AARP does not sell homeowners insurance directly, but it offers information about policies and connects members with insurers

AARP itself is not an insurance company and does not underwrite or issue homeowners policies. Instead, AARP provides educational resources about homeowners insurance and has partnerships with insurance carriers that offer policies to AARP members. When you see "AARP homeowners insurance," you are looking at a policy sold by a partner company — not by AARP — but marketed to AARP members, often with member discounts.

The distinction matters because it shapes how you buy, what coverage you get, and who handles your claim. AARP is the middleman connecting you to the actual insurer, not the company holding your policy.

Key Takeaways

  • AARP partners with insurance companies to offer homeowners policies to members, but AARP does not sell the insurance itself.
  • Partner insurers vary by state, so the companies available to you depend on where you live.
  • AARP member discounts are negotiated with each partner company and differ by insurer and location.
  • You can compare AARP partner policies against other insurers to understand whether the member discount saves you money on your specific home.
  • AARP also publishes guides on homeowners insurance coverage types, deductibles, and how to file a claim.

How AARP's insurance partnerships work

AARP has agreements with insurance carriers in different states. When you contact AARP about homeowners insurance, they direct you to one of these partner companies. The partner company quotes you a rate, issues the policy if you decide to buy, and handles your claims if something happens to your home.

AARP does not process your process, collect your premium, or investigate your claim. Those tasks belong to the insurance company. AARP's role is to negotiate member discounts with insurers and provide information about how homeowners insurance works.

The partner companies available to you depend on your state and sometimes your county. Not every insurer partners with AARP in every state, so the options you see may differ from what a neighbor in another state can access.

Which insurance companies partner with AARP

AARP's partner insurers change over time and vary by location. Common partners have included companies like The Hartford, Nationwide, and State Farm in some states, but you should not assume any particular insurer is available in your area without checking.

To find out which companies AARP partners with where you live, visit AARP's insurance page or call AARP directly. They will tell you which insurers serve your state and can connect you with quotes. You can then compare those quotes against policies from other companies not partnered with AARP.

Some states have fewer partner options than others, and some rural areas may have limited availability. If you live in a high-risk area — such as a flood zone or a region prone to hurricanes — your options may be narrower still.

What discounts AARP members typically receive

AARP negotiates discounts with each partner insurer, but the size of the discount varies. One company might offer 10 percent off for AARP members in your state, while another offers 15 percent, or the discount might be smaller. The discount also depends on the type of coverage you choose and your home's characteristics.

Discounts are not automatic. You must mention that you are an AARP member when you get a quote, and the insurer will explore the member rate if you are may be able to access. Some insurers also offer additional discounts — for example, bundling homeowners and auto insurance, installing a security system, or being claim-free for several years.

The best way to know whether an AARP member discount saves you money is to get a quote from an AARP partner and compare it to quotes from at least two other insurers. A 10 percent discount on a high quote may still cost more than a lower quote from a non-partner company.

How to get a quote through AARP

You can request homeowners insurance information through AARP's website or by phone. AARP will ask for basic details about your home — its age, size, construction type, and location — and then connect you with a partner insurer in your state.

The insurer will contact you with a quote. You are not obligated to buy. You can take the quote, compare it to other insurers, and decide whether the AARP member discount and coverage options make sense for your situation.

Keep in mind that getting a quote usually triggers a soft inquiry into your credit and claims history, which does not affect your credit score. If you decide to buy, the insurer will conduct a more detailed underwriting process and may order a home inspection.

AARP's educational resources on homeowners insurance

Beyond connecting you with insurers, AARP publishes guides explaining what homeowners insurance covers, the difference between actual cash value and replacement cost, how deductibles work, and what factors affect your premium. These resources are free and do not require you to buy anything.

AARP also offers information about special situations — such as insuring an older home, a home in a flood zone, or a vacation property. Their guides can help you understand what coverage you actually need before you talk to an insurer, so you ask better questions and compare quotes more effectively.

You can find these resources on AARP's website without logging in or providing personal information. They are designed to help you make an informed decision, whether you end up buying through an AARP partner or elsewhere.

When AARP insurance partnerships may not be your best option

If you live in a state where AARP has few partner insurers, or if your home is in a high-risk category, you might find better rates or more options through independent agents or direct insurers. Some companies specialize in older homes, flood-prone properties, or other niches that standard insurers avoid.

If you have had claims in the past or have a poor credit score, some AARP partners may decline to quote you, while other insurers might still offer coverage. Shopping beyond AARP's partners gives you access to a wider market.

The AARP member discount is real, but it is not a reason to buy a policy that does not fit your home or your budget. Use AARP's information and partner quotes as one part of your shopping process, not the only part.

Frequently Asked Questions

Can I buy homeowners insurance directly from AARP?

No. AARP does not issue or sell insurance policies. You buy from the partner insurance company, not from AARP. AARP provides information and connects you with insurers that offer member discounts.

Do I have to be an AARP member to get a quote from AARP's insurance partners?

Yes. AARP's partner insurers offer discounted rates only to AARP members. You must have an active AARP membership to receive the member rate. Non-members can get quotes from the same insurers, but at standard rates without the discount.

What if I am not satisfied with the quotes from AARP partners?

You are free to shop elsewhere. Compare AARP partner quotes to quotes from other insurers — both large national companies and smaller regional ones. Some insurers do not partner with AARP but may offer better rates or coverage for your specific situation.

Does AARP handle my claim if something happens to my home?

No. The insurance company you bought the policy from handles your claim. AARP does not process claims or investigate losses. You will work directly with the insurer's claims department.

Are AARP member discounts the same in every state?

No. Discounts vary by state, by insurer, and sometimes by county. The partner companies available to you also differ by location. Check AARP's website or call to find out what discounts and insurers are available where you live.