The Hartford Renters Insurance Review

If you’re in the market for renter’s insurance, it’s always best to purchase it sooner rather than later — and definitely before you forget. Buying renter’s insurance is a smart move if you want to protect yourself financially against losses caused by fire or other types of household damage. Fortunately, The Hartford offers inexpensive renters insurance policies, as well as the ability to get a free quote and start your policy online.

Renters insurance from The Hartford is offered in conjunction with AARP, and it comes with the same benefits most renters insurance policies offer. Not only can you get a free quote online, but you can customize your policy to meet your unique needs.



J.D. Power Rating
AM Best Rating
Standard & Poor’s
3.2 / 5.0
SimpleScore The Hartford 3.2
Discounts 3
Coverage Options 5
Customer Satisfaction 2
Support 3
Accessibility 3
  • Easy to bundle with other policies
  • Special AARP discounts
  • Offers insurance only to AARP members in some cases


Find the Best Renters Insurance

Save money on renters insurance with our simple comparison tool.

Matching you with providers.
We found results in
Click at least 2-3 companies to find the very best rate.

    Powered by (NPN: 8781838)

    America’s top-rated renters insurance

    • Policies starting at just $5/month
    • Sign up in seconds, claims paid in minutes
    • Zero hassle, zero paperwork
    In this article

      Renters insurance from The Hartford and the AARP covers a wide range of personal items and liabilities you may have, including personal property like your appliances, furniture, clothing, and electronics. Your renters insurance policy will also pay for personal liability, medical payments, property damage to others, and your living expenses if you need to find a new place to live.

      While the above types of coverage are standard within renters insurance policies from The Hartford, you do have the option to tailor your policy to meet your unique needs. You can pay more for higher liability limits, for example, or boost the total level of coverage you have for personal possessions.

      If you don’t own your home (or no longer do), but you still have plenty of prized possessions, purchasing a renters insurance policy makes sense. This coverage is very affordable nationwide, with average costs of $188 per year according to the Insurance Information Institute (III). However, your coverage could easily save you thousands of dollars if you need to file a claim someday.

      The Hartford renters insurance: key takeaways

      • Apply for a free, no obligation quote online.
      • Qualify for special discounts on your policy.
      • Cover personal belongings such as your clothing, furniture, jewelry, electronics and more.
      • Beef up your policy with special add-ons.

      The Hartford renters insurance add-ons

      The Hartford also offers several types of “add-on” coverage you can pay for to broaden the scope of your renters insurance policy. Those add-ons include:

      • ProtectorPLUS Zero Deductible Benefit: This add-on waives up to $5,000 of your deductible if you experience a loss of $27,500 or more.
      • Personal Liability Coverage: This benefit protects you against losses caused by libel or slander
      • Replacement Cost Coverage: This coverage replaces your items at their actual replacement cost instead of the actual cost value.
      • Earthquake Coverage: This coverage protects your personal possessions in the event of an earthquake.
      • Water Backup Coverage: This add-on protects your valuables in the event of a sump pump overflow or water backup.
      • Additional Insurance Riders: Also keep in mind that you can add additional insurance riders for valuables you own, such as jewelry or antiques.

      How to get a renters insurance quote from The Hartford

      Like most other large insurance companies, The Hartford makes it easy to get a free quote for one of their policies online. Keep in mind that, while the average cost of renters insurance is relatively low, the cost of your policy is heavily influenced by where you live, the type of coverage you buy, and even your credit score.

      Once you head to the company website, information you’ll need to provide to get a free quote includes:

      • Your name
      • Address of residence
      • Length of time at residence
      • Email address
      • Phone number
      • Housing information, such as the type and size of property
      • Past claims

      Once you fill out an application with The Hartford, you’ll receive an estimate of your new renter’s insurance policy along with the opportunity to tweak your coverage limits or add on additional coverage. The entire process is easy, and there’s no obligation to move forward with your quote.

      The Hartford renters insurance discounts

      Like other companies that offer renters insurance, The Hartford offers a few different ways to cut down on the cost if you’re in need of a very affordable renters insurance policy. You can opt out of any additional coverage, for example. You can also accept lower coverage rates overall, provided you think it’s enough to protect yourself and your possessions.

      The Hartford also offers a few discounts you can access if you meet their criteria. Those include:

      • Multi-policy discounts: Save up to 20% off the cost of your renter’s insurance policy by bundling it with an auto insurance policy.
      • 24-hour security credit: Save even more on your policy if your rental building offers 24-hour, in-house security.
      • Renewal discounts: The Hartford offers ongoing discounts to customers who renew their policies year after year.

      Find the Best Renters Insurance

      Save money on renters insurance with our simple comparison tool.

      Matching you with providers.
      We found results in
      Click at least 2-3 companies to find the very best rate.

        Powered by (NPN: 8781838)

        America’s top-rated renters insurance

        • Policies starting at just $5/month
        • Sign up in seconds, claims paid in minutes
        • Zero hassle, zero paperwork

        How we rate The Hartford renters insurance

        At The Simple Dollar, we aim to provide a general overview of each insurer’s products and services through a standard rating process. With that in mind, we considered policy offerings and overall customer satisfaction using J.D. Power’s 2018 U.S. Renter’s Insurance Study. We also measured financial solvency based on reports from A.M. Best., S&P, and Moody’s.



        The SimpleScore is a proprietary scoring metric we use to objectively compare products and services at The Simple Dollar.
        For every review, our editorial team:

        • Identifies five measurable aspects to compare across each brand
        • Determines the rating criteria for each aspect score
        • Averages the five aspect scores to produce a single SimpleScore™

        Here’s a breakdown of the five aspect scores and their rating criteria for our renters insurance reviews.

        Why do some brands have different SimpleScores on different pages?

        To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.

        However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.


        We awarded higher scores to insurance providers with more discounts available on their website.

        Coverage Options

        We gave providers with more renter insurance coverage options a higher score because they’re more likely to have a policy that best meets your needs.


        We awarded higher scores to renters insurance providers with the most channels for customer support.

        Customer Satisfaction

        We leveraged the J.D. Power Home Insurance Satisfaction Study℠ to see how customers rated their experience with each insurance provider. (If a provider wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)


        We awarded higher scores to insurance providers that have more online and mobile features to easily manage your policy and claims.

        Holly Johnson

        Contributing Writer

        Holly Johnson is a frugality expert and award-winning writer who is obsessed with personal finance and getting the most out of life. A lifelong resident of Indiana, she enjoys gardening, reading, and traveling the world with her husband and two children. In addition to The Simple Dollar, Holly writes for well-known publications such as U.S. News & World Report Travel, PolicyGenius, Travel Pulse, and Frugal Travel Guy. Holly also owns Club Thrifty.