The Hartford
- Lots of coverage options.
- Discounts for AARP members.
- User-friendly website.
- Far more than the expected number of complaints for a company of its size.
About AARP home insurance from The Hartford
The Hartford/AARP homeowners insurance earned 4.1 out of 5 stars for overall performance.
The Hartford has been the provider of AARP home insurance since the 1980s. However, you don’t need to be an AARP member to buy insurance from The Hartford. Non-members can get coverage through independent agents.
The Hartford is one of the insurance industry’s most venerable brands, dating back to 1810.
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Answer a few questions to see custom quotes and find the right policy for you.Where The Hartford/AARP home insurance stands out
Perks for older homeowners. The Hartford targets mature homeowners with discounts for AARP members. In addition, its "Replacement Plus" coverage could help those with limited mobility make their homes easier to navigate after a covered claim.
Many coverage options. The Hartford offers quite a few ways to customize your policy, including the ability to waive your deductible for large claims.
User-friendly website. You can get a quote, manage claims and find an agent on The Hartford’s website.
Where The Hartford/AARP home insurance falls short
Consumer complaints. The Hartford's biggest weak point is its high rate of customer complaints.
What Hartford/AARP home insurance covers
These types of home insurance coverage generally come standard:
- Dwelling
Dwelling coverage pays to repair or rebuild the structure of your home after a covered event. It also covers attached structures, such as porches.
Typical amount: Enough to rebuild your home.
- Other structures
Other structures coverage pays to repair or rebuild stand-alone structures on your property, such as a fence or shed.
Typical amount: 10% of dwelling coverage.
- Personal property
Personal property coverage pays to repair or replace stolen or damaged belongings. Personal property coverage comes in one of two options: actual cash value or replacement cost.
Typical amount: 50-70% of dwelling coverage.
- Loss of use
Loss of use coverage, sometimes known as additional living expenses coverage, helps pay temporary living expenses while your home is being repaired. This can cover hotel stays, home rentals and meals.
Typical amount: 20% of dwelling coverage.
- Personal liability
Personal liability coverage pays if you injure someone or cause property damage unintentionally or through neglect.
Typical amount: $100,000 to $500,000.
- Medical payments
Medical payments coverage pays to treat someone injured on your property, regardless of who’s at fault. It also pays if you, a family member or a pet injures someone away from your home.
Typical amount: $1,000 to $5,000.
For more details, see What Does Homeowners Insurance Cover?
Optional Hartford/AARP home insurance coverage
The Hartford offers other coverage options, such as:
Additional Limits Coverage. Pays up to 125% of your coverage limits (or 150% in some areas) if you need to rebuild your home completely.
ProtectorPlus Zero Deductible Benefit. Waives your home insurance deductible (the amount of a claim you're responsible for) up to $5,000 if you make a damage claim of $32,000 or more.
"New for Old" Protection. Pays to replace your possessions with new items after a claim, regardless of the old possessions' age or condition (often known as contents replacement cost coverage).
Lock replacement. Pays up to $500 (minus a deductible) to replace your locks if a key is lost or stolen.
Personal injury liability coverage. Helps pay for damages from a libel or slander claim, which standard liability coverage typically doesn't.
Identity fraud coverage. Pays out-of-pocket expenses to help you recover after fraud or identity theft. Learn more about identity theft insurance.
Disappearing Property Deductible. Reduces your deductible after you've been claim-free for three years.
Green Rebuilding. Increases your policy limits by up to 10% to pay for environmentally friendly materials or methods to repair your home after a claim.
Equipment breakdown coverage. Pays to repair or replace appliances and electronics if they fail for a reason other than normal wear and tear.
Replacement Plus or Easy Living Upgrade Coverage. Helps pay to make your kitchen or bathroom safer and more accessible after a covered claim with upgrades such as multi-level countertops or wider doorways.
Water backup and sump pump overflow. Reimburses you if a backed-up drain or failed sump pump causes water damage.
Scheduled personal property. Offers extra coverage for individual items that a standard policy won't fully cover, such as an expensive ring.
Valuable items blanket coverage. Raises the payout limit for items such as jewelry and silverware if stolen, lost or damaged — up to $10,000 per item.
Ordinance or law coverage. Pays to bring your home up to the latest building codes after a covered claim.
Refrigerated property coverage. Pays to replace refrigerated food ruined during a power outage or mechanical breakdown.
What’s not covered
Policies from The Hartford and AARP generally won’t cover:
Wear and tear.
Pest infestations.
Most flood insurance in the U.S. is provided by the federally funded National Flood Insurance Program. However, private flood insurance may also be available to you. Learn how to find the best flood insurance.
Where Hartford/AARP home insurance is available
The Hartford offers homeowners insurance to AARP members in Washington, D.C., and every state but California and Florida. In most states, non-members can get Hartford home insurance through independent agents.
Availability may change at any time. Coverage may not be available to all homeowners in a given state.
- Find the best home insurance in your state
Discounts
Depending on where you live, you may be able to get a discount by:
Having home security features.
Installing certain fire protection devices like sprinkler systems or monitored fire alarms.
Having filed no homeowners claims.
Being an AARP member.
Paying your bill in full instead of making monthly payments.
Consumer 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 much higher 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.
Third-party ratings: The Hanover ranks below average for customer satisfaction in J.D. Power’s 2024 U.S. Home Insurance Study. However, it came in above average in J.D. Power’s 2025 Property Claims Satisfaction Study.
How to file a claim with The Hartford/AARP
You can report a homeowners insurance claim through The Hartford's website. If you'd rather speak to someone, AARP members can call 877-805-9918, while non-AARP policyholders can call 800-243-5860.
Here are some key things to remember when filing a home insurance claim:
Document the damage. Take photos and create an inventory of damaged items. Provide details like labels and model numbers if possible, especially for more expensive items. Once you've documented the damage, you can make temporary repairs if it's safe to do so.
File your claim as soon as possible. This is especially important if the damage was caused by a storm, as it likely means other homes in the area were also affected.
Save your receipts. You may end up spending money on temporary repairs or living expenses before getting a payment from your insurance company. Keep all receipts so you can submit them for reimbursement later.
For more information, see how to file a home insurance claim.
How to contact Hartford/AARP customer service
AARP homeowners policyholders can call 800-423-0567, Monday through Saturday, for customer support. Non-AARP members can contact their local agent or call 800-624-5578, Monday through Saturday.
Online tools
Website: The Hartford's website offers coverage information, online quotes and a portal where you can pay bills and manage your policy. You can also use your online account to file and track claims.
App: Some of The Hartford's mobile app features are similar to the website's, such as bill payments and claim tracking.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
- See all NerdWallet home insurance reviews
How we rate homeowners insurance
NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 100 insurance companies.
Nearly 200 homeowner profiles.
View our complete homeowners insurance rating methodology.
Frequently asked questions
What other types of insurance does The Hartford offer?
What other types of insurance does The Hartford offer?
In addition to homeowners insurance, The Hartford sells policies including auto, renters and condo through its partnership with AARP. The Hartford also offers various types of business insurance. Check out NerdWallet’s Hartford auto insurance review. You can also purchase AARP life insurance to meet the needs of your family members or other beneficiaries.
Does AARP insure mobile homes?
Does AARP insure mobile homes?
AARP partners with Foremost to insure manufactured and mobile homes. Learn more about mobile home insurance.
Are The Hartford and AARP the same?
Are The Hartford and AARP the same?
No. The Hartford is a third-party insurer that sells AARP-branded homeowners, auto and other insurance. The Hartford also sells policies to non-AARP members through independent agents.
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. 2024 U.S. Home Insurance Study. Accessed Sep 8, 2025.
- 2.J.D. Power. 2025 U.S. Property Claims Satisfaction Study. Accessed Sep 8, 2025.
Star rating methodology
NerdWallet’s homeowners 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, discounts, claims process and website functionality. 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 or star ratings.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer experience (40%).
Financial strength (30%).
Coverage (25%).
Discounts (5%).
Read our full home insurance ratings methodology for more details.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare with 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.
