What AARP Offers for Insurance Bundles
AARP's insurance offerings focus on health, travel, and financial products. The organization itself does not sell auto or home policies, but it partners with selected insurers to provide discounted rates for members. These partnerships are typically limited to specific product lines and do not automatically bundle auto and home coverage together.
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Partners That Provide Auto and Home Coverage
Several insurers listed on AARP's website offer both auto and home policies to members. Examples include:
- State Farm – provides auto and homeowners insurance with a member discount but requires separate applications.
- Allstate – offers combined auto and homeowners policies for AARP members with a modest rate reduction.
- USAA – not an AARP partner but a comparable program for military families, often cited by seniors for bundled coverage.
To confirm current partners, seniors should visit the AARP Insurance page and review the list of participating carriers.
How to Bundle Your Policies
Bundling requires selecting the same insurer for both policies. AARP's website lists carriers that support dual coverage, but the discount varies by state and individual risk factors. Seniors should:
- Contact the insurer's senior‑services department for bundle eligibility.
- Request a quote that includes both auto and home lines.
- Compare the combined premium to separate quotes from non‑bundled carriers.
Eligibility and Application Process
Eligibility is based on AARP membership, age (typically 50+), and residency in the insurer's service area. The application process is similar to standard insurance enrollment: provide vehicle details, property information, driving record, and claim history. AARP members receive a unique member ID that can be used to claim discounts.
Where to Find Updated Information
Because partner lists and discount structures change, seniors should check the AARP website's insurance section quarterly. Contacting AARP's customer service can clarify which insurers currently offer bundled options and what the exact savings are.