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The Hartford began as a fire insurance company in 1810, so it has a longstanding reputation of insuring U.S. customers. Affiliated with AARP, the Hartford is a Fortune 500 company that offers home, business, and auto insurance policies through a pool of independent agents.

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The Good

  • Basic Coverage Features
  • Lifetime Repair
  • AARP Membership Benefits

Basic Coverage Features

The Hartford offers RV insurance policies that cover most states’ legal minimums:

  • Collision insurance
  • Bodily injury liability
  • Medical payments coverage
  • Property damage liability

Lifetime Repair

An RV owner whose motorhome is damaged in an accident can take their vehicle to an authorized RV specialist shop for repair. The workmanship has a quality guarantee for as long as you own the vehicle.

AARP Membership Benefits

The Hartford focuses on serving senior drivers, particularly AARP members. While nonmembers can insure through The Hartford, AARP members receive added benefits such as RecoverCare, which provides up to $2,500 assistance when you are injured in a car accident.

The Bad

  • Limited Online Information
  • Limited Options

Limited Online Information

Customers will have to provide their information for a quote if they want details on premiums and customizable policy options such as the potential for vacation liability and pet coverage, as well as a detailed list of the Hartford’s discounts.

Limited Options

The Hartford provides coverage similar to car insurance with collision damage, bodily injury, property damage, and medical payments coverage. However, the company’s policies lack some of the options other RV insurance companies offer. This will particularly apply to non-AARP members, who will not receive the same benefits as members.

The Bottom Line

Because of its membership discounts and benefits, AARP members should consider the Hartford when they’re seeking an RV insurance policy. However, RV owners seeking a more customizable plan might prefer to insure through another company with different supplemental coverage options.


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