Homeowners Insurance

The Hartford

Get the homeowner’s coverage you deserve at a price your can afford with the AARP® Homeowners Insurance Program from The Hartford1.

Choose from an array of options, benefits and discounts, including:

Full Replacement Cost:

Select this benefit and insure your home for 100% of its replacement cost. Be confident knowing that if something happens to your home, your Extended Replacement Cost Coverage covers you for the full amount it costs to rebuild it up to 125% of your policy limits. (In some states, coverage is up to 150% of your policy limits.)

“New for Old” Protection:

We’ll pay the actual cost of replacing your possessions, regardless of age or condition.

Lifetime Renewability:

Your coverage can’t be cancelled if you meet a few simple requirements.

ProtectorPLUS Zero Deductible Homeowners Deductible Forgiveness:

Up to $5,000 of your homeowner’s insurance deductible will be waived if you experience a qualifying loss. (This coverage does not apply to special deductibles such as hurricane, earthquake, coal mine subsidence, special wind/hail or optional special theft deductibles.)

The Hartford ID Restore:

Get help from qualified fraud specialists to combat identity theft or fraud.

Optional Coverages for Even Greater Peace of Mind

Equipment Protection Advantage (Equipment Breakdown):

Helps pay to repair or replace appliances, heating/cooling systems, and more in the event of a sudden electrical or mechanical breakdown.

Replacement Plus:

Additional coverage to incorporate Universal Design features when repairing a kitchen or bathroom after a covered loss.

Green Rebuilding:

Increases your policy limits up to 10% when you use green, environmentally friendly materials or processes for repairs and rebuilds after a covered loss.

Valuable Items “Blanket” Coverage:

Easily protects important belongings such as dinnerware, artwork and other valuables without additional paperwork or scheduled appraisals.

Disappearing Property Deductible:‡‡

Rewards safe home and condo owners by reducing your deductible $50 for every three years you go without having a condo insurance loss.

Plus, bundle your home and auto insurance with The Hartford and get up to 20% off your homeowners and up to 5% off on auto insurance**.  Save even more with discounts and credits for retirees, fire and burglary systems, and policy renewals.

Coverage Built for Condos

If you own a condo, it may require different protection from a home, especially if your condo association is responsible for insuring the actual building or structure. 

The Hartford’s condo coverage through the AARP® Homeowners Insurance Program from The Hartford can help you protect the parts of your condo you are responsible for, as well your belongings.

Renters Need Protection, Too

If you rent, you may not own your home but you do own most everything in it. If something happens, your landlord’s insurance generally won’t provide replacement coverage for your possessions.

Renters coverage from the AARP Homeowners Insurance Program from the Hartford can help you protect the things that are important to you, at affordable rates.

Claims Service You Can Count On.

Home losses don’t keep normal business hours, so neither does The Hartford. Our Claims Hotline is available 24/7, staffed by customer care specialists who are ready to help you and provide service that is backed by The Hartford’s Claims Satisfaction Commitment.

Get a quote and learn more from one The Hartford’s trained specialists.

AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays a royalty fee to AARP for the use of AARP's intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states. 

**Automobile/Homeowners discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance Programs from The Hartford.  The homeowners product is not available in all areas, including the state of Florida.

If you are age 50 or older, once you're insured through this Program for at least 60 days, you cannot be refused renewal as long as applicable premiums are paid when due.  Also, you must continue to insure your home for at least 80% of your home's rebuilding value, cannot have knowingly increased your home's hazard level, and must not have obtained your policy through material misrepresentation. Benefit currently not available in HI, MI, NH and NC.

‡‡ Some benefits, such as the Disappearing Property Deductible, are only available with the optional Home Advantage Plus package. A policy without these added benefits is also available. To qualify for the Disappearing Property Deductible, homeowners must have no claims or losses for three consecutive years in most states. The Home Advantage Plus package option and the Disappearing Property Deductible are not available in all states.

The AARP Automobile & Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In California, the Program is underwritten by Property & Casualty Company of Hartford. In Washington, the Auto Program is underwritten by Hartford Casualty Insurance Company, and the Home Program is underwritten by Trumbull Insurance Company. In Michigan, the Auto and Home Programs are underwritten by Trumbull Insurance Company. In Minnesota, the Program is underwritten by Trumbull Insurance Company. In Pennsylvania, the Program is underwritten by Hartford Underwriters Insurance Company. Homeowners product is not available in all areas, including the state of Florida. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. The program is currently unavailable in Massachusetts, Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.