About AARP Car and Home Insurance

Since its foundation in 1958, the AARP has been offering insurance discounts and other services to its members. Some of the most important benefits offered to members are automobile and homeowners insurance policies. AARP works closely with its partner, The Hartford Group, to make this possible.

History

AARP was founded in 1947 as the National Retired Teachers Association. Over the years, it expanded its membership to include nonteachers and eventually became the American Association of Retired Persons. AARP functions as a politically neutral advocacy group for its members.

History

The Hartford Group has been in business for about 200 years and offers a variety of insurance and financial security products. As part of the AARP automobile-coverage package, Hartford offers several additional discounts, including multicar and anti-theft device discounts. Homeowners insurance discounts are available as well.

Function

The Hartford's automobile insurance is intended for the coverage of four-wheeled passenger vehicles that the policy-holder uses as his primary mode of transportation. There are several different types of automobile insurance policies.
Liability protects the occupant of another vehicle if the policy-holder is found to be at fault in an accident.
Collision insurance coverage protects the policy-holder, and any passengers in the vehicle, in the event of an accident.
Comprehensive coverage protects the vehicle in case of theft, damage or other loss of service when the vehicle is not in motion.
Uninsured and under-insured coverage protects the policy-holder in the even that an uninsured motorist, or someone with inadequate insurance, is found to be at fault in an accident.

Function

Homeowners insurance protects property and valuables in the event of damage or theft. Accidents such as fire or vandalism, as well as burglary of the property, are covered. Homeowner's insurance also covers legal costs and the price of any judgment against the policy-holder in the event of a legal proceeding. Finally, homeowners insurance covers the medical bills of a person is injured on the policy-holder's property.

Warning

Homeowners insurance does not cover flood or earthquake damage by default. A house damaged by either of these events, as well as other "acts of God," or war, will not be covered under an average homeowner's policy without a specific "rider." Each region in the United States is subject to different rider conditions.

Resources

• AARP insurance website
• The Hartford website
• The Hartford's AARP insurance programs website

[MidniteWriter]

on 12/27/2008 Good info, I did not know about this before.