The Hartford/AARP Homeowners Insurance Review 2023

The Hartford works with AARP to provide insurance for older homeowners.
Sarah Schlichter
By Sarah Schlichter 
Edited by Erica Corbin

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The Hartford


NerdWallet rating 
AARP members can get homeowners insurance through the organization’s partnership with The Hartford.

Coverage options

More than average


Great set of discounts

NAIC complaints

Far more than expected

The Hartford


NerdWallet rating 
AARP members can get homeowners insurance through the organization’s partnership with The Hartford.

Coverage options

More than average


Great set of discounts

NAIC complaints

Far more than expected

The Hartford offers policies designed for older homeowners through its partnership with AARP. The company 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.

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 home insurance companies.

Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy 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.

The Hartford/AARP home insurance star rating


NerdWallet rating 

The Hartford/AARP homeowners insurance earned 3.5 out of 5 stars for overall performance. Our editorial team determines NerdWallet's ratings. The homeowners insurance scoring formula considers 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.

State availability

The Hartford offers homeowners insurance to AARP members in Washington, D.C., and every state but Florida. In most states, non-members can get Hartford home insurance through independent agents.

The Hartford/AARP home insurance coverage

You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:

Type of coverage

What it does

Pays to repair or rebuild the structure of your home.

Covers damage to unattached structures such as a shed or fence.

Pays to repair or replace personal belongings such as furniture or clothing.

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

Covers legal expenses and damages if you're responsible for injuries to other people or their property.

Medical payments

Covers injuries to guests in your home, regardless of fault.

The Hartford offers standard home insurance as well as several home insurance packages. Additional coverage options may be available, including:

  • Additional Limits Coverage. It 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 deductible (the amount of a claim you're responsible for) up to $5,000 if you make a claim of $27,500 or more.

  • "New for Old" Protection. Pays to replace your possessions with new items, regardless of the old possessions' age or condition (often known as contents replacement cost coverage).

  • Lock replacement. Pays up to $500 (minus your 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. Pay to repair or replace appliances and electronics if they fail for a reason other than normal wear and tear.

  • Replacement Plus Patented 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 single-lever faucets.

  • 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 aren't fully covered by a standard policy, 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.


Depending on where you live, you may be able to get a discount by:

  • Bundling auto and homeowners policies.

  • Having home security features.

  • Installing certain fire protection devices like sprinkler systems or monitored fire alarms.

  • Owning a new home or a house with a new roof.

  • Having good credit.

  • Having filed no homeowners claims.

  • Working less than 24 hours a week.

  • Living in a gated community.

  • Having no mortgage on your home.

  • Being an AARP member.

  • Taking steps to prevent wind damage to your home.

  • Being a recent homebuyer.

Consumer complaints

The Hartford had far more than the expected number of complaints to state regulators relative to its size for home insurance, according to three years' worth of data from the National Association of Insurance Commissioners.

Consumer experience

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. However, Android users have reported bugs that make the app challenging to use. iPhone users report a slightly better experience with the app.

Claims: 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. For advice, see how to file a home insurance claim.

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.

Where The Hartford/AARP stands out

Perks for older homeowners. The Hartford targets mature homeowners with retiree and AARP discounts. In addition, its "Replacement Plus" coverage could make it easier for those with limited mobility to get around their kitchen or bathroom 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.

Where The Hartford/AARP falls short

Consumer complaints. The Hartford's biggest weak point is its high volume of customer complaints.

Buggy Android app. Judging by user ratings and reviews, The Hartford's Android app may not be the most effective way to manage your policy. The iOS app fares better, however.

Is The Hartford/AARP home insurance right for you?

If you're an AARP member or considering becoming one, the organization's homeowners insurance is worth considering. But you don't need an AARP membership to get The Hartford's insurance; you can contact one of its local independent agents to ask about your options.

Other home insurance companies to consider

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

  • Farmers: Offers three tiers of homeowners insurance coverage.

  • Homeowners of America: Sells policies through independent agents in 20 states.

  • Nationwide: Widely available policies with a broad range of coverage options.

  • Safeco: Solid homeowners insurance with customizable features.

Frequently asked questions

In addition to homeowners insurance, The Hartford sells policies including auto, renters, condo and umbrella through its partnership with AARP. The Hartford also offers various types of business insurance. Check out NerdWallet’s Hartford auto insurance review.

AARP partners with Foremost to insure manufactured and mobile homes. Learn more about mobile home insurance.

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.


Homeowners insurance ratings 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 and online experience. 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 ratings methodology for home insurance.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. 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.

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