In This Review: Our Take | Pros and Cons | Cost and Discounts | Coverage | State Availability | Customer Reviews | Conclusion | Comparison | Company Information | FAQ | Methodology

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 homeowners insurance provider for you and your home.

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Our Take on AARP

We give AARP home insurance an overall score of 92.10 out of 100.

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.

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 of AARP Home Insurance

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

✔ Many endorsements
✔ Available in 49 states

✘ Mainly just available to AARP members
✘ Doesn’t underwrite own policies



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.

Multi-policyDiscount for bundling auto and home insurance policies
Protective devicesDiscount for installed devices like burglar alarms or smoke detectors
RetireeDiscount for retired homeowners or homeowners who work less than 24 hours per week
Claims-freeDiscount for going without filing a claim for a specified period of time



AARP Home Insurance Coverage

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

AARP Coverage

Dwelling + other structuresCovers your home’s interior and exterior structure, as well as detached structures like garages and sheds
Personal propertyCovers your personal property, including furniture, electronics, appliances, and clothes, in case of a covered loss
Loss of use/Additional living expensesCovers costs associated with living outside of your home, including dining and accommodations, due to covered damage
Personal liabilityCovers legal fees if you are sued for injury or personal property damage to a guest on your property
Medical paymentsCovers 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

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


Cost of Coverage

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

CoverageAdvantageAdvantage 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 breakdownN/A



State Availability

AARP home insurance is available in every state but Florida. Click on your state from the list below to see the top providers in your area and compare them against AARP:

Alabama | Alaska | Arizona | Arkansas | California | Colorado | Connecticut | Delaware | Georgia | Hawaii | Idaho | Illinois | Indiana | Iowa | Kansas | Kentucky | Louisiana | Maine | Maryland | Massachusetts | Michigan | Minnesota | Mississippi | Missouri | Montana | Nebraska | Nevada | New Hampshire | New Jersey | New Mexico | New York | North Carolina | North Dakota | Ohio | Oklahoma | Oregon | Pennsylvania | Rhode Island | South Carolina | South Dakota | Tennessee | Texas | Utah | Vermont | Virginia | Washington | West Virginia | Wisconsin | Wyoming



AARP Customer Reviews

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.

Link Superlative Star Rating
Lemonade Easiest Sign-Up
State Farm Best Endorsements
Allstate Best Coverage Options
Travelers Most Experience
American Family Most Comprehensive Coverage
Liberty Mutual Best Discounts
Superlative Easiest Sign-Up
Star Rating
Get Quote
State Farm
Superlative Best Endorsements
Star Rating
Get Quote
Superlative Best Coverage Options
Star Rating
Get Quote
Superlative Most Experience
Star Rating
Get Quote
American Family
Superlative Most Comprehensive Coverage
Star Rating
Get Quote
Liberty Mutual
Superlative Best Discounts
Star Rating
Get Quote



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:

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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+



Frequently Asked Questions about AARP



Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations.

With that in mind, we created an objective rating system to score each home insurance company. Here’s what that review process looked like:

  • We analyze the information on each company’s website. This allows us to determine what products and services are offered by each home insurance provider.
  • We get a sample quote from the companies by either talking to a sales representative or by using the online quote tool. This tells us what a policy looks like and costs.
  • We test customer service by talking to a company representative, finding out their hours of operation, and determining what technological features are available for customers.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home insurance companies against each other.

With this data, we created a rating methodology to score each home insurance company. Our rating system is a weighted, 100-point scale based on the following factors:

  • Coverage (30): We rated home insurance companies higher if they offered the six main types of homeowner protection—dwelling, other structures, personal property, loss of use, liability, and medical payments to others coverage.
  • State availability (7.5): Companies scored higher if they covered more states than their competitors.
  • Customer service (15): This factor is based on our communications with the company representatives, as well as the companies’ claims and quotes processes, availability throughout the week, and customer service information found on their websites.
  • Technology (12.5): Technology can increase the efficiency of filing and tracking home insurance claims. Companies scored higher if they had technology options like mobile apps and online chat functions.
  • Reputation (20): We gauged trustworthiness based on years of experience and Better Business Bureau ratings.
  • Additional benefits (15): Companies that offered optional features, like discounts and endorsements, scored higher than competitors that didn’t.

The This Old House 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.

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