AARP Recommendations for Home and Auto Insurance

AARP's Approach to Home and Auto Insurance

AARP does not sell insurance directly but partners with select carriers to offer members discounted rates and tailored policies. The organization evaluates insurers based on financial strength, customer service, claims handling, and member satisfaction, then recommends those that meet its standards. For auto coverage, AARP prioritizes companies that offer flexible payment options, accident forgiveness, and safe-driving discounts. For home insurance, the focus shifts to replacement cost coverage, natural disaster protections, and bundling incentives. Members should always confirm current partners on the AARP website, as carrier relationships can change.

Auto Insurance Recommendations and What to Verify

AARP has historically highlighted insurers such as Auto-Owners Insurance, New Jersey Manufacturers, and USAA for auto coverage, though availability varies by state. When reviewing AARP's recommended auto carriers, check whether the company offers:

• Multi-policy discounts for bundling home and auto
• Safe driver and defensive driving course reductions
• Rental car reimbursement and roadside assistance
• Gap coverage options for newer vehicles

Request quotes from at least two AARP-partnered carriers and compare liability limits, deductibles, and optional add-ons. The cheapest premium may not provide the best protection if coverage gaps exist.

Home Insurance Recommendations

For homeowners, AARP has pointed members toward carriers like auto-owners, NJM, and certain regional providers known for strong claims experiences. AARP's home insurance evaluations typically consider:

• Replacement cost coverage versus actual cash value
• Endorsements for water backup, sewer, and sump overflow
• Guaranteed replacement cost or extended replacement limits
• Premium discounts for impact-resistant roofing or updated systems

Review the policy's exclusions carefully, especially for earthquake, flood, and high-value personal property, which often require separate endorsements or standalone policies.

How to Use AARP's Recommendations

Begin by confirming your AARP membership status, since partner discounts require enrollment. Next, gather your current policy declarations and compare them against the recommended carriers' offerings. Pay attention to the claims process: look for 24/7 support, local adjuster availability, and digital filing options. AARP member reviews can provide qualitative insights, but verify complaint ratios through your state's department of insurance before committing. Finally, reassess coverage annually, particularly after major life changes like purchasing a vehicle or renovating a home.