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Last updated on Jun 16, 2020

The Hartford and AARP Homeowners Insurance Review

Home insurance from a nationally recognized provider with special benefits for retirees ​
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The Hartford

  • Excellent customer satisfaction
  • Endorsed by the AARP
  • Discounts available for retirees
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How We Reviewed The Hartford and AARP Homeowners Insurance

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3 companies compared

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3 features evaluated

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7 ratings analyzed

The Hartford & AARP offers robust homeowners insurance and benefits for AARP members. Their homeowners insurance provides basic coverage options plus a range of add-ons, some of which are especially relevant to seniors. Some examples of supplemental coverage include assisted living care coverage, valuable items coverage, lock reimbursement, identity fraud, and more. In addition, The Hartford has a strong reputation in customer service and excellent financial strength ratings.

 The Hartford insurance company is one of the oldest insurance companies in the country. Founded in 1810, the company has insured famous institutions and structures such as Yale University and the Golden Gate Bridge. In its more recent history, the company has partnered with AARP (American Association of Retired People) to offer affordable and reliable homeowners insurance to members of the AARP. This partnership can be a great option for those who are already members of the AARP.

The Hartford & AARP Overview: 

The Hartford & AARP’s insurance is well-known with around 85% of recognition among the population of the United States. The Hartford’s boasts very good financial rankings and the BBB has also rated the company with an A+ rating.In addition, the company earned second place in the J.D. Power U.S. Property Claims Customer Satisfaction Study

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.

  • In business since: 1810
  • S&P Financial Strength Rating: A+ 
  • Moody’s Financial Strength Rating: A+ 
  • AM Best Financial Strength Rating: A+ 
  • States served: 49

The Hartford & AARP Review

Pros

  • Very strong financial ratings
  • Good record on customer service
  • Various discount options
  • Competitive rates

Cons

  • Confusing website navigation

The Hartford & AARP Insurance Coverage

Homeowners Insurance

Condo Insurance

The Competition


AM Best Financial Strength RatingJ.D. Power 2019 U.S. Home Insurance Study ScoreJ.D. Power 2019 U.S. Property Claims Satisfaction Study ScoreNAIC Customer Complaints
The Hartford & AARP Homeowners InsuranceA+3/5896/1,000Fewer complaints than average
State FarmA++3/5N/AN/A
AllStateA+3/5N/AN/A
Liberty MutualA3/5N/AN/A

*All information accurate as of 06/11/2020.

Hartford & AARP vs. State Farm 

Similarly to Hartford & AARP, State Farm also has great financial strength rankings. State Farm also excels in customer satisfaction with homeowners insurance and achieved 4 out of 5 Power Circles on the J.D. Power Home Insurance Study. If you’re a senior, however, you might prefer The Hartford & AARP over State Farm, thanks to the discounts it offers to those who are retired or work fewer than 24 hours a week.

Hartford & AARP vs. Allstate

Allstate, like 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. 

Hartford & AARP vs. Liberty Mutual 

Like Hartford & AARP, Liberty Mutual is known for its great range of discounts for homeowners insurance. However, Hartford & AARP comes out on top over Liberty Mutual with its customer satisfaction, where Liberty Mutual struggles, as the company received just 2 out of 5 Power Circles in the J.D. Power study.

How We Evaluated The Hartford & AARP Homeowners Insurance 

Factors evaluated include the provider’s financial strength as indicated by organizations such as AM Best and Standard & Poor’s, customer service ratings and support, as well as average premiums.

The Hartford & AARP Homeowners Insurance FAQ 

What is the difference between The Hartford and AARP?

The Hartford and AARP have partnered to offer various homeowners and auto insurance policies. The Hartford is an insurance company that’s separate from AARP. Royalties are paid to AARP for the use of its name. The insurance is available to AARP members.

In what states can I get The Hartford & AARP?

The Hartford & AARP is available in all states except Florida. Coverage is not available in U.S. territories either. Some policies and coverage options may vary depending on geographical location. 

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 ensures 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.

About the Authors

Rachel Peachey is an insurance writer for Reviews.com. Over the last few months, she’s covered topics such as insurance providers, insurance costs, and more.