Alyssa Lane
AARP (American Association of Retired Persons) partners with insurance companies to provide its members with lower-cost insurance. The Hartford has been the provider of AARP home insurance since the 1980s and is the only AARP-approved home and auto insurance provider. AARP members can get homeowners insurance through this partnership, which offers flexible policies and multiple discount opportunities. The Hartford targets mature homeowners with retiree and AARP discounts and provides two types of plans: Advantage and AdvantagePlus. However, The Hartford has a high rate of customer complaints and is not available in all states.
| Characteristics | Values |
|---|---|
| Target audience | Older homeowners |
| Provider | The Hartford |
| Available in | 34 states |
| AARP membership required | Yes, in most states |
| Customizable policies | Yes |
| Discounts | Yes, for retirees and AARP members |
| Online claim filing | Yes |
| Customer service | Good |
| High rate of customer complaints | Yes |
| Average annual premium | $1,979 |
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What You'll Learn
AARP Home Insurance Program from The Hartford
The Hartford has been providing AARP home insurance since the 1980s and has established itself as a reputable and reliable insurer. The company offers two main homeowners insurance policies: Advantage and AdvantagePlus. Both policies cover home damages, personal property, and additional living expenses in the event that your home becomes uninhabitable. AdvantagePlus also offers equipment breakdown coverage and higher identity theft expense coverage.
One of the standout features of the AARP Home Insurance Program is the number of customization options available. Policyholders can choose from 12 endorsement coverages, including backup coverage for sewage or drain damage and "Replacement Plus" coverage, which can assist those with limited mobility in making their homes more accessible after a covered claim.
In terms of cost, The Hartford offers a variety of discounts for AARP members, including retiree discounts, to help make insurance more affordable. However, it's important to note that The Hartford has received a higher-than-average number of customer complaints, particularly regarding high rates.
Overall, the AARP Home Insurance Program from The Hartford is a solid choice for AARP members seeking flexible and customizable coverage. The program provides access to a range of benefits and discounts, making it a good option for those looking for comprehensive and affordable insurance coverage.
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Pros and cons of AARP homeowners insurance
AARP homeowners insurance is provided by The Hartford, which has been in the insurance business since 1810. The Hartford has been the provider of AARP home insurance since the 1980s. AARP members can get homeowners insurance through this partnership.
Pros of AARP Homeowners Insurance
AARP homeowners insurance has several pros, including:
- The Hartford has an impressive customer service record and is known for treating every customer fairly, being easy to work with, approaching each claim with compassion, and remaining accessible at all times.
- The Hartford offers flexible policies with multiple discount opportunities for retirees and AARP members.
- The Hartford provides two homeowners insurance policies: Advantage and AdvantagePlus. Both cover home damages and personal property, including garages and sheds.
- The Hartford offers a Lifetime Continuation Agreement, which guarantees that the insurer won't drop you if you've had the coverage for at least 60 days and paid premiums on time, as long as your home is insured for at least 80% of the cost to rebuild.
- The Hartford offers a user-friendly website and quick and easy access to quotes.
Cons of AARP Homeowners Insurance
There are also some cons to consider when it comes to AARP homeowners insurance:
- The Hartford's rates are often not the least expensive, and customers may be able to find cheaper rates elsewhere.
- The Hartford's quote process can be lengthy.
- The Hartford has a high rate of customer complaints relative to its size.
- AARP membership is required for program eligibility in most states.
- The Hartford does not disclose its home insurance rates, and costs depend on various factors, including credit score, property size, and location.
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Discounts and perks for older homeowners
AARP members can get homeowners insurance through the organization’s partnership with The Hartford, which has been the provider of AARP home insurance since the 1980s. 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 offers several senior discounts, including one for those who work fewer than 24 hours per week. The Hartford targets mature homeowners with retiree and AARP discounts. In addition, its "Replacement Plus" coverage could help those with limited mobility make their homes easier to navigate after a covered claim. The Hartford's home insurance policies are flexible and provide multiple discount opportunities.
Homeowners insurance discounts can save you up to 40% on your home insurance for things like bundling, home upgrades, and being claim-free. The biggest home insurance discounts to ask for include discounts for buying a new home, bundling home and auto insurance, and completing upgrades to the electrical, plumbing, and heating systems. Installing a new roof can also earn you a big discount. Some insurance companies offer discounts on homeowners insurance for seniors. Typically, to qualify, the house must be your primary residence, you have to be age 55 or older, and you must work outside of your house for less than 24 hours a week.
Some homeowners insurance carriers offer discounts specifically for seniors. While each carrier can define “senior” as they wish, if the carrier does offer a senior discount, it will usually be available to homeowners who are 65 years old or older. Homes that are situated in a community with extra security, such as a gated community, might also qualify for a discount. You may also qualify if you have a private subscription to a security service.
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Customer reviews of AARP homeowners insurance
AARP homeowners insurance is provided by The Hartford, which has a reasonable Bankrate Score of 3.8 for its home insurance offerings. The Hartford has a rating of 1.2 out of 5 stars on Trustpilot, with many reviews complaining about poor customer service and unexpected rate increases. For example, one reviewer mentioned that their premiums continued to increase despite having no claims and a great driving record. Another reviewer expressed frustration with receiving bills even after cancelling their policy and switching to a new insurance company.
On the other hand, some customers have praised The Hartford for its coverage options, giving it a perfect score of 5.0 in this category. The company offers numerous ways to personalize coverage, including optional coverage types such as green rebuilding coverage, lock replacement coverage, and scheduled personal property coverage.
AARP itself has a rating of 1.3 out of 5 stars on Trustpilot, with some reviewers expressing dissatisfaction with the company's handling of claims and lack of transparency. One reviewer mentioned that AARP denied their claim due to missing paperwork, while another complained about feeling harassed by the company.
It's important to note that customer reviews can vary significantly, and it may be helpful to consider a variety of sources and perspectives before drawing conclusions about the quality of AARP homeowners insurance. Additionally, AARP is not an insurance company itself but partners with third-party providers, which may impact the customer experience.
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Availability of AARP homeowners insurance
AARP homeowners insurance is provided by The Hartford, the only AARP-approved home and auto insurance provider. The Hartford offers AARP members lower rates and credits on home insurance, as well as special benefits for their families.
AARP Home Insurance from The Hartford 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 availability of AARP Home Insurance from The Hartford may vary by state or policy plan. For example, the product is not available in Florida and has limited availability in California. In most states, non-members can purchase The Hartford's home insurance through independent agents.
To get a quote for AARP Home Insurance from The Hartford, you can visit their website or call them. No-cost, no-obligation quotes are available. To get a quote online or by phone, you will need to provide your AARP membership number.
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Frequently asked questions
AARP homeowners insurance is provided by The Hartford, which has a reasonable Bankrate Score of 3.8 for its home insurance offerings. It has a perfect score of 5.0 for its coverage options. The Hartford/AARP homeowners insurance earned 4 out of 5 stars for overall performance. The Hartford has been the provider of AARP home insurance since the 1980s.
AARP homeowners insurance has a wide range of coverage options, including replacement coverage for those with limited mobility, and liability coverage. There are also multiple discount opportunities, including for retirees and AARP members.
AARP homeowners insurance has received more customer complaints than expected for a company of its size. It is also considered expensive, with high rates.
AARP membership is required in most states. You need to be over 50 to be an AARP member.
You can contact an agent in your region to get a quote.
