Is Hartford only for AARP members?

No, Hartford is not only for AARP members, though its well-known home and auto program is offered through an AARP relationship and is aimed largely at the 50-and-over crowd. The AARP-branded personal lines product does generally ask that you be an AARP member, but The Hartford, available through Olive Cover, also writes a broad range of business insurance for Georgia companies that has nothing to do with AARP membership.

On the personal side, the AARP program is designed around the needs of older drivers and homeowners, with features like lifetime renewability and benefits suited to mature households. Membership in AARP is inexpensive and open to people 50 and up, so the requirement is a low bar rather than a true barrier.

On the commercial side, Hartford is a major small-business insurer offering workers compensation, business owners policies, and more, with no membership of any kind required.

For example, a 58-year-old couple in Marietta joins AARP for a small annual fee and qualifies for Hartford’s home and auto program, while their adult daughter insures her bakery with a Hartford business owners policy entirely separate from AARP.

Whether Hartford fits your situation depends on your age, household, and whether the need is personal or business. We can check both sides for you, including a business owners policy, with a free coverage review at our coverage review page.