Homeowners insurance covers damage to your home, property and personal belongings by helping to pay the cost to repair or replace them. It also offers financial assistance for any additional living expenses if your home is destroyed and provides liability coverage in the event that someone is injured on your property. With the AARP ® Homeowners Insurance Program from The Hartford, 1 you'll have financial protection for your home and its contents.
Insurance can help protect your house, garage, shed and other structures. We even help to cover your personal property, medical and legal bills, repair or replace damaged or stolen property, pay temporary living expenses and more.
Dwelling insurance coverage helps pay to repair or rebuild the structure of your home and the structures attached to it, such as roofs. It also includes internal systems like wiring and plumbing, plus heating and air conditioning. Most home insurance policies don’t cover damage from or earthquakes, but there are additional coverage options to help if these situations occur.
This helps cover structures on your property that aren’t attached to your house. For example, if your shed collapses from heavy snow, other structures coverage can help cover the cost of damages.
Personal property coverage helps protect your personal belongings such as furniture, clothing and appliances. When you insure your personal property with replacement cost coverage, covered property that is stolen or damaged will be replaced with a comparable item at today’s value, not depreciated actual cash value.
This coverage helps pay your living expenses, up to policy limits, if you cannot live in your home due to a covered loss or after suffering a loss. So, if your house is damaged from a fire and needs repairs, this coverage helps to cover the costs to stay in a hotel or rental.
If someone who is not a resident of your household suffers an injury or property damage for which you are legally responsible, personal liability can help cover your legal defense costs and any court judgments against you, up to your policy limits.
Medical payments coverage helps pay emergency medical bills if someone who isn’t a resident of your household is injured on your property. It also covers injuries caused by a member of your family or pet, regardless of where it happens. Bills are paid, up to policy limits, whether you’re legally responsible or not. 2
Hazard insurance coverage is a term used by mortgage lenders. It refers to coverage that helps protect your home from various hazards such as wind, fire, hail and theft. It is not different than dwelling coverage. This coverage may be required by your mortgage lender.
If you’re concerned about significant damage to your home, these optional coverages can help you have greater peace of mind.
If your home is deemed a total loss, full replacement cost coverage pays the full cost to rebuild your home up to 125% of your coverage limits. Depending on where you live, a coverage limit of up to 150% may be available.
ProtectorPLUS Zero Deductible Benefit coverage waives the homeowners insurance deductible (up to $5,000) if your home is severely damaged by a qualifying loss of $32,000 or more. For example, if your home is struck by lightning and there is electrical and structural damage exceeding $32,000, ProtectorPLUS Zero Deductible Benefit coverage would waive your deductible.
The AARP Homeowners Insurance Program from The Hartford offers the following coverages, to get just the right protection for your home:
| Coverage Type |
|---|
| "New for Old" Protection ‡‡ |
| Personal Injury Liability coverage |
| Reimbursement for Replacing Locks |
| Identity Fraud Expense Coverage |
| Disappearing Property Deductible ‡‡ |
| Equipment Breakdown Coverage |
| Valuable Items Blanket Coverage |
| Green Rebuilding Coverage |
| Replacement Plus or Easy Living Upgrade Coverage 3 |
| Water Backup and Sump Pump Overflow |
| Scheduled Personal Property |
| Rental Property Protection Plus Landlord Insurance |
Homeowners insurance helps protect the investment you’ve made in your home by providing financial protection for your home and its contents. Without it, you risk having to pay out of pocket if anything is damaged or destroyed. Additionally, most mortgage lenders require homeowners insurance if you have a loan on your home.
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Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
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