Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove.
Les Masterson Deputy Editor, InsuranceLes Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove.
Written By Les Masterson Deputy Editor, InsuranceLes Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove.
Les Masterson Deputy Editor, InsuranceLes Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove.
Deputy Editor, Insurance Amy Danise Managing Editor, InsuranceAmy Danise is the managing editor for the insurance section at Forbes Advisor, which encompasses auto, home, renters, life, pet, travel, health and small business insurance. She is a highly experienced editor, writer and team leader with an extensive.
Amy Danise Managing Editor, InsuranceAmy Danise is the managing editor for the insurance section at Forbes Advisor, which encompasses auto, home, renters, life, pet, travel, health and small business insurance. She is a highly experienced editor, writer and team leader with an extensive.
Amy Danise Managing Editor, InsuranceAmy Danise is the managing editor for the insurance section at Forbes Advisor, which encompasses auto, home, renters, life, pet, travel, health and small business insurance. She is a highly experienced editor, writer and team leader with an extensive.
Amy Danise Managing Editor, InsuranceAmy Danise is the managing editor for the insurance section at Forbes Advisor, which encompasses auto, home, renters, life, pet, travel, health and small business insurance. She is a highly experienced editor, writer and team leader with an extensive.
| Managing Editor, Insurance
Updated: Jul 10, 2024, 3:08am
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The Hartford/AARP home insurance sells policies in 36 states. Though anyone in those states can buy a policy from The Hartford/AARP, only AARP members are eligible for a membership discount.
The Hartford was founded in 1810 as a fire insurance company. It now offers home insurance in 36 states and sells car, renters, condo, pet, flood, umbrella, RV and business insurance.
The Hartford-based company partners with AARP, formerly known as the American Association of Retired Persons, to offer home insurance policies. Anyone can buy a home insurance policy from The Hartford, but only AARP members can get discounts for being a member and other discounts like bundling policies.
The Hartford has an A+ (Superior) financial strength rating from AM Best. The credit rating agency trumpeted the company’s “balance sheet strength, “adequate operating performance, favorable business profile and appropriate enterprise risk management.”
The Hartford/AARP home insurance includes the standard types of coverage found in a home policy.
Covers damage to your house structure. Other structures coverage Covers damage to structures such as detached garages and fences. Covers theft or damages to your personal property like clothes, furniture and electronics.Covers accidental property damage and injuries you cause to others. It also pays for your legal defense if you are sued because of an accident.
Covers small medical bills when someone blames you for their injuries because of your accidental actions (or someone in your household) or your pet’s. Coverage is usually $1,000 to $5,000 and can be paid without determining fault.
Covers your extra costs when you can’t live at home because of damage covered by the policy. Hotel bills and restaurant meals are examples.
See More See LessBeyond standard home insurance, The Hartford/AARP also offers:
The Hartford/AARP home insurance doesn’t cover all causes of damage, such as:
The Hartford/AARP home insurance is on the high end for multiple coverage amounts, including $350,000 in dwelling coverage. The average monthly rates for The Hartford home insurance is $107 for $200,000 in coverage, $148 for $350,000 in coverage and $183 for $500,000 in coverage.
Source: Quadrant Information Services. Rates are for California.
*USAA offers home insurance only to veterans, military members and their families.
Home insurance companies use multiple factors when setting rates, such as:
The Hartford/AARP offers multiple home insurance discounts, including:
You can buy a home insurance policy by going to The Hartford’s website and choosing home insurance at the top of the page.
You enter your ZIP code into the quote tool at the top of the home insurance page and it will then ask you for additional information about the coverage amounts and deductible. Check your current policy to see what you have for coverage and deductible before getting a home insurance quote.
Or call the company at 1-877-422-2345 to get a home insurance quote. You can get quotes via phone from 7 a.m. to 11 p.m. ET Monday-Friday and 8 a.m. to 6 p.m. Saturday and Sunday.
Spanish speakers can call 1-877-621-4981 from 8 a.m to 9 p.m. ET Monday-Friday and hearing-impaired callers can call 1-800-877-8973 ET Monday-Friday.
You can file a home insurance claim through the company’s website or by calling 1-800-243-5860. The Hartford has representatives who staff the phones 24/7 and a mobile app where you can submit a claim.
No matter how you file a claim, The Hartford will want to know:
After you file a claim, The Hartford may send a claims adjuster to check out the damage and provide an estimate. If you agree to the payout amount, The Hartford will pay you the amount minus your policy’s deductible.
For instance, if your home suffered $10,000 worth of roof damage and your home insurance deductible is $1,000, The Hartford would pay you $9,000.
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