UPDATED: Jan 20, 2023

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The Hartford

Average monthly rate for good drivers:

N/A

A.M. Best rating:

A

Complaint level:

Low

Pros

  • 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 Bottom Line

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.

Things to Remember

  • 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

If you rent a home or apartment, you need renters insurance. Renters insurance is the best way to protect yourself and your personal property against theft, vandalism, and inclement weather. With so many options for renters insurance, how can you know which company to choose?

The Hartford/AARP is one option for renters insurance that may work well for you. The Hartford offers discounts on renters insurance and several coverage options throughout the U.S. Still, you must have an AARP membership in certain states before purchasing renters insurance through the company.

 

Is The Hanover Insurance Group a Good Choice?

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.

The Hanover Insurance Group Rates

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.

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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.

The Hanover Insurance Group 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.

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.

Compare Insurance Providers Rates to Save Up to 75%

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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.

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

Full Bio →

Written by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker