Is AARP Homeowners Insurance Right for You?

Tamsen Butler
Seniors with home.

Many people turn to AARP homeowners insurance to protect their homes in the event of a fire, theft, or some other loss. AARP partners with The Hartford to offer comprehensive coverage to members at a discounted rate.

AARP Homeowners Insurance Availability

Many people are familiar with AARP health and other discounts, but they also offer a reduced rate on homeowners insurance as well. AARP offers a discounted rate on quality homeowners insurance, but this coverage is only available to members of AARP. Comparable coverage is certainly available to non-members through The Hartford and other insurance companies, but without the AARP discount the policy will likely be more expensive.

AARP membership is available to people age fifty and older, regardless of retirement status. There is a small annual fee to join AARP, but membership entitles people to discounts on homeowners insurance and several other products and services.

State-Specific Policies

The amount of coverage available may vary from state to state. Available protection in most states includes:

  • Home replacement coverage
  • Property coverage
  • Earthquake coverage
  • Flood Insurance
  • Fire insurance
  • Coverage for homeowners with home-based businesses

Specific coverage may not be available in every state.

Obtain a Quote

A quote for homeowners insurance through the AARP/The Hartford program can be obtained over the telephone or online. Be sure to have the following information when requesting a quote:

  • Your contact information (name, address, telephone, e-mail, et cetera)
  • Information regarding any current homeowners insurance policy you have:
    • Name of insurance company providing current policy
    • The monetary amount of the premium you currently pay
    • The date your current policy is set to expire
  • Address information of the home to be insured (if different from the contact address)
  • Residence information, such as if it is a primary dwelling or a rental property.
  • Type of home, whether a mobile home, single family dwelling, condominium, or other
  • Information regarding the construction of the home:
    • Year the home was built
    • Type of roof and what year it was installed
    • Square footage of the home

Other questions you will encounter when requesting a quote include information pertaining to claims you have made in the last three years and also if any businesses are run within the home. You will also be asked to provide information regarding nearby fire stations and if you have any home monitoring services.

The accuracy of the information you submit in your quote request will ensure the accuracy of the policy quote amount provided by The Hartford. In other words, be as accurate and complete as possible when requesting a quote. Quotes can be obtained on the website for The Hartford or by calling (877) 422-2345.

Flood Insurance

As with most homeowner insurance programs, AARP homeowners insurance coverage does not automatically include flood insurance. This means that simply obtaining a homeowners insurance policy does not necessarily cover damage to the home as the result of a flood. Even if you don't live in an area subject to flooding, you should still consider purchasing a flood insurance policy to cover you in the event that your home floods as the result of a burst pipe or other internal occurrence.

Flood insurance policies with AARP are issued through The Hartford. This company participates in the National Flood Insurance Program (NFIP).

Comparison Shopping

AARP offers a generous discount for homeowners insurance policies, but it is important to take the time to do some comparison shopping. You may be able to find a less expensive policy through another company, but make sure you do not sacrifice necessary coverage and excellent customer service for the sake of a larger discount. You want to ensure that the policy you purchase will sufficiently cover the cost of repairing or replacing your home and the items within it.

When shopping for homeowners insurance you can feel confident starting your search with AARP/The Hartford. Obtain at least three quotes before deciding on one particular policy, but you may find the coverage offered through AARP to be the best policy at the lowest price.

Is AARP Homeowners Insurance Right for You?