AARP Homeowners Insurance Coverage

Name: AARP Home Insurance 101 | The Hartford
Uploaded: 2025-09-08T12:02:31-04:00
Duration: 3 min 14 s
Description: Learn more about AARP Home Insurance from The Hartford in this video.

Years Protecting AARP Members

4/5

Customers Saved With The Hartford

$963

Average Savings When Bundling With Auto Insurance**

Homeowners inside their home enjoying AARP Homeowners Insurance benefits

Choose AARP Homeowners Insurance From The Hartford

AARP^® Homeowners Insurance from The Hartford1 can be customized to help protect the investment you’ve made in your home – all at a price that fits your budget. What does AARP do? If you’re an AARP member, you get access to AARP discounts and credits that can help lower your homeowners insurance quote with The Hartford.

AARP Homeowners Insurance From The Hartford Benefits

As the provider of the only national home insurance program endorsed by AARP, The Hartford offers several benefits to AARP members, including:

Access Discounts and Savings

The Hartford believes in rewarding our customers. That’s why we offer homeowners insurance discounts and savings. See how you can start saving on your home insurance today.

File a Claim Quickly and Easily

The Hartford’s award-winning homeowners insurance claim representatives are the most dedicated and caring in the industry. And no matter when you need them, they’re here, available 24/7 to answer questions and walk you through our simple homeowners insurance claims process. Check out our home insurance customer reviews to see for yourself.

Bundle Auto and Home Insurance

You can save $963** or up to 12% on your car insurance and up to 20% on your renters, condo or home insurance by bundling your home and auto insurance policies.

What Does Homeowners Insurance Protect Against?

AARP Homeowners Insurance from The Hartford offers financial protection for your home and belongings if they are damaged or destroyed. It also helps provide liability protection in case someone is hurt on your property. To make it simple, we’ve compiled a view of what is and isn’t typically covered in a standard home insurance policy.

Situation	Usually Covered	Not Usually Covered
Fire	✓
Theft	✓
Vandalism	✓
Earthquake		✓
Plumbing issues	✓
Smoke damage	✓
Normal wear and tear		✓
Flood		✓
Pest damage (vermin, rodents, etc.)		✓
Freezing of pipes	✓
Weight from snow, sleet or ice	✓

Personalize Your Coverage With AARP Homeowners Insurance from The Hartford

Standard homeowners insurance helps protect your home and belongings if they’re damaged in the event of a covered loss. The Hartford offers customizable home insurance coverage options to meet your unique needs.

Property Damage

Most home insurance companies offer policies to help protect your home and the structures directly attached to it. Dwelling coverage helps pay the costs to repair or rebuild your home and its attached structures if they’re damaged in a covered loss, like fire, hail or lightning.

Personal Property

Personal property coverage covers losses of your personal belongings, like furniture, clothing and appliances. You can purchase additional valuable items blanket coverage for your expensive items, like jewelry, artwork or collectibles.

Personal Liability

If someone who is not a resident of your household suffers an injury or property damage for which you are legally responsible, personal liability protection can help cover your legal defense costs and any court judgments against you, up to your policy limits.

Other Structures

Homeowners insurance protects structures that are not directly attached to your home. For example, if your detached garage is damaged, other structures coverage can help with the repair costs.

Temporary Living Expenses

Loss of Use Coverage helps pay for your living expenses, up to your policy limits, if your home is unlivable after suffering a loss. If your house has significant fire damage, this type of homeowners insurance covers your stay in a hotel while the repairs are being done.

Medical Payments

Medical payments coverage helps pay emergency medical bills if someone who isn’t a resident of your household is injured on your property. Insurance also covers injuries caused by a member of your family or pet, regardless of where it happens. Bills are paid, up to policy limits, whether you’re legally responsible or not.³

What Home Insurance Coverage Is Required in Your State?

Select a state using the map or dropdown menu to see if home insurance is required. Note: Homeowners insurance coverage is not available in all states.

Frequently Ask Questions About AARP Homeowners Insurance

Is Homeowners Insurance Required?

While homeowners insurance typically isn’t required by law, if you have a mortgage on your home, then usually the mortgage lender will require you to have home insurance.

How Much Coverage Do I Need for Homeowners Insurance?

There is no one-size-fits-all policy when it comes to home insurance. In fact, there are a number of things to consider when choosing the right home insurance coverages for your needs, ranging from local construction costs to the value of your belongings. The Hartford is here to help make sure you and your prized possessions are protected. Call 877-422-2345 to learn more.

Is Flooding Covered Under Homeowners Insurance?

No, flood insurance isn’t included in standard homeowners insurance policies. You’d need to purchase a separate flood insurance policy to be protected.

Will Homeowners Insurance Cover a Rental Property?

No, rental property insurance isn’t included in standard homeowners insurance policies. If you’re a landlord and own a rental unit, you’d need to purchase rental property insurance separately to help protect your property.

Are There Ways I Can Help Protect My Home or Prevent Claims?

While the unexpected can strike at any moment, there are a number of ways you can protect your home. You can also prevent claims from occurring by installing devices like fire sprinkler systems and monitored alarms or even adding security systems, such as a burglar alarm. And these safety enhancements could save you money on your home insurance policy.

How Much Does Homeowners Insurance Cost?

The average cost of homeowners insurance in the U.S. is $2,341 per year, or $195 per month.² But homeowners insurance rates can vary due to several factors, like the age or location of your home.

How Does Homeowners Insurance Protect You?

Homeowners insurance helps offer financial protection for your home and everything inside of it when damaged by a covered loss. It also helps provide liability coverage if someone is injured on or off your property.

What Is the Florida Hurricane Mitigation Discount?

The Florida Hurricane Mitigation Discount can help lower your homeowners insurance policy cost.

Learn More About the Florida Hurricane Mitigation Discount

AARP Home Insurance 101

Learn more about AARP Home Insurance from The Hartford in this video.

Home Insurance Customer Reviews

“We were distraught after losing everything we took for our wedding anniversary trip … to theft. We were relieved to be able to replace some of our basics … without some of the financial burden. The Hartford was responsive, empathetic and effective. We are so glad as AARP members that we chose them.”

Shari

“Satisfied with … claim experience. I highly recommend being insured through The Hartford.”

Bonita

“We got The Hartford Insurance by being members of AARP. Best thing we ever did. They treat you with respect and are very helpful with questions and claim process.”

Leo

“I am a senior citizen with zero experience filing claims … The Hartford representative has been knowledgeable, patient, understanding, caring, responsive to my questions, and carefully guided me through the process.”

Laurene

“The Hartford staff handled my homeowner claim for garage damage in a speedy, professional manner and understood the damage explanation. This was a quick settlement and I'm a happy camper.”

Patrick

“Our house was hit by a car … and The Hartford was so helpful while I had to find contractors and get estimates. I would recommend The Hartford to anyone looking for a good insurance co.”

Denise

a homeowner searching for a homeowner’s insurance quote

Homeowners Insurance in Plain English

Quick answers and easy-to-understand homeowners definitions written with you in mind.

To learn more, read through our homeowners insurance definitions page.

AARP Homeowners Insurance From The Hartford