A GUIDE TO— Understanding Your AARP® Homeowners …

A GUIDE TO--

Understanding Your AARP? Homeowners Insurance Policy from The Hartford

WELCOME!

Thank you for choosing the AARP? Homeowners Insurance Program from The Hartford,1 the nation's trusted name in insurance protection for over 200 years. The Hartford is pleased to provide you with what we consider the finest coverage and service available, and we welcome you into The Hartford family.

HERE'S HOW TO REACH US:

Claims Hotline . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1-877-805-9918

Online Customer Service Center . . . . . . . . . . myaccount

Customer Service. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1-800-423-0567

Email Us. . . . . . . . . . . . . . . . . . . . . . AARPcustomercenter@

This entire coverage guide is provided for informational purposes only. It is not part of any policy issued by The Hartford or its affiliated insurers and is not a binding part of any insurance contract which may be applicable to you. This guide contains only general descriptions of coverage which may be provided and does not include all of the features, exclusions and conditions of the policy it describes. Certain coverages, features and credits may vary by state in accordance with our product filings and applicable law and may not be available to all policyholders. The Hartford suggests that you read your policy to determine your actual coverage. In the event of a loss, your specific policy term will determine the benefits and coverages to which you are entitled. AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use off its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in CA by Property and Casualty Insurance Company of Hartford; in WA, MI and MN, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. Home is currently unavailable in Canada and U.S. Territories or possessions. 1 In Texas, the Home Program is underwritten by Trumbull Insurance Company.

TABLE OF CONTENTS

WAYS YOU CAN SAVE. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 VALUE-ADDED BENEFITS AND MORE. . . . . . . . . . . . . . . . . . . . . . . . . 3 POLICY INFORMATION. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 CUSTOMER SERVICE OPTIONS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 REPORTING CLAIMS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 HOW TO CONTACT US . . . . . . . . . . . . . . . . . . . . . . . . . . . BACK COVER

Your policy package includes the following documents: ? A Declarations Page explaining the property that is insured and the coverages that apply ? Your Policy stating the terms and conditions of your coverage ? Any Endorsements modifying the Policy or Declarations Page

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WAYS YOU CAN SAVE

The discounts and credits currently being applied to your home policy are listed on the enclosed Declarations Page. And to help save you even more money, we also offer the following:2

Account (Bundling) Credit3 Combine your auto and home insurance policies with The Hartford and you could be eligible for additional savings on both policies. Renters may also be able to save.

Home Security or Protective Devices Credit You may qualify for discounts if you have a burglar alarm, fire alarm, sprinkler system, or a combination of these devices. Apartment and condominium owners may also be eligible if their building has 24-hour security guard services.

Retiree Credit You may be eligible for a discount if you or your spouse are both retired or work less than 24 hours a week.4

Renewal Credit Continue renewing your homeowners insurance with The Hartford and once you've been insured for four years, you'll start earning a Renewal Credit.

VALUE-ADDED BENEFITS AND MORE

VALUE-ADDED BENEFITS5

ProtectorPLUS Zero Deductible Benefit If you experience a qualifying loss of $25,000 or more, The Hartford will waive up to $5,000 of your Coverage A deductible. This benefit does not apply to special deductibles such as hurricane, earthquake, coal mine subsidence, special wind/hail or optional special theft deductibles.

Extended Replacement Cost Coverage If something should happen to your home and it becomes a total loss, The Hartford will pay to fully rebuild it, even if it costs up to 150% of your Coverage A applicable limits.6 If included on your policy, this coverage will be listed under Endorsements as "Additional Limits of Liability Coverage A, B, C, D." It may also be called Replacement Cost Dwelling coverage.6

Replacement Cost Coverage for Your Belongings Sometimes referred to as New-for-Old Protection7, this benefit enables you to replace your damaged or stolen belongings with similar new items of equal quality at today's prices, regardless of the age of the item. If included on your policy, this coverage will be listed under Endorsements as "Personal Property Replacement Cost7."

Replacement Plus Coverage This patented8 coverage reimburses you (after a covered loss) for extra costs to upgrade a kitchen or bathroom with universal design features that can make a home easier to live in for everyone regardless of age, size or physical ability. Universal design includes features like a single lever faucet that doesn't require twisting or grasping to operate and cabinets with convenient drawers for easy access. Coverage amounts of $1,000, $2,500 or $5,000 are available.

2 Availability of the following homeowners discounts and credits may vary by state and/or by the specific homeowners policy plan purchased.

3 Automobile/homeowners discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance Programs from The Hartford. The homeowners product is not available in all areas, including the state of Florida.

4 Does not apply to secondary residences.

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5Availability of homeowners features and benefits may vary by state and/or by the specific homeowners policy plan purchased. 6Benefits vary by state and according to your policy plan. 7Some benefits, such as Contents Replacement Coverage, are only available with the Optional Home Advantage Plus package. A policy without these added benefits is also available. 8Covered by U.S. Patent No. 9,830,661.

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VALUE-ADDED BENEFITS AND MORE (CONTINUED)

WAYS TO CUSTOMIZE YOUR COVERAGE

Special Protection Packages Your homeowners policy already protects you against loss of valuables, such as jewelry, silverware, even credit cards. But, like many AARP members, you may have even more to protect.

That's why The Hartford offers several packages that bundle together additional coverages at a cost often less than the cost of purchasing them individually.

Customized Protection for Valuables If your needs are specifically to protect valuables such as jewelry, furs, silverware, antiques, sports equipment, fine art and more, The Hartford can offer you coverage options for these items as well.

For example, you may choose a "Blanket Plan"--an easy, convenient way to protect certain higher-valued possessions without scheduling or appraisals. Or, you can choose "Scheduled" Personal Property coverage for more customized coverage. (Receipts and/or recent appraisals may be required.)

Water Backup and Sump Pump Discharge/Overflow Coverage9 Your basic homeowners policy does not provide coverage for damages caused by or related to water backup through sewers or drains, or from sump pump failure. To add this optional coverage to your policy, contact Customer Service.

Home-Based Business Coverage If you conduct business out of your home, we offer coverage to fully protect you from liability and equipment breakdown.

To request a quote for an AARP Home Business Insurance Plan, call 1-888-466-9675, Monday?Friday, 8:00 a.m.?8:00 p.m. Eastern Time. Or visit aarp.homebusiness

POLICY INFORMATION

BILLING AND PAYMENT OPTIONS The Hartford gives you the flexibility to manage your billing and payments in a way that works best for your needs.

Online Bill and Payment Options Register at myaccount to:

? Choose eDelivery and be notified by email when a bill is available for viewing and payment

? Make a fast, easy payment by credit card or a one-time withdrawal from a bank account

? Sign up for AutoPay to make automatic payments by credit card or directly from a checking or savings account

Additional Bill, Installment and Payment Options10 ? Bill-by-Mail ? You'll receive paper bills by U.S. Mail. You can

choose how often you receive your bill and make payments. ? Monthly Automatic Bill/Payment ? We divide your policy

premium into monthly payments, which are automatically withdrawn monthly from a credit card, checking or savings account on a date you select. Installment fees may apply to some payment options.

HOW TO PAY YOUR BILL ? Online ? Register at myaccount. You can make a payment using a credit card or a one-time withdrawal from a checking or savings account. You can also enroll in monthly automatic payments online at any time. (See the Online Bill and Payment Options section above.) ? Phone ? Call The Hartford at 1-800-423-0567 24/7 and choose the Billing option. ? Mail ? Send a check with the payment stub to the address listed on your bill.

9 Does not provide coverage for water damage caused by direct or indirect flooding. Also does not provide coverage for water backup of sewers or drain, or overflow or discharge of a sump pump if it's caused by flooding.

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10 In most states, an installment fee applies to installment payments.

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POLICY INFORMATION (CONTINUED) LATE PAYMENT FEES

To assure continuous coverage, always make sure we receive the minimum amount due on your bill by the date shown. If not, a late payment fee will be assessed.11 BILLING QUESTIONS?

? Visit the Online Customer Service Center at myaccount

? Call our Automated Account Manager at 1-800-423-0567 (choose the Billing option)

? For more personalized assistance, talk to a Hartford Customer Care representative at 1-800-423-0567

11 Fee may vary depending on state filings and applicable law.

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CUSTOMER SERVICE OPTIONS

Whether it's a change to your policy, a question about your coverage, or making a claim, The Hartford offers a variety of ways to take advantage of our great customer service.

CUSTOMER SERVICE OPTIONS Visit our Online Customer Service Center: myaccount It's easy to manage your policy with our Online Customer Service Center. If you haven't already signed up, register now to:

? View and print policy documents

? Enroll in eDelivery instead of getting documents in the mail

? Make a payment or enroll in AutoPay

? Submit or track a claim

You can also accomplish all this through your tablet or smartphone by using our mobile app.

Call Hartford Customer Care at 1-800-423-0567 Some questions or policy changes are best handled by speaking with one of our highly trained Customer Care representatives. Just call 1-800-423-0567. They are available Monday?Friday, 7:00 a.m. to 11:00 p.m. Eastern Time, or Saturday and Sunday, 8:00 a.m. to 6:00 p.m. Eastern Time.

Email AARPCustomerCenter@

WHEN TO REQUEST A COVERAGE REVIEW To make sure your homeowners coverage keeps pace with changes to your home, your belongings or your living situation in general, be sure to contact us for a periodic coverage review. Here are some examples of when you should consider this:

? Adding on to your current home, or building a separate structure such as a garage or pool

? Renovating a room, especially a kitchen or bathroom

? Acquiring high-value items such as jewelry, antiques, art, furs or silverware

You should also check your coverage when you no longer live full-time in the home insured through this Program, or if you start renting your home.

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