Homeowners Insurance Discounts From The Hartford

couple in front yard enjoying savings from homeowners insurance discounts
J.D. & Lisa S., Customers since 2011
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Discover savings with the AARP Homeowners Insurance Program from The Hartford.
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Get a renters insurance quote from The Hartford to protect your personal belongings.
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Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.
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AARP Member Savings, Credits and Discounts for Homeowners Insurance

The AARP® Home Insurance Program from The Hartford1 rewards AARP members with several homeowners insurance discounts and benefits to help you save money on insurance.
You can save by getting a home and auto insurance bundle, installing a home security system or adding more fire protection at your house. Any one of these options will allow you to get affordable home insurance that meets your needs. The Hartford’s homeowners insurance discounts for AARP members could also benefit those with new homes. Having good credit and no previous claims may even get you more benefits or a claim-free discount on your homeowners insurance policy.
 
In addition to offering discounts, The Hartford strives to deliver the customer service you expect. Our agents are here to answer any questions you have along the way and explain the variety of home insurance options we offer. They can also help determine which discounts apply to your policy.
 
Start saving with a homeowners insurance quote today.
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AARP Home Insurance 101

Learn more about the AARP Home Insurance Program from The Hartford in this video.
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5 Ways to Get Affordable Home Insurance

Fire Protection

If you install devices like fire sprinkler systems and monitored alarms, you could get a home insurance discount.

Retiree Credits

If you work less than 24 hours a week, we can help you save money on your homeowners insurance policy.*** (Availability varies by state.)

Home Security System

Simple changes like adding burglar alarms or security systems can get you home insurance discounts.

Auto & Home Bundle

Get our AARP member car and home insurance bundle and save up to 5% on car insurance and 20% on home, condo or renters insurance.**

Claim-Free Discount

The longer you've been claims-free, the more you can save on your home insurance policy. (Availability varies by state.)

Other Ways To Get a Homeowners Insurance Discount

Learn about other discounts you may be eligible for to help you save on home insurance. Speak with one of our representatives by calling 888-413-8970 or get a quote online.
 

Common Questions About Homeowners Insurance Discounts

What Are Three Ways to Reduce Your Premium for Homeowners Insurance?

Three common ways to save on home insurance include:
 
  • Bundling your auto and home coverages through the AARP Auto and Home Insurance Program from The Hartford
  • Adding home security systems or burglar alarms
  • Installing fire protection devices, like sprinkler systems

Can I Negotiate My Home Insurance?

In general, you can’t negotiate home insurance premiums, but you can potentially reduce your rate by taking advantage of discounts for homeowners insurance.
 

Does Homeowners Insurance Go Down When My Mortgage Is Paid Off?

Typically, homeowners insurance rates don’t change after a mortgage is paid off.
 
 
Last Updated: June 22, 2023
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Homeowners Insurance in Plain English

Quick answers and easy-to-understand homeowners definitions written with you in mind.
 
To learn more, read through our homeowners insurance definitions page.

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** Automobile/Homeowners discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance Programs from The Hartford.
*** The Retiree Credit does not apply to secondary residences.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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