It’s almost mind-bending when you hear about a company that’s successfully been in business for over two centuries. That’s the sort of reassuring track record you get with The Hartford & AARP home insurance. With service in 49 states, great customer satisfaction ratings, and discounts for retirees, it shouldn’t shock anyone why the company has been around for so long. A more in-depth look into The Hartford & AARP homeowners insurance review may help you see just what this company can do for you.
The Hartford & AARP Home Insurance Overview
The Hartford & AARP’s insurance is well-known, with around 85% of recognition among the population of the United States. The Hartford boasts very good financial rankings, and the BBB has also rated the company with an A+ rating.
Despite its great performance in customer satisfaction in the J.D. Power study, The Hartford’s complaint index for homeowner policies, in particular, is slightly higher than the industry average of 1.00, at 1.42. One other potential downside is the website’s navigation, which can be confusing when trying to access FAQs.
PROS
- Excellent customer satisfaction
- Endorsed by the AARP
- Discounts available for retirees
CONS
- Requires an AARP membership in most states
- Confusing website navigation
- Higher rate of complaints
The Hartford & AARP Highlights
Methodology
We evaluated The Hartford and AARP homeowners insurance based on its customer rating and experience, financial stability, and coverage. To compare it with home insurance companies across the board, we then calculated Reviews.com score based on the following:
- Customer Ratings: Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using J.D. Power Homeowners Satisfaction ratings.
- Coverage: As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options and add-ons available.
- Confidence: It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. We measured this using AM Best’s ratings, which specializes in assessing the financial strength of insurance companies.
- Customer Experience: The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index.
The Competition
| Company | Reviews.com Score | AM Best Financial Strength Rating | J.D. Power 2020 Score** | NAIC Customer Complaints |
| The Hartford & AARP | 5 | A+ | 832 | More complaints than average |
| State Farm | 3.75 | A++ | 829 | Fewer complaints than average |
| Geico | 2.75 | A++ | N/A | More complaints than average |
| Progressive | 3.75 | A+ | 797 | Fewer complaints than average |
| Allstate | 4 | A+ | 829 | Fewer complaints than average |
*All information accurate as of 09/29/2020.
**Based on a 1,000-point scale
The Hartford & AARP vs. State Farm
Similarly to The Hartford & AARP, State Farm also has great financial strength rankings. State Farm also excels in customer satisfaction being only three points below The Harford on J.D. Power’s 2020 Home Insurance Study. If you’re a senior, however, you might prefer The Hartford & AARP since it offers discounts to those who are retired or work fewer than 24 hours a week.
The Hartford & AARP In This Review vs. Allstate
Allstate, like The Hartford & AARP, has strong financial strength ratings and a good record with customer satisfaction. Allstate also excels at offering a range of discounts, including for those age 55 and older. Hartford & AARP and Allstate are very similar as they both cater to the needs of seniors. It’s worthwhile to get a quote from both companies to see which is best for you.
The Bottom Line
The Hartford & AARP homeowners insurance program brings together the strengths of an established insurance company with a great reputation and the country’s premier retiree association. This homeowners insurance has great coverage and customer service as well as discounts for seniors. This insurance is best for those who are already members or who want to be members of the AARP.
The Hartford & AARP Home Insurance FAQ
About the Authors
Jason Lee is a seasoned writer with a passion for writing about insurance, banking, and personal finance. As a Las Vegas local and area business owner for a decade, he knows the ins and outs of the city better than anyone.
