Personal Finance

The Hartford/AARP Renters Insurance Review 2021

229 total views

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

The Hartford and AARP have joined forces to offer renters insurance, although in most states, you don’t actually have to be an AARP member to get it. The AARP provides programs, services and discounts for older adults. You must be at least 50 years old to join.

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

The Hartford/AARP renters insurance pros and cons

The Hartford/AARP renters insurance rating

NerdWallet rating

The Hartford/AARP’s renters insurance earned 4 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 2021.

The Hartford/AARP renters insurance state availability

The Hartford/AARP renters insurance is available in 49 states and Washington, D.C., although you have to be an AARP member to get coverage in Alaska, Delaware, Hawaii, Louisiana, Massachusetts, Michigan, Mississippi, New Jersey and Rhode Island. The Hartford/AARP renters insurance isn’t available in Florida.

The Hartford/AARP renters insurance coverage

Standard coverage

For its basic renters insurance, The Hartford/AARP offers the same four types of coverage as most companies:

  • Personal property for items damaged, lost or destroyed.
  • Renters liability for judgments and legal expenses in a claim against you.
  • Loss of use to help pay living expenses if you have to relocate because of a covered claim.
  • Medical payments to others for injuries suffered on your property regardless of who’s at fault.

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.

Optional coverage

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.
  • Valuables that you want covered individually (after an appraisal) or as a group, such as jewelry or crystal.
  • 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.
  • Expenses stemming from a charge of slander or libel.

The Hartford/AARP renters insurance discounts

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.

The Hartford/AARP renters insurance 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.)

The Hartford/AARP renters 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 and a video series called “Insurance Illustrated.” If you go through 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.

The Hartford/AARP renters insurance FAQ

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

The Hartford sells auto, homeowners, condo, flood and personal umbrella insurance through its partnership with AARP. On its own, The Hartford offers several types of business insurance.

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/AARP’s dedicated phone number.

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.

Share this Post

About Us

What started as a mission to share what's happening in the insurance world today has grown into your daily go-to for insurance, financial planning, and retirement planning news.