Limited Access

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What Does Limited Access Mean?

You probably see the words “limited access” every day, like limited access to Wi-Fi or a limited-access location. But, you may wonder what it means when it comes to homeowners insurance.
 
The limited access definition for home insurance refers to a limited-access residence or building. These places are typically:
 
  • Within a gated or fenced community
  • Protected 24/7 by security guards who monitor all entrances and exits or regularly patrol the premises
  • Securely locked

How Does Limited Access Impact Homeowners Insurance?

limited accessHaving a limited access home can affect your homeowners insurance cost. These homes and buildings are typically safer because they’re monitored by security and you need permission to access them. This around-the-clock protection can lower your homeowners insurance cost.
 
Don’t forget, the benefits of a limited access residence don’t just apply to a house. If you’re looking for renters insurance or condo insurance, a limited access building can also lower your cost.
 
When you get a home insurance quote, insurers look at several factors, including:
 
  • Location
  • Fire protection
  • Building features, like its size and age
Some insurers may also offer home insurance discounts for making improvements that can reduce your risk of homeowners insurance claims. For example, you may qualify for a credit if you install a security alarm system.
 

Examples of Limited Access Applied to Homeowners Insurance

Let’s say you live in a house within a gated community where there’s a security guard at each entry point. When you get a homeowners insurance quote, these safety features of your limited access home can lower your policy cost.
 
On the other hand, if you own a home in a regular neighborhood that’s not considered limited access, you would not qualify for this credit.
 
It’s important to remember there’s no one-size-fits-all approach to home insurance because every homeowner is unique. We understand that, and our team is here to help you.
 
We created a glossary to help you better understand insurance terms you may see in your policy. Our specialists can help you find the right coverages for your home. Get a homeowners insurance quote today and learn how we can help protect you and your home every step of the way.
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.
 
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