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).