The Hartford
- Deductible waived for large claims.
- Discount for AARP members.
- User-friendly web experience.
- Very high volume of consumer complaints.
About Hartford/AARP renters insurance
The Hartford/AARP's renters insurance earned 4.3 out of 5 stars for overall performance. There are two ways to get renters insurance from The Hartford. AARP members can get a discount through the organization’s partnership with The Hartford. Non-AARP members can still buy coverage from The Hartford through an independent agent.
Best for: AARP members looking for savings on their renters insurance.
Not ideal for: Younger renters or those seeking strong customer service.
Where The Hartford/AARP stands out
Policy features. The Hartford’s policies include some nice perks. For example, the company will waive your deductible if you experience a large claim.
Discount for AARP members. Though you can get a Hartford policy without belonging to AARP, the company offers savings especially for AARP members.
User-friendly website. You can get a quote and find helpful information on The Hartford’s site.
Where The Hartford/AARP falls short
Consumer complaints and satisfaction. The Hartford draws a high rate of complaints and ranked near the bottom for customer satisfaction in a recent J.D. Power survey.
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What The Hartford/AARP renters insurance covers
Landlords sometimes require tenants to buy a policy with a minimum amount of 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:
- Personal property
Personal property coverage can replace belongings such as furniture and electronics if they're stolen or damaged.
- Personal liability
Renters liability insurance pays out if you're responsible for injuring other people or damaging their property.
- Loss of use
Loss of use coverage pays for hotel stays, meals or other expenses if you have to live elsewhere while your home is repaired.
- Medical payments
Medical payments coverage pays to treat injuries to other people in your home, regardless of fault.
For more details, see What Does Renters Insurance Cover?
The Hartford/AARP includes a few extras beyond these basic types of coverage. For example, a special insurance deductible waiver is part of the standard policy. If you have a covered claim of $33,000 or more, The Hartford/AARP will waive up to $5,000 of your deductible. (The deductible is the part of a claim you’re responsible for paying.)
Policies also include replacement cost coverage for your personal belongings. So if your stuff is stolen or destroyed, the company will pay enough for you to buy brand-new replacements. (Other companies pay less to reflect the depreciation of older items.)
Finally, The Hartford/AARP’s renters policy includes coverage for built-in improvements you’ve made to your home. Say your landlord lets you update your wallpaper or add built-in shelving. Your policy would cover these items up to 10% of your personal property limit.
Optional coverage
The Hartford/AARP has several other types of coverage you may be able to add to your renters insurance policy. Options vary depending on where you live but may include coverage for:
Jewelry and other valuables.
Appliances, systems or electronic equipment that breaks down.
Damage caused by water backing up or your sump pump overflowing.
Possessions damaged in an earthquake.
Legal costs and judgments stemming from a charge of slander or libel.
» MORE: The cheapest renters insurance
Discounts
The Hartford/AARP offers a few ways to save on your renters insurance policy, depending on where you live. Discounts may be available for:
Living in a gated community or a building with uniformed guards.
Renewing your renters policy.
Having a monitored security system.
Being an AARP member.
Consumer complaints and satisfaction
Complaints: One strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. The Hartford scores poorly on this measure, drawing a very high proportion of home insurance complaints compared to other U.S. insurers.
How we determined our complaint scores We analyzed three years' worth of complaint data from the National Association of Insurance Commissioners. When comparing insurers, we accounted for company size and total premiums. NAIC home insurance complaints cover various policy types, including homeowners, renters, mobile home and condo insurance.
J.D. Power rating: The Hartford renters insurance ranked below average for customer satisfaction in J.D. Power’s 2025 U.S. Home Insurance Study.
Where The Hartford/AARP renters insurance is available
You can get a Hartford renters insurance policy in every state except California and Florida.
Availability may change at any time. Coverage may not be available to all renters in a given state.
Consumer experience
Website: The Hartford's website offers online quotes plus easy claim filing and tracking. It also has answers to frequently asked questions about renters insurance. If you start on the AARP's website, it will send you 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, you can track claims online or in the app.
Customer service: AARP members can get a quote seven days a week by calling 877-422-2345. AARP members with questions about their policy can call 800-423-0567 Monday through Saturday. Not an AARP member? Call 800-624-5578 Monday through Saturday for renters insurance questions.
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Other renters insurance companies to consider
Not ready to make a decision? You may be interested in these other renters insurance companies:
How we review renters insurance
Our editorial team considers these factors when reviewing renters insurance companies:
- 📞 Customer experience
This rating is based primarily on consumer complaints to state regulators, as reported by the National Association of Insurance Commissioners. We also evaluate whether companies have customer-friendly features such as online claims filing and quotes.
- 🛡️ Coverage
We look at how companies cover your personal belongings and how many common optional endorsements they offer.
- 💲Affordability
We evaluate the discounts a company offers and, when available, its median rates.
- 🏦 Financial strength
We use AM Best and Demotech ratings to confirm each insurer’s long-term financial stability and ability to pay claims.
See our complete renters insurance rating methodology.
Why you can trust NerdWallet
In our research, we analyzed:
More than 175 million renters insurance rates.
More than 100 insurance companies.
More than 150 renter profiles.
Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy in order to help you choose the financial products that work best for you. Here is a list of our partners and here’s how we make money.
Frequently asked questions
What other types of insurance does The Hartford/AARP offer?
What other types of insurance does The Hartford/AARP offer?
The Hartford sells auto, homeowners, condo and flood insurance in partnership with AARP. Learn more about the company with our Hartford auto insurance review and our Hartford/AARP home insurance review. You can also get AARP life insurance to protect your loved ones in the event of your death.
How do I get a Hartford/AARP renters insurance quote?
How do I get a Hartford/AARP renters insurance quote?
You can get a quote on The Hartford’s website or by calling 877-422-2345.
Can I bundle my auto and renters insurance with The Hartford/AARP?
Can I bundle my auto and renters insurance with The Hartford/AARP?
Yes. The company says bundling your policies can save you up to 20% on your renters insurance and 5% on your auto insurance.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2025 U.S. Home Insurance Study. Accessed Dec 16, 2025.
Renters insurance star 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 affordability, financial strength, consumer experience and coverage options. 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 full renters insurance rating methodology.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners from 2022 through 2024. 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. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
