Are you looking for reliable insurance coverage that meets your specific needs and budget? AARP Insurance could be the right choice for you. Insured by The Hartford, the AARP Insurance program provides affordable and comprehensive coverage for individuals aged 50 and over.
Read on to learn more about AARP Insurance, including its benefits, coverage options, and frequently asked questions.
What is AARP Insurance?
AARP Insurance is a program that offers various types of insurance coverage to members of the American Association of Retired Persons (AARP) and their families. The program is administered by The Hartford, a leading provider of insurance products and services in the United States.
The AARP Insurance program includes several types of coverage, including:
Insurance Type |
Coverage Options |
|---|---|
Auto Insurance |
Liability, collision, comprehensive, personal injury protection, uninsured/underinsured motorists, and more. |
Homeowners Insurance |
Property damage, personal liability, guest medical protection, identity theft, and more. |
Renters Insurance |
Personal property, liability, guest medical protection, and more. |
Condo Insurance |
Property damage, liability, loss assessment, and more. |
Boat Insurance |
Liability, physical damage, medical payments, and more. |
Umbrella Insurance |
Additional liability protection beyond your other policies. |
What are the Benefits of AARP Insurance?
There are several benefits to choosing AARP Insurance, including:
Discounts
AARP Insurance offers various discounts that could help you save on your premiums. For example, you may be eligible for a discount if you bundle multiple policies, take a defensive driving course, or have certain safety features in your car or home.
Special Features
The AARP Insurance program includes several special features that could provide extra protection and convenience. For example, the Auto Insurance program offers new car replacement, lifetime renewability, and 24/7 claim service. The homeowners and renters programs offer identity theft protection and personal property replacement cost coverage.
Financial Strength
The Hartford, the company that administers the AARP Insurance program, has strong financial ratings from independent rating agencies like A.M. Best and Moody’s. This means that the company is financially stable and has the ability to pay claims.
Excellent Customer Service
The Hartford has a reputation for providing excellent customer service, with high ratings on customer satisfaction surveys and a dedicated claims team that is available to assist you 24/7.
What Coverage Options are Available?
The AARP Insurance program offers various coverage options for each type of policy. Here are some details about each type of coverage:
Auto Insurance
The Auto Insurance program offers several types of coverage, including:
Liability Coverage
This coverage pays for bodily injury and property damage expenses if you are at fault in an accident.
Collision Coverage
This coverage pays for damage to your vehicle if you hit another car or object.
Comprehensive Coverage
This coverage pays for damage to your car that is not caused by a collision, such as theft, vandalism, or natural disasters.
Personal Injury Protection
This coverage pays for medical expenses and lost wages if you or your passengers are injured in an accident, regardless of who is at fault.
Uninsured/Underinsured Motorists Coverage
This coverage pays for expenses if you are hit by a driver who does not have enough insurance to cover your damages.
Homeowners Insurance
The Homeowners Insurance program offers several types of coverage, including:
Property Damage
This coverage pays for damage to your home and other structures on your property caused by covered perils, such as fire, wind, or theft.
Personal Liability
This coverage pays for legal expenses if someone is injured on your property or if you damage someone else’s property.
Guest Medical Protection
This coverage pays for medical expenses if a guest is injured on your property, regardless of who is at fault.
Identity Theft
This coverage provides assistance and reimbursement for expenses related to identity theft, such as credit monitoring or legal counsel.
Renters Insurance
The Renters Insurance program offers several types of coverage, including:
Personal Property
This coverage pays for damage or loss of your personal property caused by covered perils, such as theft, fire, or water damage.
Liability
This coverage pays for legal expenses if someone is injured on your rental property or if you damage someone else’s property.
Guest Medical Protection
This coverage pays for medical expenses if a guest is injured on your rental property, regardless of who is at fault.
Condo Insurance
The Condo Insurance program offers several types of coverage, including:
Property Damage
This coverage pays for damage to your condo unit and any common areas caused by covered perils, such as fire, wind, or theft.
Liability
This coverage pays for legal expenses if someone is injured on your property or if you damage someone else’s property.
Loss Assessment
This coverage pays for your share of the cost when the condo association assesses fees for damages or other expenses that are not covered by the association’s insurance.
Boat Insurance
The Boat Insurance program offers several types of coverage, including:
Liability
This coverage pays for bodily injury and property damage expenses if you are at fault in an accident on the water.
Physical Damage
This coverage pays for damage to your boat caused by covered perils, such as collision, theft, or fire.
Medical Payments
This coverage pays for medical expenses if you or your passengers are injured in an accident on the water.
Umbrella Insurance
The Umbrella Insurance program provides additional liability protection beyond what is covered by your other policies. It could help protect your assets and future earnings in case of a lawsuit.
FAQs
Who is eligible for AARP Insurance?
AARP Insurance is available to members of the American Association of Retired Persons (AARP) and their families, as well as non-members who are aged 50 and over.
How do I get a quote for AARP Insurance?
You can get a quote for AARP Insurance by visiting The Hartford’s website, calling their toll-free number, or contacting an authorized agent in your area.
Premiums for AARP Insurance are calculated based on several factors, including your age, location, driving record, credit history, and type of coverage. You may be eligible for discounts that could help lower your premiums.
How do I file a claim with AARP Insurance?
You can file a claim with AARP Insurance by calling their toll-free claims number or reporting the claim online. The claims team will guide you through the process and keep you updated on the status of your claim.
What is the maximum liability coverage limit for AARP Insurance?
The maximum liability coverage limit for AARP Insurance varies based on the type of policy and state laws. In general, the program offers higher liability limits than the minimum required by state laws.
Overall, AARP Insurance could be a great option for individuals aged 50 and over who are looking for affordable and comprehensive insurance coverage. With a variety of coverage options, discounts, and special features, AARP Insurance could help protect you and your assets in case of unexpected events.