AARP Hartford Renters Insurance [2024]

UPDATED: Jan 25, 2024Fact Checked

Michael Leotta

Insurance Operations Specialist

Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...

Insurance Operations Specialist

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: Jan 25, 2024

Advertiser Disclosure

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: Jan 25, 2024

Advertiser Disclosure

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.

UPDATED: Jan 25, 2024Fact Checked
3.8
insuranceproviders.com

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

The Hartford

Average monthly rate for renters:

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

Final Verdict: Review of The Hartford

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.

[su_box title="Things to Remember" style="default”]
  • 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
[/su_box] 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.  

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

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.

Compare Insurance Providers Rates to Save Up to 75%

secured lock Secured with SHA-256 Encryption

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.

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 lock Secured with SHA-256 Encryption

Michael Leotta

Insurance Operations Specialist

Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...

Insurance Operations Specialist

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.

Reviews
for The Hanover Insurance Group

3.80 (270 reviews)
1
August 23, 2023

mtcory

Slow and poor service.

Our truck was in a head on accident 26 days ago. Hanover was very slow to respond and at one point we went 6 days with no calls. They eventually decided to total our truck and came back with 4 "comps", 2 had duel rear wheels and not a 4X4. Ours has 2 rear wheels and is a 4X4. One "comp" was a stretch cab and not a full 4 door like ours. The other one had higher miles and was in average condition. I finally got them to agree to the $17,000 repair...
Our truck was in a head on accident 26 days ago. Hanover was very slow to respond and at one point we went 6 days with no calls. They eventually decided to total our truck and came back with 4 "comps", 2 had duel rear wheels and not a 4X4. Ours has 2 rear wheels and is a 4X4. One "comp" was a stretch cab and not a full 4 door like ours. The other one had higher miles and was in average condition. I finally got them to agree to the $17,000 repairs when our truck is valued at $30,000(2 actual comps that I found on eBay). My 30 days car rental will have long expired before I see one red cent from this company to fix my truck. See attached photos. The red truck is mine, the white one is their best "comp" valued at $20,000.
1
August 1, 2023

Lpetrey

Lazy and poorly run

I had the worst experience I’ve ever had with an insurance company with Hanover. Someone reported an accident to Hanover without my knowledge. They apparently got my information through my plates because the only information they supplied was a picture of my vehicle. I told Hanover I had no knowledge of any accident and was involved in no accident. I further supplied them with details to show the impossibility of the alleged incident. They said...
I had the worst experience I’ve ever had with an insurance company with Hanover. Someone reported an accident to Hanover without my knowledge. They apparently got my information through my plates because the only information they supplied was a picture of my vehicle. I told Hanover I had no knowledge of any accident and was involved in no accident. I further supplied them with details to show the impossibility of the alleged incident. They said I had no proof of innocence so the accuser was getting a payout, but that neither driver was ruled at fault. I later found out that they had put me at fault! I have no at fault incidents on my record in my 15 years driving except this. I’m looking into my options fighting it over them. The second thing that really irritated me with them was the unprofessionalism of the agent handling the case. It may be reflective of only him and not the company, but he was highly unprofessional in the way he spoke to me. If I hadn’t known better, I would’ve thought I was the accuser and not the insured! I was very calm and neutral toned with him intentionally and he would speak with sarcasm, as if he knew me and had a personal issue with me. I’m sure I have never met the man but I was left very confused after every interaction. A truly wild experience!
2
August 30, 2021

Adik

Bad customer Seevce

08/292021 I requested to have road assistance. It take me be with agent 1 hour on the phone and not completed the service to towing my car 2 miles to the shop. Representative told me she try reach 11 companies and no of them give a respond. which is not true, I called by self to Lakeside Towing company and dispatcher [REDACTED NAME] said: Representative of Citizen company waiting for approval from supervisor. I'm so upset with service becaus...
08/292021 I requested to have road assistance. It take me be with agent 1 hour on the phone and not completed the service to towing my car 2 miles to the shop. Representative told me she try reach 11 companies and no of them give a respond. which is not true, I called by self to Lakeside Towing company and dispatcher [REDACTED NAME] said: Representative of Citizen company waiting for approval from supervisor. I'm so upset with service because Representative hold me on phone for 1 hour and didn't tell me she is waiting for approval from supervisor to make a payment. I paid by my self to LakeSide Towing company and in 20 minutes got service.
5
December 22, 2020

Charlton_insurance

Auto and home Insurance purchase

Insurance request was handled with professional from [REDACTED NAME] who answered all of my questions and made the transition go smoothly and efficiently
5
December 21, 2020

David_1688

Great company, great services.

Very good service, easy to deal with and respectful. I don't have any claim in Auto Insurance, but my home owner Insurance gave me very good impression.
5
December 19, 2020

Chuck_Truza_

Fast, Professional Service

I have had a claim and was amazed at the service in getting it handled. I had a fender bender at 11 AM and by 2 PM I had dropped the car off at the dealership repair shop and all the details were taken care of. Can't beat that for service.
4
December 17, 2020

ccstangle

Happy with auto insurance policy

Have used auto claims service and roadside assistance. Both have worked well and prices are good in my area.
5
December 15, 2020

Oldgoldwinger

When all prices were in, I went with Hanover Ins. Group .

I was checking the prices for house and car insurance which I do every two years, to make sure the prices I was paying were in line. I thought the company that I had been with for 25+ had gotten very high. I took my current present policies, so everyone would price me with the same level of insurance protection. When a companies gave me their Quotes Hanover Insurance came in the lowest.
5
December 15, 2020

JacksonDad

Great Customer Service

My son totaled his car (he was fine) and the whole matter was wrapped up and taken care of in less than 7 days.
5
December 15, 2020

14for14

Trustworthy

They’ve been there every time I’ve needed them. Excellent customer service experience so far. I had bought a hybrid vehicle & the wiring is almost like food to rodents & I couldn’t believe it and it happened again days later to the rental, also a hybrid. This all happened right when the first wave of the pandemic hit & my experience with all the parties, with the exception of the dealership, was wonderful
↑ Back to Top

Write a Review

Policy Type?

Please select a `Policy Type!`
(Min. 100 Characters)

Company Overall Rating

When you submit this review, you will be asked to sign in/up for to your https://www.insuranceproviders.com account. If your account is not currently verified, we will send a verification email to the email on file for your account. Please select the verification button in that email. If you do not see the email in your inbox, please check your spam or junk folder. Your review cannot be reviewed and accepted until you complete this verification step.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

secured lock Secured with SHA-256 Encryption