AARP Renters Insurance From The Hartford

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Renters Insurance Overview

If you rent an apartment, condo or home, you’ll need to protect yourself and your personal belongings. Even though you don’t own the space, you still face many risks, like fire, theft or storm damage. That’s where AARP® Home Insurance from The Hartford1 can help. The Hartford offers renters insurance coverages to help cover the cost to repair or replace your things if they’re damaged and offers liability protection if someone is injured at your home.
 
The Hartford knows you have unique needs, and we’ll work with you to customize your renters insurance policy. Plus, as an AARP member, you can take advantage of exclusive member benefits to help lower your renters insurance cost. Take the steps to protect your belongings and get a quote today.
 

Why Get Renters Insurance?

As a renter, your landlord’s property insurance covers the physical structure of your apartment, condo or home. But that doesn’t protect your belongings inside the rental. Since landlord insurance won’t help protect your things, it’s important to have renters insurance. That way, you can fix or replace your belongings if they get damaged from a covered loss, like:
 
  • Fire and smoke damage
  • Theft or burglary
  • Vandalism
  • Certain covered events related to natural disasters

Is Renters Insurance Worth It If My Belongings Aren't Worth a Lot?

The cost of things like clothing, cookware, electronics and other household items can quickly add up if you have to replace them all at once. Typically, renters insurance is affordable and worth the cost to have peace of mind knowing you, your things and your guests are protected in case of an emergency.
 
 

Renters Insurance Coverage

Your renters insurance coverage helps you in several ways. Your standard policy includes different types of coverage, such as:

Liability Claims

If you’re legally liable for the accidental death or injury of another person at your rental, your rental insurance has personal liability coverage, which may help pay for costs up to your policy limit. Even if you’re not legally responsible, your insurance policy can help pay for your defense costs or legal fees.

Medical Payments

Your renters insurance can help pay for someone’s medical expenses if they get hurt in your rental. This coverage applies no matter who’s at fault.2

Property Damage

If you or a family member damages someone else’s property, your renters insurance can cover up to $1,000 to fix or replace it.

'New for Old' Protection‡‡

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

Built-In Improvements

Your policy can help cover the costs of any built-in improvements you’ve made to your rental, such as bookshelves or wallpaper, for up to 10% of your personal property coverage. So, if you have $15,000 in personal property coverage, your policy could cover up to $1,500 in damages to your built-in improvements.

Living Expenses

If a covered loss prevents you from living in your rental, your insurance policy can help cover your living expenses, such as hotel fees or food costs. Your renters insurance covers these expenses up to an additional 30% of your personal property coverage.
It’s important to know what kind of damage your AARP renters insurance policy helps cover. Your policy will detail what’s excluded from coverage. If you need additional protection, The Hartford offers benefits and policy endorsements you can include. Sometimes this can increase your premium, but it extends your protection to include things that may not typically be covered in a standard renters insurance policy.
Renters insurance coverage video

Insurance Illustrated: Renters Coverage

Get important information about AARP Renters Insurance from The Hartford.

Does Renters Insurance Cover Things Outside of My Rental Unit?

Renters insurance coverage offers protection for your things if they’re stolen or damaged, no matter where you are. For example, if your watch is stolen at the beach, your renters insurance will help pay to replace it, up to your coverage limits, as long as it’s on your policy.
couple happily protected by renters insurance AARP

How Much Does Renters Insurance Cost?

According to 2026 rates, the average cost of renters insurance is $170 per year, or about $14 per month.3 Remember, your renters insurance cost is unique to you, so your price might be higher or lower than the average.
Insurance companies look at many factors when determining renters insurance rates, such as:
 
  • Location
  • Estimated value of your personal items
  • Claims history
For example, if your rental is in a neighborhood with historically fewer claims, your renters insurance policy may be lower than the average. Or if you’re renting an apartment that’s more inland, your renters insurance cost will likely be lower than if you lived in a waterfront unit.
 

Ways To Save on AARP Rental Insurance From The Hartford

The Hartford makes it easy for you to customize your rental insurance policy to fit your needs. Our team can help you find the right coverage at the right price. We also offer renters insurance savings or credits to help lower your rate if you:
 
  • Bundle your auto and renters insurance policies.
  • Have certain safety features, like a burglar alarm or monitored fire alarm.
  • Live in a unit with 24-hour security service. This means your rental is located within a gated or fenced complex or a locked building that is protected 24 hours a day by uniformed guards at entrances and exits.

Does AARP Have Renters Insurance?

A question we’re often asked is, “Does AARP offer renters insurance?” No, there is no such thing as AARP insurance. Renters insurance from The Hartford, however, is designed exclusively for members. In fact, The Hartford offers the only national home insurance program endorsed by AARP. This means our policies include AARP member benefits and specialized customer service for people age 50 and up. Not an AARP member? The Hartford will help you sign up when you purchase a policy.
couple happy to get a renters insurance quote online from their apartment

Get Your AARP Renters Insurance Quote From The Hartford

For over 40 years, The Hartford has offered renters insurance with AARP benefits, like customizable coverage options and discounts. Plus, we provide car insurance for senior drivers that delivers savings and support to fit your lifestyle. To learn more about how your AARP membership offers exclusive benefits and personalized policies through The Hartford, get a quote online or call us at 877-422-2345.

Frequently Asked Questions About Renters Insurance

Yes, it’s legal for your landlord to require renters insurance before you sign a lease. You’ll likely have to show proof of insurance if you renew your lease to show your landlord you still have coverage.
Yes. Since rental insurance covers your personal belongings, it is your responsibility to pay the insurance premium to keep your things protected.
How much renters insurance coverage you need depends on personal factors, like the amount and value of your personal belongings. Be sure to choose coverage limits that fit your needs and circumstances. Making a home inventory can help you estimate the value of your things and determine how much protection you need. It’s also helpful to know the difference between actual cash value coverage, which factors in depreciation, and replacement cost coverage, which helps pay to replace items at today’s prices after a covered loss.
It’s quick and easy to get renters insurance from The Hartford. Getting a quote takes just minutes. Once you review your coverage limits, your policy can go into effect shortly after you sign the paperwork and pay your premium. 
To get a renters insurance quote with AARP Home Insurance from The Hartford, you’ll need to provide basic information about your home, like your address, current insurance and who lives with you. You’ll then be given a quote and can continue to buy your policy online or over the phone.
Creating a home inventory can be helpful if a disaster strikes. This inventory list should include everything inside your rental property to help you figure out what needs to be repaired or replaced. Take note of roughly how much it would cost to replace each item.
Personal property coverage, liability coverage and additional living expenses coverage are generally referred to as the three main components of a renters insurance policy, but you can always add additional coverages as needed.
Landlord insurance helps cover the landlord's property from various situations. Coverage includes:
 
  • Property damage to the structure of the building caused by covered events, like a fire.
  • Liability coverage if someone is injured while visiting or living at the rental unit.
  • Loss of income coverage if the rental property is damaged due to a covered loss, like wind, hail or another covered loss and can no longer be rented out.
Landlord insurance does not cover the renter’s belongings. That’s where renters insurance comes in.
Your renters insurance doesn’t cover flood damage. To protect your belongings from this type of damage, you’ll need to buy a separate flood insurance policy.
 
It’s also important to remember that while your renters insurance doesn’t cover flooding caused by weather, it does cover water damage from a leak in your rental or a connecting unit.
If you're shopping around for renters insurance, there are a few things to consider when comparing quotes, like:
 
  • Types and amount of coverage that are included in the standard policy
  • Any additional policy offerings you may want to include
  • The maximum amount your insurance company will pay for covered claims
  • How much you can afford with your deductible if something were to happen

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Bundle Your AARP Insurance Coverages

Enjoy great rates and coverage when you bundle insurance policies with AARP Auto and Home Insurance from The Hartford.
 
 
Last Updated: March 12, 2026
 
2 Medical benefits are calculated on the basis of usual, customary and reasonable charges.
 
3 Bankrate, “Average Cost of Renters Insurance in 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.
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