get a renters insurance quote. Here are some of the ways home and apartment renters can save with The Hartford.
 
Availability of credits or savings may vary by state or policy plan.
 

Bundle Rental and Auto Coverage and Save

When you buy both your rental and car insurance with us, you save on both policies. With the AARP® Auto & Home Insurance Program from The Hartford, you'll receive savings of up to 20% on the cost of your renters insurance and up to 5% on your auto insurance.
 

24-Hour Security Service Credit

Want to save even more? If your apartment or rental unit features a 24-hour security service, you could receive a credit on your renter insurance rates.
 

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.
 
Availability of credits or savings may vary by state or policy plan.
 
Bundling savings are not available in Hawaii and Massachusetts.
 

Insurance Illustrated – Renters Insurance

Learn about Renters Insurance from The Hartford.

The Hartford Center for Mature Market Excellence

Learn more from our experts about being safe on the road and at home.
 

Looking for Insurance That Offers an Easy Claims Service?

Our claims process was designed with one thing in mind: to get your life back in order as quickly as possible after an accident. That’s why our claims service is available 24/7 and operated by only the most knowledgeable and caring specialists in the business.
 

Additional Rental Coverage Services

Take advantage of these additional services designed to make it easier for you to recover from damage to or loss of your property.
 

Property Valuation Assistance

You keep a lot of valuable belongings in the property you rent. After an accident, it can be difficult to evaluate their worth. The Hartford provides specialists to help you value the contents of your rented property.
 

Rental Claim Inventory Assistance

Determining the value of lost items and what is salvageable after a devastating property loss can be extremely difficult. If this is the case, we may send a team out to help you with such problems. In addition to their expertise, you’ll be given access to our advanced computer modeling software that can help you create an accurate inventory of lost belongings.
 

Insurance Illustrated – Renters Insurance

Learn about Renters Insurance from The Hartford.

The Hartford Center for Mature Market Excellence

Learn more from our experts about being safe on the road and at home.
 
Wondering how the AARP® Homeowners Insurance Program from The Hartford stacks up? Check out these AARP Property customer claims reviews.
About our Customer Reviews

The Hartford publishes reviews so you can read about actual experiences our customers have shared. The reviews on this site are individual descriptions of costs, savings amounts, and customer experiences with our products and services that will vary based on their unique circumstances. Please note that each review is presented in its original form after having been reviewed by The Hartford and reviews are not representative of all customers.

Guidelines for reviews

The Hartford publishes reviews in order that site visitors may learn from actual experiences our customers have shared.

The Hartford applies several guidelines in the consideration of customer reviews for publication on our web site.

In general, reviews are published if they are relevant to the experience and not defamatory.

While the application of publishing guidelines is a subjective process, the following are frequent reasons which may prevent posting of a review:

  • Derogatory, abusive, threatening or offensive language and statements will disqualify a review from being published.
  • In order to protect our customers' privacy, and that of our employees and business partners, reviews containing personally identifiable information will not be published.
  • We do not publish reviews citing exact premium and settlement amounts.
  • We do not publish reviews that include a description of illegal activity or reference pending or current litigation.
  • We do not edit, correct, or modify ratings or reviews, regardless of content or tone.
 
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 Automobile & Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In California, the Program is underwritten by Hartford Underwriters Insurance Company. In Washington, the Auto Program is underwritten by Hartford Casualty Insurance Company, and the Home Program is underwritten by Trumbull Insurance Company. In Michigan, the Auto and Home Programs are underwritten by Trumbull Insurance Company. In Minnesota, the Auto Program is underwritten by Sentinel Insurance Company, and the Home Program is underwritten by Trumbull Insurance Company. In Pennsylvania, the Auto Program is underwritten by Trumbull Insurance Company, and the Home Program is underwritten by Hartford Underwriters Insurance Company. Homeowners product is not available in all areas, including the state of Florida. 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. The program is currently unavailable in Massachusetts, 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.