AARP Home Insurance

The AARP, which is an acronym for the Association of Retired Persons is a membership club that provides information, discounts, resources and support to people over the age of 50.  Age is the only requirement along with the membership fee, so members do not actually have to be retired to join.  Membership is very inexpensive, costing between $7 and $15 per year and with the discounts you can receive on a variety of goods and services it pays for itself very quickly.

Discount Home Insurance

One of the available discounts is on various types of insurance, including AARP home insurance.  The insurance is offered through the Hartford and offers special rates to AARP members.  The Hartford has been insuring AARP members for over 20 years.  This insurance is guaranteed not to be denied once the members have actively held the insurance for six months so the fear of being canceled due to age discrimination is removed.  There are many people over the age of 50 who live on a fixed income, so the availability of discounted insurance is a great benefit for them.

There are many other advantages of this type of insurance plan as well.  The plan will cover members for the actual replacement value of the home and it’s contents.  There are some plans that only give the current estimated value, so if your television is 5 years old, they offer you the depreciated value, which will certainly not buy you a new television especially with the added costs of inflation.  Having the security of knowing that if disaster were to strike, everything you own would be replaced can make the idea a little less scary.

How to Save Even More

While this insurance plan offers members a better than average deal, there are still ways to save even more money.  Some of the additional ways to save include:

• Multiple account discounts:  By insuring both their car and home through the plan, members will save an extra 15% on their home insurance and an additional 10% on their auto insurance.
• Upgrading security: Member can save an additional 20% by installing both burglar alarms and a sprinkler system for fires.
• Adding dead bolt locks:  Even a small change such as this increases safety, discourages theft and gives members up to an additional 2% discount on their home insurance.
• Remaining loyal: By continuing to renew their coverage each year, members can save even more.

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