Understanding Your Benefits and Savings

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Benefits and Savings of Your Auto Policy

If you have auto coverage with the AARP® Auto Insurance Program from The Hartford,1 your policy includes extra benefits designed especially for AARP members. These are some of the benefits included with your policy:
 
  • RecoverCare§ – Provides reimbursement for essential home services you can’t perform after a covered accident. This coverage can cover the cost of house cleaning, lawn maintenance, snow removal and food preparation.
  • New Car Replacement§§ – With The Hartford, you don’t need to worry about your new vehicle losing value the moment you drive it off the lot. If it is totaled in an accident, we’ll pay to replace it with no deduction for depreciation.
The Hartford also offers additional coverages for extra protection, including:
 
  • Disappearing Deductible‡ – With this optional coverage, The Hartford will reduce your collision deductible over time. This is one of the ways we reward experienced drivers like you.
  • Accident Forgiveness‡ – This is your assurance that if you’re involved in your first accident, that accident will be forgiven and your rates won’t increase as a result. To qualify, all drivers on your Hartford policy must have a clean driving record for five consecutive years.
 

Benefits and Savings of Your Homeowners Policy

Your homeowners policy offers protection beyond what other insurers typically offer, such as:
 
  • Retiree Credit – If you work less than 24 hours a week, we can help you save money on your homeowners insurance policy.
  • “New-for-Old” Protection – If your possessions are destroyed by a covered loss, we’ll help pay the actual cost to replace them with brand new ones of the same quality – even if your possessions were old or not in the best condition at the time of damage.

If You Need to File a Claim

We know that the events that lead to filing a claim are stressful. That’s why we have a streamlined claims process and knowledgeable specialists who are available around the clock to provide personalized service whenever you need us. Once you file a claim, you can easily track its progress online using our Customer Service Center. We’re committed to expediting your claim so you can get back to normal life as quickly as possible.
 
For auto claims, our Six-Point Claims Satisfaction Commitment is your assurance that we will:
 
  • Be here for you 24/7 with our claims reporting service.
  • Walk you through the claims process.
  • Refer you to our network of repair shops and stand behind their workmanship for as long as you own or lease your vehicle.
  • Provide full replacement cost for new cars that are totaled with no deduction for depreciation.§§
  • Pay up to $2,500 for help at home while you get back on your feet after an auto accident.
  • Work to issue agreed payments quickly.
Our homeowners claims specialists are committed to the same high standards of service that our auto claims specialists are – with 24/7 availability and personalized attention. We also offer additional services to help you get back on your feet after a claim, including access to a network of reliable home contractors, specialists to help you inventory and value your belongings, and professionals to clean up any damage caused by water, smoke or fire.
 

High Ratings from Customers Like You

With 96 percent of our current customers recommending the AARP® Auto & Home Insurance Program from The Hartford, we have a proven track record of providing quality coverage and excellent service. Plus, our customers have rated our claims handling 4.7 out of a possible 5 stars. You’re welcome to read online reviews shared by our auto and homeowners customers.
 

The Hartford: A Company You Can Trust

When you insure with The Hartford, your policy is backed by over 200 years of experience – and over 30 years serving the unique insurance needs of AARP members. We’re committed to the highest ethical standards in all of our operations – The Hartford has been recognized as a World’s Most Ethical Company® 14 times by Ethisphere.2 You can count on us to place integrity and trust above all else.
 
 
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 1/1/22 and 12/31/22. Your savings may vary. Average auto insurance savings is $507 and average home insurance savings is $120. 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 Home product is not available in all areas, including the state of Florida.
 
§ 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.
 
Additional disclosures below.
auto insurance definition

Car Insurance in Plain English

Quick answers and easy-to-understand auto insurance definitions written with you in mind.
 
To learn more, read through our auto insurance definitions page.
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.