AARP Homeowners Insurance

AARP or the American Association of Retired Persons provides several different benefits and discounts to members. One of the most popular products offered by the association is AARP homeowners insurance. Membership is granted to those who are 50 years of age and older for a fee of $12.50 each year. Anyone who is a member of the organization qualifies for homeowners insurance through the AARP.

AARP provides various homeowners insurance packages provided by The Hartford Company. Those considering purchasing homeowners insurance through AARP should take the time to review the various packages that are offered before choosing a specific policy. Policies offer various features such as lifetime renewability and full value replacement cost coverage. It is important to note that like most homeowners insurance policies, AARP homeowners insurance does not typically provide flood coverage so additional coverage will be needed if you live in an area that is prone to flooding.

The actual amount of coverage that members can receive will often vary from state to state. Most states however provide home replacement coverage, earthquake and flood protection, property coverage, fire insurance and specific policies for those who own home based businesses. Keep in mind that specific coverage may not be available in all areas so be certain that you speak with an AARP representative to see which coverage is provided in your specific area.

You will want to receive a quote for your AARP homeowners insurance. To obtain a quote you can call the toll free number that is provided on the official website or head to the website and get your quote online. Before you can receive a quote for your homeowners insurance you will need to gather a bit of information about you, your home and your current homeowner’s policy. You will need to provide your contact information as well as the name of your current homeowner’s insurance company, the amount of your current premium and the date that your policy will expire. You will also need the address of your home, your residential information, the type of your home and specific information about the structure of your home. This will include when your home was built, the type of roof on your home and the total square footage of your home.

You may need to answer additional questions about your home as well. Be prepared when obtaining your quote to ensure that you have all the information that you need. It is important to be very accurate when you obtain your quote in order to get an accurate premium rate for your insurance policy. Again, AARP homeowners insurance does not include flood insurance unless you have a specific rider on your policy for this protection. If you live in flood prone areas then flood insurance is very important. It should be considered even if you do not live in flood prone areas just in case you experience bursting pipes or other water damage. Flood insurance through the AARP homeowner’s insurance program is typically provided by the Hartford Company which is a member of the National Flood Insurance Program.

It is always a good idea to compare rates when choosing insurance. Take your time and look at the various policies offered by the AARP and choose the one that best suits your coverage needs as well as your budget needs. It is recommended that you receive no less than three quotes from various agencies when choosing a new insurance policy. Take your time and do your research in order to receive the lowest quote with the best possible coverage. Comparing rates allows you to protect your home for a lower rate and still provide the protection that you need against theft, fire and other damage.

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  1. Just purchased a Townhouse (cash) in the 33461 area code and would like Insurance quotes. My HOA covers the outer structure of the house. I am interested in Flooding/Fire and property and quotes on Hurricane Insurance) I "closed" on February 17th/2011 and still awaiting my Title.

    Ivars Talalass