The Hartford provides home insurance coverage that meets the unique needs of seniors without breaking the bank. Take advantage of exclusive benefits and discounts through the AARP® Home Insurance Program from The Hartford.1
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Key Takeaways
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For over 40 years, The Hartford has offered affordable homeowners insurance for seniors through the AARP Home Insurance Program from The Hartford.
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The Hartford offers exclusive benefits and discounts just for AARP members. In fact, you can save over $800** when you bundle your home and car insurance.
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Homeowners can take advantage of customizable coverage options to extend their protection with The Hartford, giving them peace of mind knowing their home and belongings are covered.
What Is the Best Homeowners Insurance for Senior Citizens?
The best homeowners insurance is one that offers comprehensive and flexible coverage to meet each homeowner’s specific needs. With The Hartford, you can get the protection you need to be prepared for the unexpected.
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 flooding 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 is a term usually used by mortgage lenders, but you may hear it while shopping for insurance. It’s helpful to know that it’s the same as dwelling coverage. So, if your lender has specified that you need hazard insurance coverage, just know that generally buying a homeowners policy will satisfy their requirements.
What is and isn’t typically covered in a standard home insurance policy includes:
Additional Coverage Recommendations for Seniors Home Insurance
Whether you’re shopping for homeowners insurance, renters insurance or condo insurance with The Hartford, it’s quick and easy to customize your policy. With the AARP Home Insurance Program from The Hartford, you can extend your protection with these additional coverage options:
- “New for Old” Protection‡‡ helps replace your destroyed belongings with new ones of the same quality.
- Reimbursement for replacing locks pays up to $500 to replace locks, with a $100 deductible, if your keys get lost or stolen.
- Identity fraud expense coverage reimburses you for out-of-pocket expenses up to certain limits to help you recover after fraud or identity theft. See your policy for specific limits.
- Disappearing Property Deductible‡‡ reduces your deductible every year when you go three consecutive years without having an insurance loss.
- Equipment breakdown coverage helps cover your repair or replacement costs if your appliances or electronics have a mechanical or electrical breakdown. It also provides coverage if you want to make “green” upgrades. It pays up to 125% of your cost to replace any covered equipment with items that are similar but more energy efficient or environmentally friendly. Keep in mind that this does not include normal wear and tear.
- Valuable items blanket provides additional protection on certain valuables. For instance, if your insured jewelry gets stolen, this coverage can help cover the costs to replace it.
Tip:
The best homeowners insurance is one that provides total peace of mind knowing your most valuable asset is protected – your home.
It’s important to know that insurance companies typically don’t offer flood coverage as part of their homeowners insurance policies. Instead, you’ll need to purchase a separate flood insurance policy through the National Flood Insurance Program (NFIP) to cover flood damage.***
How Much Is Homeowners Insurance for Seniors?
The cost of home insurance in the United States is around $2,230 per year, according to 2025 average homeowners insurance rates.3 To help keep insurance costs down, The Hartford provides seniors with exclusive benefits and savings through the AARP Home Insurance Program from The Hartford, which is the only national home insurance program endorsed by AARP. To get your personal AARP member quote, call The Hartford at 877-422-2345.
What Affects Rates for Seniors Home Insurance?
Home insurance rates are complex, and there is no one-size-fits-all policy. What you might pay for homeowners insurance is likely different than what your neighbor pays. Some factors that influence the cost of home insurance are:
- Credit score
- Zip code
- Claims history
- Coverage limits
Discounts on Homeowners Insurance for Seniors
If you’re looking to save money, you’ve come to the right place. At The Hartford, we offer discounts just for AARP members.
Some of our home insurance discounts include:
- Bundle Discount: Save an average of $813 by bundling home and auto insurance coverages with the AARP Auto and Home Insurance Program from The Hartford.**
- Fire Protection Discount: Installing devices such as a fire sprinkler system or monitored alarms can help you save on your home insurance.
- Home Security System Discount: Adding a burglar alarm or security systems can get you additional discounts on your home insurance policy.
- Claim Free Discount: The longer you've been claims-free, the more you can save on your home insurance policy. Availability varies by state.
- Paid-in-Full Discount: Extra discounts apply if you pay your bill in full instead of making monthly payments.
Frequently Asked Questions About Homeowners Insurance for Seniors
Does Age Affect Home Insurance Rates?
Yes, age is one of the many factors used to determine home insurance costs.
Does AARP Offer Discounts on Homeowners Insurance?
Yes, The Hartford offers AARP members many opportunities to save on homeowners insurance with the AARP Home Insurance Program from The Hartford. For example, you can save over $800** by bundling your home and auto insurance with The Hartford.
What Are the 3 Biggest Factors in Determining the Cost of Homeowners Insurance?
Homeowners insurance rates are nuanced and depend on many different personal variables, like your home’s location, condition and building materials, as that will impact the price to rebuild your home. To learn more about your unique home insurance price, call The Hartford at 877-422-2345.
2 Medical payments are calculated on the basis of usual, customary and reasonable charges.
3 Bankrate, “Average Homeowners Insurance Cost in January 2025.”
*** This is an optional coverage and may not be available in all states.
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
§§ Terms and conditions apply.
‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
‡‡ Terms and conditions apply. Availability varies by state.
‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).
Additional disclosures below.