clock menu more-arrow no yes

AARP Home Insurance Review (2022)

AARP offers comprehensive homeowners insurance, with many endorsements, in 49 states. However, in most regions it is only available to AARP members.

Louisiana Home Exterior iStock

Home insurance policies go a long way in protecting your most valuable investment. These policies can safeguard your asset from events like fires and hailstorms, as well as theft and vandalism. Instead of paying hundreds or thousands out of pocket for unexpected damage, you can rely on your policy and rest easy at night.

Unfortunately, not all home insurance companies are equal in terms of coverage, availability, and quality of customer service. The This Old House Reviews Team has created this in-depth AARP home insurance review to help you determine if the company is the best fit for you and your home.

Table of Contents

  • Our Take
  • Pros & Cons
  • Coverage
  • Availability
  • How Much Does AARP Home Insurance Cost?
  • Reviews of AARP Insurance
  • AARP vs. The Competition
  • Our Conclusion
  • Frequently Asked Questions

Our Take

AARP partners with The Hartford, a Connecticut-based insurance group, to provide comprehensive homeowners insurance. The homeowners insurance is comprehensive, offering all industry-standard coverage in addition to many valuable endorsements. However, in most states, coverage is only available to members—and no coverage is available in the state of Florida. Also, the fact that the insurance is underwritten by The Hartford adds a layer of complexity to claims filing and tracking as well as contacting customer service representatives. We give AARP home insurance an overall score of 92.10 out of 100.

On AARP’s Better Business Bureau profile, common complaints cite administrative and billing issues. Reviews range from praising good discount opportunities to noting concerns about a lack of professionalism.

Pros & Cons

Compare the advantages and disadvantages of AARP home insurance through The Hartford.

AARP Pros & Cons

Pros Cons
Pros Cons
Many endorsements Mainly just available to AARP members
Available in 49 states Doesn’t underwrite own policies
Few discounts


AARP offers all industry-standard coverage in its basic policy.

AARP Coverage

Type Description
Type Description
Dwelling + other structures Covers your home’s interior and exterior structure, as well as detached structures like garages and sheds
Personal property Covers your personal property, including furniture, electronics, appliances, and clothes, in case of a covered loss
Loss of use/Additional living expenses Covers costs associated with living outside of your home, including dining and accommodations, due to covered damage
Personal liability Covers legal fees if you are sued for injury or personal property damage to a guest on your property
Medical payments Covers the medical expenses of a guest who gets injured at your home

Many endorsements are available to help you customize your AARP homeowners insurance coverage.


Type Description
Type Description
“New for Old” Protection Replaces covered personal property with brand new items of the same quality
Personal injury liability Protects against damages from slander or libel
Reimbursement for replacing locks Pays up to $500 for new locks if your keys are lost or stolen ($100 deductible)
Identity fraud expense Covers out-of-pocket expenses up to the policy limit of restoring your identity
Disappearing property deductible Reduces deductible by $50 for every three years you go without having a loss
Equipment breakdown Covers cost of repairs or replacements of home systems, appliances, and electronics that break down (wear and tear damage does not apply)
Valuable items blanket coverage Extends coverage for damaged or lost valuables
Green rebuilding Raises policy limits up to 10% when you repair or rebuild with environmentally friendly materials
Replacement plus patented coverage Covers additional costs to rebuild a bathroom or kitchen with Universal Design features
Assisted living care coverage Extends liability, additional living expenses, and contents coverage to your relative in an assisted living care facility
Scheduled personal property Covers 100% of selected items’ insured value if they are damaged or destroyed
Rental property protection plus Provides liability coverage for up to four family rental units
Water backup and sump pump overflow Covers damage from water backup and sump pump overflow

AARP offers two tiers of coverage. All other endorsements can be added for an extra cost to either plan.


Coverage Advantage Advantage Plus
Coverage Advantage Advantage Plus
“New for Old” Protection
Personal injury liability
Reimbursement for replacing locks
Identity fraud expense ✓ ($25,000 limit) ✓ ($50,000 limit)
Disappearing property deductible
Equipment breakdown N/A


AARP home insurance is available in every state but Florida.

How Much Does AARP Home Insurance Cost?

The exact cost of AARP homeowners insurance depends on a variety of factors, including your property value, size, the materials it was constructed with, where you live, the coverage limits you select, the insurance deductible you choose, and more.


AARP offers only a few discounts to help lower the cost of your homeowners insurance coverage.

AARP Discounts

Type Description
Type Description
Multi-policy Discount for bundling auto and home insurance policies
Protective devices Discount for installed devices like burglar alarms or smoke detectors
Retiree Discount for retired homeowners or homeowners who work less than 24 hours per week
Claims-free Discount for going without filing a claim for a specified period of time

Reviews of AARP

AARP is not accredited by the Better Business Bureau, but it holds an A+ rating from the organization. See what real customers had to say about their experience with AARP.

Joan O. said:

“Good service. Good information. Good discounts.”

Val L. said:

“They are dishonest and deceptive. My husband canceled my mother-in-law’s subscription last year and they affirmed it was canceled. Well, this year they charged her account once again. My husband was on the phone forever...And after all this, it still is not resolved. AARP has no problem, whatsoever, taking advantage of the elderly and making a cancellation unbearable and impossible.”

AARP vs. The Competition

See how AARP stacks up against some of its top competitors on key metrics.


Provider AARP Lemonade Amica®
Provider AARP Lemonade Amica®
Our score 92.10 83.50 96.60
State Availability 49 27* 48 (not available in AK or HI)
BBB Rating A+ B+ A+
Years in Business 62 5 113
24/7 Claims Service by Phone
Protective Devices/Safety Features Discount
Ordinance protection included X X X
Bundling Discount
Mobile App

*Lemonade home insurance is available in AZ, AR, CA, CO, CT, GA, IL, IN, IA, MD, MA, MI, MO, NV, NJ, NM, NY, OH, OK, OR, PA, RI, TN, TX, VA, WA, WI

Our Conclusion

AARP offers robust home insurance coverage, along with an impressive range of endorsements nationwide. However, in most states, home insurance is only available to AARP members, which means if you are younger than 50 you won’t qualify. In addition, AARP does not underwrite its own policies, and the company offers few discounts. Overall, we give AARP home insurance a score of 92.10.

To ensure you find the right provider for your needs, we recommend getting quotes from multiple home insurance companies that serve your area:

Company Information

  • Company name: AARP
  • Company type: Public
  • CEO: Jo Ann Jenkins
  • Year founded: 1958
  • Headquarters: AARP, 601 E. St, NW Washington, DC 20049
  • State availability: 49
  • BBB rating: A+

Our Methodology

The This Old House Reviews Team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:

  • Coverage (30)
  • State availability (7.5)
  • Customer service (15)
  • Technology (12.5)
  • Reputation (20)
  • Additional benefits (15)

Our Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.

Frequently Asked Questions

Does AARP carry homeowners insurance?

AARP offers homeowners insurance through its partner, The Hartford. All industry-standard coverage is included, in addition to a long list of endorsements like equipment breakdown and disappearing deductible.

Does AARP have car and house insurance?

AARP offers both auto and home insurance through its partnership with The Hartford. Bundling your policies can lower your insurance premiums.

How do I get a quote for homeowners insurance?

It depends on the company. Many companies offer convenient, easy online quote tools. However, some others require that you contact them via email or phone. Some companies require you to contact a third-party agency.

How much should I pay for homeowners insurance?

According to the Insurance Information Institute, the average monthly cost for homeowners insurance is $101. However, the amount you pay will depend on a variety of factors including where you live, the age and size of your home, what it’s constructed of, and more.

To share feedback or ask a question about this article, send a note to our Reviews Team at