AARP Hartford Renters Insurance [2024]
Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
The Hartford
Average Monthly Rate For Good Drivers
$93A.M. Best Rating:
A-Complaint Level:
LowPros
- Several coverage options
- Waived deductible for large claims
- Benefits and discounts for AARP members
- Excellent financial strength ratings
Cons
- Lack of availability to non-AARP members in certain states
- Numerous customer complaints
- Non-AARP members may not have access to specific benefits or discounts
- The Hartford offers renters insurance throughout the U.S.
- In certain states, renters insurance with The Hartford is only available to AARP members
- Renters insurance with The Hartford covers medical expenses, personal property, and much more
AARP renters insurance for an apartment or home may be an excellent choice. The company offers several coverage options and some discounts through The Hartford.
Additionally, The Hartford has superior financial strength ratings and offers additional benefits and discounts specifically to AARP members.
If you’re not an AARP member, you may be unable to purchase renters insurance in your state. Shop and compare quotes from multiple providers before committing to a policy with The Hartford.
And, when you are ready to move into a home of your own, make sure you search for the best homeowners insurance.
What You Should Know About The Hanover Insurance Group
The Hartford has excellent ratings, touting an A- (excellent) financial strength rating with A.M. Best. In addition, the company has an A+ rating with the Better Business Bureau (BBB), though customer complaints are relatively high.
According to the BBB website, The Hartford closed 196 complaints in the past 12 months and 426 complaints within three years. So while the company has an A+ rating, the customer satisfaction rating is one out of five.
If you’re considering a policy with The Hartford, you may also want to consider the company’s customer satisfaction rating.
What are the pros and cons of a Hartford/AARP renters insurance policy?
Every insurance company is bound to have advantages and disadvantages. Some of the benefits of an AARP rental insurance policy include:
- Several coverage options
- Waived deductible for large claims
- Benefits and discounts for AARP members
- Excellent financial strength ratings
In comparison, some of the downsides to a renters insurance policy with AARP/The Hartford include:
- Lack of availability to non-AARP members in certain states
- Numerous customer complaints
- Non-AARP members may not have access to specific benefits or discounts
Before committing to a renters insurance policy with The Hartford, you should consider other coverage options with competitors. Comparing coverage options and renters insurance quotes helps you decide which company works best for you and your family.
Do I need renters insurance?
Many people believe their landlord’s homeowners policy covers them in the event of an accident, but that’s not the case.
When you rent a property, you need renters insurance to trust that your items will be covered if damaged or stolen. Otherwise, you could have to pay out-of-pocket to repair or replace things like your sofa, bedroom set, television, and more.
If you don’t know how much coverage to purchase in renters insurance, you can take stock of the items in your rental house. Then, come up with a total dollar amount for your personal property inside the home and on the land.
If you run into problems with the place you are renting, always try to work them out with them your landlord before pursuing legal action. If you do need to get your landlord in trouble, make sure you have everything well documented before proceeding.
What is the difference between renters insurance and condo insurance?
The difference between renters insurance and HO-6 condo insurance is simple. Renters insurance covers your property inside the home or apartment you are renting. Condo insurance, also know as HO-6 insurance, is for condo owners and covers the same as renters insurance plus the physical part of the building that you own.
Read more: HO-6 vs. Renters Insurance: What You Need to Know
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
The Hanover Insurance Group Insurance Coverage Options
Coverage options regarding renters insurance vary by company. For example, with The Hartford, a renters insurance policy covers the following:
- Personal property. This coverage protects items in the home — such as furniture, appliances, and clothing — from damage or theft.
- Personal liability. This coverage helps with legal ramifications for bodily injury or property damage and helps pay for expenses associated with any necessary legal defense.
- Property damage to others. This coverage might help repair or replace items that don’t belong to you if the damage occurred during a covered event.
- Loss of use. This coverage helps with living expenses you incur while you can’t live on your rental property due to a covered loss.
In addition to the coverage above — Every Hartford/AARP renters insurance policy offers add-on coverage options, including:
- ProtectorPLUS zero deductible benefit. This coverage waives up to $5,000 of the renters insurance deductible if you have a qualifying loss of $27,500 or more.
- Replacement cost coverage. This coverage pays for a brand new item to replace what was damaged or stolen.
- Valuable items blanket coverage. This coverage insures specific valuables to a certain monetary limit. Valuable items coverage often covers jewelry, furs, silverware, china, and crystal.
- Earthquake coverage. This coverage helps cover damages associated with an earthquake.
- Water backup. This coverage covers the repairs if you experience water backup or sump pump overflow on your rental property.
Not all of the coverages listed above are available in every state. Check with a Hartford representative to learn more about the options in your area. If you want to learn what auto insurance you can get with The Hartford, check out our guide to the types of auto insurance.
The Hanover Insurance Group Insurance Rates Breakdown
Several factors impact renters insurance rates. Some of the most common things affecting renters insurance rates include:
- Deductible amount
- Coverage amount
- Location
- Actual cash value vs. replacement costs
- Discounts
Renters insurance may seem pretty expensive — one of the best ways to save on renters insurance is by taking advantage of company discounts.
The Hanover Insurance Group Discounts Available
The Hartford only lists two discount options on its company website: a discount for bundling insurance policies and a 24-hour security service credit.
You could get cheap auto insurance if you bundle car and renters insurance with The Hartford. Bundling your coverages could also help you get a lower-than-average rate for renters insurance coverage.
The 24-hour security service credit helps you save on coverage if you live in a gated community or a locked building.
With The Hartford renters insurance, you can save money on coverage if you’re an AARP member, and The AARP homeowners insurance program offers The Hartford rental insurance or AARP apartment insurance. So if you’re an AARP member, you may be able to get additional discounts on your renters policy.
A downside of a renters insurance policy with The Hartford is that certain states only let you purchase a policy if you’re an AARP member. Still, being an AARP member could help you pay lower rates for renters insurance coverage.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
Frequently Asked Questions
Does the hartford sell renters insurance
Yes The Hartford does sell renters insurance.
What is the difference between renters insurance and condo insurance?
The difference between renters insurance and HO-6 condo insurance is simple. Renters insurance covers your property inside the home or apartment you are renting. Condo insurance, also know as HO-6 insurance, is for condo owners and covers the same as renters insurance plus the physical part of the building that you own.
What is AARP Hartford Renters Insurance?
AARP Hartford Renters Insurance is a policy offered by The Hartford, in partnership with AARP, specifically designed to provide coverage for renters. It aims to protect the personal belongings and liability of individuals who rent their homes.
Can I customize my AARP Hartford Renters Insurance policy?
Yes, AARP Hartford Renters Insurance policies can often be customized to suit individual needs. Additional coverage options may be available to extend the policy’s protections, such as higher coverage limits, additional liability coverage, and coverage for specific valuable items like jewelry or electronics.
How can I get a quote for AARP Hartford Renters Insurance?
To obtain a quote for AARP Hartford Renters Insurance, you can visit the official website of The Hartford or contact their customer service. They will typically require information about your rental property, the value of your personal belongings, and your desired coverage options to provide an accurate quote.
How are claims handled by AARP Hartford Renters Insurance?
When you need to file a claim with AARP Hartford Renters Insurance, you can do so by contacting their claims department either online or by phone. They will guide you through the claims process, assist you in completing the necessary forms, and work towards a resolution.
Can I manage my AARP Hartford Renters Insurance policy online?
Yes, The Hartford often provides an online platform where policyholders can manage their AARP Hartford Renters Insurance policies. Through their website or mobile app, you can access your account, view policy documents, make payments, update your information, and file claims conveniently.
How is the customer service of AARP Hartford Renters Insurance?
AARP Hartford Renters Insurance aims to provide quality customer service to its policyholders. However, customer experiences can vary. It’s recommended to read reviews and feedback from other policyholders to get a better understanding of their customer service quality. Remember, customer service can depend on individual experiences and expectations.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
mtcory
Slow and poor service.
Lpetrey
Lazy and poorly run
Adik
Bad customer Seevce
Charlton_insurance
Auto and home Insurance purchase
David_1688
Great company, great services.
Chuck_Truza_
Fast, Professional Service
ccstangle
Happy with auto insurance policy
Oldgoldwinger
When all prices were in, I went with Hanover Ins. Group .
JacksonDad
Great Customer Service
14for14
Trustworthy