AARP Homeowner Insurance: Protecting Your Home and Your Financial Future

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If you’re a homeowner, protecting your biggest investment is likely at the top of your priority list. Homeowner insurance can provide that protection, but with so many options on the market, it can be overwhelming to choose the right policy for your needs. AARP homeowner insurance is a popular choice for older adults, offering a range of benefits and peace of mind. In this article, we’ll take a closer look at AARP homeowner insurance and answer some frequently asked questions to help you make the best decision for your home and your budget.

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What is AARP Homeowner Insurance?

AARP homeowner insurance is a policy designed specifically for members of the American Association of Retired Persons (AARP). AARP is a non-profit organization that focuses on providing resources and advocacy for older adults. Their homeowner insurance policy is underwritten by The Hartford, a leading provider of property and casualty insurance for over 200 years.

AARP homeowner insurance offers a wide range of coverage options, including protection for your home, personal belongings, and personal liability. Their policies also come with unique features and benefits, such as guaranteed replacement cost coverage and discounts for home safety equipment.

What Does AARP Homeowner Insurance Cover?

AARP homeowner insurance policies provide coverage for a variety of risks and perils. Here are some of the most common coverages:

Coverage
Description
Dwelling Coverage
Protects the structure of your home in the event of damage or loss due to covered perils, such as fire, wind, hail, or theft.
Personal Property
Covers your personal belongings, such as furniture, clothing, and electronics, if they are damaged, destroyed, or stolen.
Liability
Protects you in the event that you are found legally responsible for someone else’s injury or property damage on your property.
Medical Payments
Covers medical expenses for someone who is injured on your property, regardless of fault.
Loss of Use
Covers additional living expenses if your home becomes uninhabitable due to a covered loss.

What Are the Benefits of AARP Homeowner Insurance?

Here are some of the unique benefits that AARP homeowner insurance offers:

  • Guaranteed Replacement Cost Coverage: AARP homeowner insurance provides coverage up to the full replacement cost of your home, even if that cost exceeds your policy limit.
  • Discounts for Home Safety Equipment: AARP homeowner insurance offers discounts for smoke detectors, burglar alarms, and other safety equipment that can help prevent or mitigate losses.
  • 24/7 Claim Service: The Hartford has a 24/7 claim hotline to provide immediate assistance in the event of a loss.
  • Identity Theft Protection: AARP homeowner insurance includes identity theft protection coverage and resources to help you prevent and recover from identity theft.

How Much Does AARP Homeowner Insurance Cost?

The cost of AARP homeowner insurance varies depending on a variety of factors, such as the value of your home, the level of coverage you choose, and your location. However, AARP homeowner insurance policies are generally competitively priced and offer discounts that can help make them more affordable.

One of the best ways to get an accurate estimate of how much AARP homeowner insurance will cost for your specific situation is to get a quote directly from The Hartford. You can do this online, over the phone, or by working with an independent insurance agent who can help you compare policies and get the best deal.

How Can I Get AARP Homeowner Insurance?

To be eligible for AARP homeowner insurance, you must be a member of AARP. Membership is open to anyone age 50 or older, and comes with a range of benefits beyond just access to homeowner insurance. You can join AARP online or by mail, and membership fees start at $16 per year.

Once you are an AARP member, you can apply for homeowner insurance directly through The Hartford. You can get a quote and purchase a policy online, over the phone, or by working with an independent insurance agent who specializes in AARP policies.

The Bottom Line

AARP homeowner insurance can provide essential protection for your home and your financial future. With unique benefits like guaranteed replacement cost coverage and discounts for home safety equipment, it’s worth considering as a top option for older adults looking to secure their investment. To get started, become an AARP member and get a quote from The Hartford or an independent agent who specializes in AARP policies. Your home and your wallet will thank you!

FAQ

What is AARP Homeowner Insurance?

AARP homeowner insurance is a policy designed specifically for members of the American Association of Retired Persons (AARP). It provides coverage for your home, personal belongings, and personal liability, with unique benefits like guaranteed replacement cost coverage and discounts for home safety equipment.

What does AARP Homeowner Insurance cover?

AARP homeowner insurance covers your home, personal property, liability, medical payments, and loss of use, in the event of covered perils like fire, wind, hail, or theft.

How much does AARP Homeowner Insurance cost?

The cost of AARP homeowner insurance varies depending on factors like the value of your home, the level of coverage you choose, and your location. You can get an accurate estimate by getting a quote directly from The Hartford or an independent insurance agent who specializes in AARP policies.

How can I get AARP Homeowner Insurance?

To be eligible for AARP homeowner insurance, you must be a member of AARP. You can join online or by mail for as little as $16 per year. Once you’re a member, you can apply for homeowner insurance directly through The Hartford, either online, over the phone, or by working with an independent agent.

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