Does Aarp Offer Home Insurance?

AARP does not sell insurance plans directly but offers group discounts on home insurance for its members. AARP has partnered with The Hartford, an auto and homeowners insurance company, to provide special benefits for AARP members and their families. The Hartford offers two types of plans with flexible payment and coverage options, so most AARP members should be able to find coverage that suits their needs.

Discounts and savings for AARP members

AARP members can enjoy a range of discounts and savings on home insurance. The Hartford is the only AARP-approved insurance company, and its home insurance policies are flexible and provide multiple discount opportunities.

AARP members can save up to 20% on their home insurance when they bundle their home and auto policies. This can include savings of $813 or up to 12% on car insurance and up to 20% on renters, condo, or home insurance.

The Hartford also offers savings for those who work fewer than 24 hours per week, as well as discounts for insurance bundles, home security systems, and renewal credits.

In addition to the savings available through The Hartford, AARP members can also take advantage of exclusive real estate benefits when buying or selling a home, as well as up to 20% off Budget truck rentals.

AARP members can also save on other types of insurance, including health, life, auto, and dental insurance, as well as prescriptions and certain medical procedures.

Home insurance cover options

AARP does offer home insurance through The Hartford, an AARP-approved insurance company. The AARP Homeowners Insurance Program from The Hartford offers flexible policies with multiple discount opportunities.

The Hartford offers two homeowners insurance policies: Advantage and AdvantagePlus. Both cover home damages and personal property, including garages and sheds. This coverage also helps replace personal property that’s been damaged in a loss and can assist with temporary living expenses if your home is uninhabitable. It also includes liability coverage in case of a legal settlement due to injury or property damage.

The Advantage program pays up to $25,000 in identity theft expenses, while AdvantagePlus offers $50,000. AdvantagePlus also provides equipment breakdown coverage, which is similar to a home warranty policy.

The Hartford also offers additional coverages to protect your entire property, including:

• Other Structures Coverage
• Personal Property Coverage
• Personal Liability Insurance Coverage

Dwelling coverage, an essential component of your homeowners insurance, covers the costs of repairing or rebuilding your home and its connected structures, such as an attached garage, in the event of damage caused by fire, smoke, vandalism, and more.

The AARP Homeowners Insurance Program from The Hartford can be customized to fit your budget and protect the investment you've made in your home.

The Hartford's home insurance policies

The Hartford is the only AARP-approved insurance company. Its home insurance policies are flexible and provide multiple discount opportunities. The company offers two homeowners insurance policies: Advantage and AdvantagePlus. Both cover home damages and personal property, including garages and sheds. This coverage also helps replace personal property that has been damaged in a loss and can assist with temporary living expenses if your home is uninhabitable. It also includes liability coverage in case of a legal settlement due to injury or property damage.

The Advantage program pays up to $25,000 in identity theft expenses, while AdvantagePlus offers $50,000. AdvantagePlus also provides equipment breakdown coverage, which is similar to a home warranty policy.

The Hartford offers savings for AARP members, including lower rates and credits on home insurance. The company also provides discounts for insurance bundles, home security systems, and renewal credits.

In addition to standard coverage, The Hartford offers optional coverages to supplement homeowners insurance, including:

• Additional limits coverage
• ProtectorPLUS Zero Deductible Benefit
• Personal injury liability
• Reimbursement for replacing locks
• Identity fraud expense
• Disappearing property deductible
• Equipment breakdown
• Valuable items blanket
• Green rebuilding
• Replacement Plus or Easy Living Upgrade
• Water backup and sump pump overflow
• Scheduled personal property
• Rental property protection plus landlord insurance

The Hartford's home insurance is available in 34 to 37 states, depending on the source. It is not available in California, Florida, or U.S. territories.

AARP's insurance plans

AARP Insurance Programs are provided by The Hartford, the only AARP-approved insurance company. AARP members can access a range of insurance plans, including home, health, life, and auto insurance, as well as savings on prescriptions and medical procedures.

AARP members can save up to 20% on home insurance policies, with the average saving being $236. This discount is available in 34 states, including Arizona, Arkansas, California, Colorado, Connecticut, Georgia, Hawaii, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, New Hampshire, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia, and Wisconsin.

The Hartford's home insurance policies are flexible and can be customized to meet the policyholder's needs. They offer two types of homeowners insurance policies: Advantage and AdvantagePlus. Both policies cover home damages and personal property, including garages and sheds. This coverage also helps replace personal property that has been damaged and can assist with temporary living expenses if the home is uninhabitable. It also includes liability coverage in case of a legal settlement due to injury or property damage.

The Advantage program offers up to $25,000 in identity theft expense coverage, while AdvantagePlus offers $50,000. AdvantagePlus also provides equipment breakdown coverage, which is similar to a home warranty policy.

Other benefits of The Hartford's homeowners insurance policies include replacement cost benefits, a disappearing property deductible, and a large loss deductible waiver.

In addition to standard homeowners insurance, The Hartford offers optional coverages to supplement your insurance, including:

• Additional limits coverage
• ProtectorPLUS Zero Deductible Benefit
• "New for Old" protection
• Personal injury liability
• Reimbursement for replacing locks
• Identity fraud expense
• Disappearing property deductible
• Equipment breakdown
• Valuable items blanket
• Green rebuilding
• Replacement Plus or Easy Living Upgrade
• Water backup and sump pump overflow
• Scheduled personal property
• Rental property protection plus landlord insurance

How to qualify for AARP insurance

AARP membership is open to anyone over the age of 18, with full membership available to those over 50. Membership costs $16 per year and gives you access to hundreds of discounts, programs, and resources.

Once you have an AARP membership, you can qualify for AARP insurance. AARP does not provide insurance directly, but it does endorse insurance providers and their products.

For example, AARP endorses The Hartford's homeowners insurance program, which offers flexible policies and multiple discount opportunities to AARP members. The Hartford is the only auto insurance endorsed by AARP, and it offers a 10% discount to AARP members.

AARP also endorses Medicare Supplement Insurance Plans, insured by UnitedHealthcare Insurance Company. To enroll in an AARP Medicare Supplement Plan, you must be an AARP member.

Frequently asked questions