AARP Renters Insurance from The Hartford review

The Hartford's renters policy is part of the only national home insurance program endorsed by AARP and is designed exclusively for AARP members; if you are not a member, The Hartford helps you join when you buy. The base policy includes 'New for Old' protection that replaces destroyed belongings with new items of the same quality, living expenses up to an additional 30% of your personal property cover, and built-in improvements cover up to 10% of that limit, so a $15,000 property limit covers up to $1,500 of improvements. Liability, medical payments to guests regardless of fault and up to $1,000 for damage you cause to someone else's property are also included. Credits apply for bundling with auto, burglar or monitored fire alarms, and buildings with 24-hour security. The Hartford does not publish its own renters price; the $14 a month figure on its page is an industry average. We compared documented features and published prices.

Who it is for

Renters aged 50 and over who are, or will become, AARP members.

Price

See vendor pricing (USD check pending).

US price check pending. See the vendor pricing page.

Key features

• 'New for Old' protection that replaces destroyed belongings with new ones of the same quality
• Living expenses up to an additional 30% of your personal property cover
• Built-in improvements cover up to 10% of personal property cover
• Property damage to others up to $1,000 and medical payments regardless of fault
• Credits for bundling, burglar or monitored fire alarms and 24-hour security

Strengths and weaknesses

• Strength: New-for-old replacement in the base policy
• Strength: Living expense cover set at 30% of the property limit
• Strength: Specialized service for customers aged 50 and up
• Weakness: Designed exclusively for AARP members
• Weakness: No published starting price
• Weakness: Property damage to others is capped at $1,000

Key facts

• Eligibility: AARP members (sign-up offered at purchase)
• Living expenses: Up to 30% of property cover
• Improvements: Up to 10% of property cover
• Damage to others' property: Up to $1,000
• Phone: 877-422-2345

Where it ranks

AARP Renters Insurance from The Hartford is No. 10 in our Best Renters Insurance verdict.