Founded in 1810, The Hartford underwrites and services the AARP Auto & Home Insurance Program for eligible members. Availability is broad but not universal, and pricing and features vary by state. In today’s market, homeowners satisfaction is influenced by premium pressure and catastrophe losses, according to J.D. Power’s 2025 U.S. Home Insurance Study. Below, we update key facts about The Hartford & AARP homeowners offering, including current financial strength references, complaint-index guidance, and senior-focused program details.
The Hartford & AARP Home Insurance Overview
The AARP-branded program has strong brand recognition in the U.S. (see YouGov) and is backed by The Hartford’s financial strength. For a current financial strength view, confirm The Hartford’s operating company ratings directly with AM Best (A+ financial strength ratings are typical for core P&C subsidiaries; reference the agency page for the latest action date and outlook).
For service performance, use multiple public indicators. J.D. Power’s latest research highlights industry-wide satisfaction pressure driven by pricing and catastrophe activity (2025 Home Insurance Study). Brand-specific 2025 scores for The Hartford are not publicly listed by J.D. Power, so we recommend consulting regulator complaint data in the NAIC Consumer Information Source. The NAIC Consumer Complaint Index normalizes each insurer’s confirmed-complaint share to its market share (1.00 = expected; >1.00 = more than expected; <1.00 = fewer); review the most recent homeowners-line index by legal entity for a quantitative, public comparison. For claims trends that shape satisfaction, see J.D. Power’s 2025 U.S. Property Claims Satisfaction Study.
PROS
- Senior-focused program benefits via AARP membership
- Backed by The Hartford’s national underwriting and claims operations
- Discount opportunities (bundling, protective devices; availability varies by state)
CONS
- AARP membership is required in most states to access program pricing
- Not available in every state; eligibility and underwriting vary
- Complaint levels vary by subsidiary; check NAIC’s latest homeowners index
Methodology
We evaluated The Hartford & AARP homeowners insurance on customer experience indicators, coverage options, and financial stability, and we contextualized results against current market conditions. Our comparison references these public sources:
- Customer Ratings and Claims: Industry satisfaction benchmarks from J.D. Power’s 2025 U.S. Home Insurance Study and claims trends from J.D. Power’s 2025 U.S. Property Claims Satisfaction Study (both measured on a 1,000-point scale).
- Coverage: We assessed the breadth of standard protections and add-ons, with attention to senior-relevant options and state-by-state availability.
- Financial Strength: We referenced AM Best for current Best’s Financial Strength Ratings, outlooks, and date-stamped actions by legal entity.
- Regulatory Complaints: We used the NAIC Consumer Information Source to review the latest homeowners-line Consumer Complaint Index values by company (1.00 = expected level based on market share).
The Competition
| Company | Reviews.com Score | AM Best Financial Strength Rating | J.D. Power (latest study)** | NAIC Complaint Index (homeowners) |
| The Hartford & AARP | N/A (2025 methodology under review) | A+ | Not publicly disclosed (see 2025 study) | See latest NAIC CIS (homeowners line) |
| State Farm | N/A (2025 methodology under review) | A++ | See 2025 study | See latest NAIC CIS (homeowners line) |
| Geico | N/A (2025 methodology under review) | A++ | See 2025 study | See latest NAIC CIS (homeowners line) |
| Progressive | N/A (2025 methodology under review) | A+ | See 2025 study | See latest NAIC CIS (homeowners line) |
| Allstate | N/A (2025 methodology under review) | A+ | See 2025 study | See latest NAIC CIS (homeowners line) |
*Information current as of 2025.
**Based on a 1,000-point scale
The Hartford & AARP vs. State Farm
Both brands carry strong financial strength ratings and broad national reach, but they target different needs. State Farm emphasizes a large agent network and broad discounting, while The Hartford’s AARP program focuses on members 50+ with senior-oriented benefits and affinity pricing. In a market where price and availability vary by state, use current benchmarks like J.D. Power’s 2025 Home Insurance Study for overall trends and check NAIC CIS for each carrier’s most recent homeowners complaint index by legal entity before you choose.
The Hartford & AARP In This Review vs. Allstate
Allstate and The Hartford each offer strong financial backing and a wide set of homeowners features. For seniors, The Hartford’s AARP program adds member-focused benefits, while Allstate competes on agent support and broad feature sets. Given evolving pricing and underwriting by state, compare quotes and review public indicators: J.D. Power’s 2025 results for market context and NAIC CIS for the latest homeowners complaint indices.
The Bottom Line
The Hartford & AARP homeowners program pairs an established national insurer with an affinity offering tailored to AARP members. Financial strength remains a core advantage (verify current ratings at AM Best). Because today’s satisfaction is shaped by pricing, availability, and claims execution, use J.D. Power’s latest studies for market context and the NAIC Consumer Information Source for the most recent homeowners complaint indices by legal entity when deciding if it’s the right fit.
