AARP Homeowners Insurance Policies

What is an "AARP Homeowners Insurance" policy?

Are you in the market for an AARP homeowners insurance policy? If you are currently a member of AARP and would like to learn more about their rates on products, give us a ring. We would be glad to help you find the best policy in the marketplace. As a member you can get quotes, compare plans, and even apply online. Use our free homeowners insurance quote engine to start the process of finding the best premium rate. If you are not an AARP member, we can offer you policies from all of the top A rated carriers available. The Hartford now offers products through AARP. Special features for members include:

  • AARP Permanent Life
  • AARP Lifetime Renewability
  • AARP 100% Protection Plan
  • AARP Protector Plus Homeowners Deductible Forgiveness
  • AARP 24/7 Claim Hotline with Satisfaction Guarantee
  • AARP "New For Old"

The AARP Homeowners Insurance Program offered by Hartford Fire Insurance Company and its affiliates. Founded in 1810, The Hartford Financial Services Group, Inc. is one of the biggest insurance companies in the United States and has been insuring many AARP members since the early 1980's.

Whether you are searching as a member of AARP, or as an new home buyer looking to find the best homeowners premium, be sure to do your work in comparing a variety of carriers. There are many companies competing for your business across America.

Check out some tips on AARP House Insurance:


  • 1: How much home insurance do I need?
  • 2: What affects home insurance prices?
  • 3: What deductible should I choose?
  • 4: What does property damage cover?

Anwser 1: Asset Protection: More coverage generally means you will have less to pay out of your own pocket if disaster strikes. You must determine the amount you can financially afford to lose. Depending upon your determination, more insurance may be the answer. You need enough liability coverage to protect yourself from lawsuits resulting from your possible negligence. Lender Requirements: Your lender may require you to cover the house for at least the amount of the mortgage. You are not required to purchase insurance from the insurer recommended by your lender. Policy Requirements: Insurers may impose some conditions for replacement cost protection, including insurance of the property to value.

Answer 2: Type of Construction: Frame houses usually cost more to insure than brick. Age of House: New homes may qualify for discounts. Some insurance companies offer limited coverage or may not insure older homes. Local Fire Protection: The number of fire hydrants and fire departments and the availability of water are some factors that determine your area's fire protection class. If you reside in an area without fire protection, you will pay more for fire insurance.

Answer 3: The deductible applies only to the coverages on your house and personal property. It is the amount you have to pay out of your pocket on each claim. You can collect on your insurance policy once the deductible amount is exceeded. A policy with a $100 deductible will cost more than one with a $250 deductible. Higher deductibles also will result generally in fewer claims, at a time when insurers are nonrenewing if the number of claims is considered "excessive."

Answer 4: Property damage coverage helps repair your home and personal property when damaged by such perils as fire, lightning, windstorm or hail. The perils of flood and earthquake are covered when the coverage is added to your policy. If you believe you need flood insurance and your insurance company will not provide it, you may obtain coverage through the federal government's National Flood Program ("NFP"). To learn more about the NFP, you can contact an insurance agent or contact the NFP at (800) 638-6620. You should carefully read your policy before you have a loss to determine exactly what types of losses will be covered.