The Hartford/AARP Renters Insurance Review 2022

The Hartford/AARP's renters insurance has a lot of coverage options, but also a high number of customer complaints.
Apr 27, 2022

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There are two ways to get renters insurance from The Hartford. If you're a member of the AARP, The Hartford and AARP have joined forces to offer a policy that includes special members-only discounts. Non-AARP members can still get coverage from The Hartford through an independent agent.

The Hartford/AARP offers many coverage options for renters insurance and has a user-friendly web presence. But you should weigh that against a larger-than-expected volume of consumer complaints and relatively few ways to earn discounts.

Although AARP membership is technically open to all ages, The Hartford's insurance for AARP members is designed for renters age 50+.

Best for: AARP members seeking discounted renters insurance policies.

How we rate renters insurance companies

Our star ratings are based on consumer complaint data from the National Association of Insurance Commissioners; financial strength grades from AM Best; coverage and discounts available; and the overall consumer experience. See our criteria for evaluating renters insurance companies.

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The Hartford/AARP renters insurance pros and cons



Lots of coverage options.

High volume of consumer complaints.

Deductible waived for large claims.

In certain states, available only to AARP members.

User-friendly web experience.

How The Hartford/AARP renters insurance rates


NerdWallet rating 

The Hartford/AARP's renters insurance earned 4.5 out of 5 stars for overall performance. NerdWallet’s ratings are determined by our editorial team. The renters insurance scoring formula takes into account policy coverage options and discounts, ease of filing a claim, website transparency, the financial strength of the company, complaint data from the National Association of Insurance Commissioners and more.

Based on these considerations, The Hartford/AARP is among NerdWallet’s Best Renters Insurance Companies for 2022.

State availability

The Hartford/AARP renters insurance is available in all states and Washington, D.C., although you have to be an AARP member to get coverage in Alaska, Delaware, Florida, Hawaii, Louisiana, Massachusetts, Michigan, Mississippi, New Jersey and Rhode Island.

The Hartford/AARP renters insurance coverage

Landlords sometimes require tenants to purchase a policy with a minimum amount of renters liability insurance, but otherwise, the coverage you choose is generally up to you. Below are the four types of coverage included in most standard renters policies:

Type of coverage

What it does

Covers your clothing, furniture, electronics and other belongings.

Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.

Pays out if you're responsible for injuries to other people or damage to their property.

Medical payments

Covers injuries to other people in your home, regardless of fault.

For more details, see our guide to renters insurance coverage.

The Hartford/AARP also includes a special insurance deductible waiver as part of the standard policy. If you have a covered claim of $27,500 or more, The Hartford/AARP will waive up to $5,000 of your deductible.

The Hartford/AARP has several other types of coverage you can add to your renters insurance policy. Along with common options such as coverage for identity fraud and high-value personal items like jewelry, it offers additional coverage for:

  • Appliances, systems or pieces of electronic equipment that break down.

  • Damage caused by water backing up or your sump pump overflowing.

  • The full cost of replacing lost or damaged personal items rather than their depreciated value.

  • Possessions damaged in an earthquake (coverage not available in all states).

  • Liability, personal property and additional living expenses for a family member who used to live with you and is now in an assisted living facility.

  • Legal costs and judgments stemming from a charge of slander or libel.


The Hartford/AARP offers a few ways to save on your renters insurance policy. Discounts are available in most states if you bundle your renters policy with AARP auto insurance. Having a monitored security system or a 24-hour security service will also shave money off your premium, as will renewing your policy.

Consumer complaints

The Hartford/AARP received far more than the expected number of home insurance complaints to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners. (NAIC home insurance complaints also cover other home policy types, including mobile home, renters and condo insurance.)

Consumer experience

Website: The Hartford's website offers quotes right on the home page and allows for easy claim filing and tracking. It also features answers to frequently asked questions about renters insurance. If you start on the AARP's website, you'll be redirected to The Hartford's renters insurance page.

App: The Hartford's app is available for both iOS and Android devices. It allows you to file and track claims, pay bills and view policy documents, among other functions.

Claims: You can file a claim on The Hartford’s website or by calling the company. AARP policyholders should call 877-805-9918, while non-AARP members should call 800-243-5860. Once you’ve filed, claims can be tracked online.

Customer service: AARP members can get a quote seven days a week by calling 877-422-2345. AARP members who have questions about their renters policy can call 800-423-0567 Monday through Saturday. Not an AARP member? Call 888-413-8970 Monday through Friday for a quote or 800-624-5578 Monday through Saturday for other renters insurance questions.

Renters insurance buying guide

Before you compare renters insurance companies, gather key information such as the address of the rental and any safety and security features the unit has.

You should also figure out how much coverage you need. Take a quick inventory of your belongings: How much would it cost you to replace them? Include all furniture, electronic devices, clothing, jewelry and household items. This total is the minimum amount of personal property insurance you should have.

Your liability limit should be high enough to cover your net worth, while your deductible should be an amount you’d feel comfortable paying in an emergency.

When evaluating renters insurance quotes, make sure each rate estimate includes the same coverage limits and deductibles so you know you’re getting a fair comparison. While it’s tempting to buy the cheapest policy, you may also want to read reviews of your preferred company to make sure it offers good customer service.

Other renters insurance companies to consider

Not ready to make a decision? You may be interested in these other renters insurance companies:

Frequently asked questions
What other types of insurance does The Hartford/AARP offer?

The Hartford sells auto, RV, homeowners, condo, flood and personal umbrella insurance through its partnership with AARP.

How do I get a Hartford/AARP renters insurance quote?

You can get a quote for The Hartford/AARP renters insurance through The Hartford’s website or by calling The Hartford directly.

Can I bundle my auto and renters insurance with The Hartford/AARP?

Yes. Depending on your state, bundling your policies can save you up to 20% on your renters insurance and 5% on your auto insurance.


Renters insurance ratings methodology

NerdWallet’s renters insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage options, discounts, online experience and more. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

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