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The Hartford/AARP Renters Insurance Review 2024
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Assistant Assigning Editor | Home insurance, renters insurance, pet insurance
The Hartford
4.5
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Pros
- Variety of coverage options.
- Deductible waived for large claims.
- User-friendly web experience.
Cons
- High volume of consumer complaints.
The Hartford
4.5
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Pros
- Variety of coverage options.
- Deductible waived for large claims.
- User-friendly web experience.
Cons
- High volume of consumer complaints.
About Hartford/AARP renters insurance
4.5
NerdWallet ratingThe Hartford/AARP's renters insurance earned 4.5 out of 5 stars for overall performance. There are two ways to get renters insurance from The Hartford. If you're a member of the AARP, The Hartford and AARP have joined forces to offer a policy that includes special members-only discounts. Non-AARP members can still get coverage from The Hartford through an independent agent.
Based on this rating, The Hartford/AARP is on NerdWallet’s list of the Best Renters Insurance Companies for 2024.
Our star ratings are based on consumer complaint data from the National Association of Insurance Commissioners; financial strength grades from AM Best; coverage and discounts available; and the overall consumer experience. See our criteria for evaluating renters insurance companies.
Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy in order to help you choose the financial products that work best for you. Here is a list of our partners and here’s how we make money.
Where The Hartford/AARP stands out
Coverage extras. The Hartford includes more than just the basics in its renters policies, with coverage for built-in improvements and a deductible waiver for big claims.
Discount for AARP members. Though you can get a Hartford policy without belonging to AARP, the company offers savings especially for AARP members.
Where The Hartford/AARP falls short
Consumer complaints. The Hartford draws more consumer complaints to state regulators than expected for a company of its size.
Potentially buggy app. The Hartford’s mobile app gets mixed reviews, with particularly negative feedback from Android users.
The Hartford/AARP renters insurance coverage
Landlords sometimes require tenants to purchase a policy with a minimum amount of renters liability insurance, but otherwise, the coverage you choose is generally up to you. Below are the four types of coverage included in most standard renters policies:
Type of coverage | What it does |
|---|---|
Covers your clothing, furniture, electronics and other belongings. | |
Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs. | |
Pays out if you're responsible for injuries to other people or damage to their property. | |
Covers injuries to other people in your home, regardless of fault. |
For more details, see What Does Renters Insurance Cover?
The Hartford/AARP includes a few extras beyond these basic types of coverage. For example, a special insurance deductible waiver is part of the standard policy. If you have a covered claim of $32,000 or more, The Hartford/AARP will waive up to $5,000 of your deductible. (The deductible is the part of a claim you’re responsible for paying.)
Policies also include replacement cost coverage for your personal belongings. This coverage, which costs extra from other insurers, means that if your items are stolen or destroyed, the company will pay enough for you to buy brand-new replacements. (Other companies pay less to reflect the depreciation of older items.)
Finally, The Hartford/AARP’s renters policy includes coverage for built-in improvements you’ve made to your home. For example, if your landlord lets you update your wallpaper or add built-in shelving, your policy would cover these items up to 10% of your personal property limit.
The Hartford/AARP has several other types of coverage you may be able to add to your renters insurance policy, depending on where you live. Along with common options such as coverage for identity fraud and high-value personal items like jewelry, it offers additional coverage for:
Appliances, systems or pieces of electronic equipment that break down.
Damage caused by water backing up or your sump pump overflowing.
Possessions damaged in an earthquake.
Legal costs and judgments stemming from a charge of slander or libel.
» MORE: The cheapest renters insurance
Discounts
The Hartford/AARP offers a few ways to save on your renters insurance policy, depending on where you live. Discounts may be available for:
Bundling renters and auto insurance.
Living in a gated community or a building with 24-hour security.
Renewing your renters policy.
Having a monitored security system.
Being an AARP member.
Consumer complaints
The Hartford/AARP received more than the expected number of home insurance complaints to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners. (NAIC home insurance complaints also cover other home policy types, including mobile home, renters and condo insurance.)
Consumer experience
Website: The Hartford's website offers online quotes and allows for easy claim filing and tracking. It also features answers to frequently asked questions about renters insurance. If you start on the AARP's website, it will send you to The Hartford's renters insurance page.
App: The Hartford's app is available for both iOS and Android devices. It allows you to file and track claims, pay bills and view policy documents, among other functions. However, the app has middling reviews, suggesting that it’s not helpful for all users.
Claims: You can file a claim on The Hartford’s website or by calling the company. AARP policyholders should call 877-805-9918, while non-AARP members should call 800-243-5860. Once you’ve filed, you can track claims online or in the app.
Customer service: AARP members can get a quote seven days a week by calling 877-422-2345. AARP members who have questions about their renters policy can call 800-423-0567 Monday through Saturday. Not an AARP member? Call 800-624-5578 Monday through Saturday for renters insurance questions.
Other renters insurance companies to consider
Not ready to make a decision? You may be interested in these other renters insurance companies:
The Hartford sells auto, RV, homeowners, condo and flood insurance through its partnership with AARP. Learn more about the company with our Hartford auto insurance review and our Hartford/AARP home insurance review. You can also get AARP life insurance to protect your beneficiaries in the event of your death.
You can get a quote for The Hartford/AARP renters insurance through The Hartford’s website or by calling The Hartford at 888-413-8970.
Yes. The company says bundling your policies can save you up to 20% on your renters insurance and 5% on your auto insurance.
The Hartford sells auto, RV, homeowners, condo and flood insurance through its partnership with AARP. Learn more about the company with our
Hartford auto insurance review
and our
Hartford/AARP home insurance review
. You can also get
AARP life insurance
to protect your beneficiaries in the event of your death.
You can get a quote for The Hartford/AARP renters insurance through The Hartford’s website or by calling The Hartford at 888-413-8970.
Yes. The company says bundling your policies can save you up to 20% on your renters insurance and 5% on your auto insurance.
Methodology
Renters insurance star ratings methodology
NerdWallet’s renters insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage options, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full renters insurance rating methodology.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
In This Review . . .
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