The Hartford at a Glance
Our score: 4.5 out of 5 stars
Year based: 1810
AM Best score: A+*
J.D. Power score: 839 out of 1,000
State availability: 37 (excludes Alabama, Alaska, Delaware, Florida, Idaho, Iowa, Mississippi, Montana, Nebraska, North Dakota, Rhode Island, South Dakota, Wyoming and Washington, D.C.)
*AM Best score is correct as of July 2023.
The Hartford Policy Coverage
The Hartford affords customizable insurance coverage protection for householders, with various choices for protection limits and deductibles. Once you obtain an internet quote, you’ll be able to regulate protection ranges — inside predefined limits — to satisfy your wants and finances. The Hartford’s householders insurance coverage insurance policies present the next customary protection choices:
- Dwelling: This kind of protection pays for injury to your home and connected buildings, comparable to your storage and roof. It additionally covers injury to your electrical, plumbing and HVAC methods. It will solely pay for repairs or replacements for coated perils. Like different householders insurance coverage firms, The Hartford pays for structural injury because of wind, smoke, hearth, falling objects, vandalism or theft. Most customary home insurance coverage insurance policies don’t cowl flood or earthquake injury.
- Other buildings: If your home’s property incorporates indifferent buildings, comparable to a storage or barn, The Hartford pays for injury because of coated perils.
- Personal property: HO-3 insurance coverage merchandise cowl your private belongings, whether or not inside or exterior your home. Personal property contains objects comparable to clothes, furnishings, decorations, electronics, home equipment and houseware. Hartford allocates 70% of dwelling protection to your belongings, however it’s possible you’ll want extra protection to pay for every thing in your home if you happen to expertise a complete loss. As an additional benefit, The Hartford contains substitute cost safety for private property with all house owner insurance policies.
- Loss of use: If a coated peril causes your home to change into unlivable, home insurance coverage might help pay for added dwelling bills if that you must relocate to a lodge or rental whereas your home is repaired or rebuilt.
- Personal legal responsibility: Liability protection affords safety if somebody recordsdata a private harm lawsuit towards you for accidents sustained in your property. The Hartford’s private legal responsibility insurance coverage pays authorized charges and court-awarded damages as much as your coverage limits.
- Medical funds: When a non-household member sustains accidents in your property, a normal coverage contains medical expense protection as much as your coverage limits. It can even pay for accidents brought on by your pet(s), no matter whether or not they happen in your property.
Additional Coverage
A typical householders insurance coverage coverage won’t present sufficient monetary safety for the dangers you face or the property you personal. Hartford affords quite a few add-ons, permitting you to tailor protection to fit your particular necessities.
- ProtectorPLUS Zero Deductible: This protection can shield you in case your home sustains damages exceeding $27,500 from a coated peril. ProtectorPlus waives the deductible — as much as $5,000 — for qualifying damages.
- Additional limits: Additional limits safety pays as much as 125% (or as much as 150% in some areas) of coverage limits to cowl the cost of rebuilding your home if you happen to expertise a complete loss from a coated peril.
- Disappearing deductible: This add-on lowers your deductible if you happen to stay claims-free for 3 years.
- Green rebuilding: This endorsement raises your coverage limits by as a lot as 10% if you use accredited environmentally pleasant supplies to rebuild or restore coated damages.
- Water backup and sump pump overflow: The safety pays for damages from a backed-up or overflowing sump pump. However, it received’t cowl injury from floor water or flooding.
- Identity theft safety: If you’re a sufferer of identification fraud or theft, this extra protection helps you recuperate out-of-pocket bills.
- Equipment breakdown: This add-on will change or restore tools that breaks down from causes aside from regular put on and tear.
- Scheduled property: If the cost to switch your belongings exceeds customary coverage limits, this endorsement ensures you obtain 100% of the worth of recognized private property.
- Lock substitute reimbursement: This protection pays as much as $500 if that you must change the locks in your home or different buildings.
- Valuable objects blanket: The Hartford pays as much as $10,000 per merchandise for valuables comparable to jewellery and artwork that’s stolen, broken or misplaced.
- Replacement plus: If you rebuild your kitchen or rest room to satisfy Universal Design requirements, this endorsement pays additional that will help you cowl the prices.
Flood Insurance
If you need flood insurance coverage, you will have to acquire a separate coverage. Many insurance coverage suppliers supply protection via the National Flood Insurance Program (NFIP), together with The Hartford.
Unlike different householders insurance policies, all firms offering NFIP protection cost charges established by the federal authorities. Though your premium could fluctuate based mostly on the place you reside, your flood threat and your home’s traits, your fee is not going to change regardless of which supplier you select.
You don’t must dwell close to water to learn from flood safety. Between 1996 and 2019, 99% of counties within the U.S. skilled a big flooding occasion. Even California, which experiences extreme droughts, was inundated with 12 atmospheric rivers between December 2022 and May 2023. Most counties within the U.S. are eligible for NFIP protection.
We advocate acquiring a quote to estimate the cost of NFIP flood insurance coverage insurance policies in your space.
Cost of The Hartford Home Insurance
According to data from Quadrant Data Services, the common annual cost of home insurance coverage with The Hartford is $2,495 for a coverage with $300,000 in dwelling protection. However, the value you pay could fluctuate. Providers contemplate a number of components when figuring out householders insurance coverage charges, together with:
- Your geographic location and threat publicity
- Your chosen protection limits and deductible
- Your home demographics
- Your credit standing and insurance coverage claims historical past
Your fee can even rely on the reductions you qualify for, which might help decrease your premium.
The Hartford Discounts
The Hartford affords fewer householders insurance coverage reductions than another suppliers, and just some offers are available in each state. Generally, the corporate’s checklist of saving alternatives contains:
- AARP members low cost
- Retiree credit score
- Claims-free
- Fire safety
- Home safety
- Multi-policy bundling
One of essentially the most vital financial savings on insurance coverage charges comes from bundling your Hartford auto insurance coverage and householders insurance coverage. Combining each protection can present a 20% low cost in your home insurance coverage.
You additionally save in your automotive protection by bundling insurance coverage merchandise. In addition to auto insurance coverage reductions comparable to sustaining a secure driving file and advantages like accident forgiveness, you obtain an extra 5% off your automotive insurance coverage.
The Hartford Reviews
As a part of our householders insurance coverage evaluate course of, we consider on-line opinions for indications of buyer satisfaction.
Reviews of The Hartford on Trustpilot and the Better Business Bureau (BBB) present a variety of complaints, which isn’t unusual for insurance coverage suppliers. Most buyer opinions on these websites are for automotive insurance coverage, however we’ve included a couple of samples under for insights into normal customer support and the claims course of.
“…my claim through The Hartford has been handled with the utmost professionalism and compassion. I can’t say enough good things about [my customer service representative]”. —Harry T. by way of Trustpilot
“I have dealt with nothing but the best, compassionate and understanding customer service. Even during a hardship, [The Hartford] was very compassionate and if [a representative] made a mistake, they own up to the error they made. I’m truly happy with the qualities of customer service and service [The Hartford] offers me.” —Michelle M. by way of the BBB
“Filing the claim in the first place was very frustrating. …[The Hartford] delays, demands more documentation and there is always a problem.” —Vince W. by way of Trustpilot
“Terrible response time from the adjuster. I had three different adjusters [and] the third one never returned my email.” —Joseph by way of Trustpilot
The Bottom Line
With greater than 200 years of offering insurance coverage within the U.S., The Hartford is a strong householders insurance coverage firm. It affords customary home protection and quite a lot of add-on choices, although its premiums are barely above common.
The firm receives combined opinions on Trustpilot and BBB. However, it ranks greater than common for customer support on J.D. Power’s buyer satisfaction survey, sitting in third place within the firm’s September 2022 rankings.
As AARP’s unique insurance coverage accomplice, The Hartford could also be a superb possibility for members over 50 years old. However, there isn’t any age minimal to affix the AARP. In some states, AARP membership is required to buy an insurance coverage coverage with The Hartford.
We advocate evaluating home insurance coverage charges from a number of different suppliers to find out which coverage is best for you.