Our verdict: Even though The Hartford is not available in all states and it mostly serves members of the AARP, you’ll likely enjoy good coverage options and affordable home insurance policies.
The Hartford was founded in 1810 and is famous for providing insurance for the only home of Abraham Lincoln. Today, it employs 18,500 people across the US, and you can use its network of agents to purchase The Hartford home insurance, auto insurance, or enjoy group benefit plans and mutual funds.
The Hartford insurance is geared towards people over the age of 50, and the company partners with AARP, which provides additional perks to members. The Hartford sells its products mainly through a network of independent agents and brokers and serves more than a million small businesses.
Based on the latest J. D. Power study, The Hartford’s customer satisfaction ratings are above average for home and auto insurance. Keep reading to find out more about this established insurance provider.
The Hartford Home Insurance Pros and Cons
Each insurance company has its advantages and disadvantages. It’s important to consider these in relation to your personal needs and specifications.
Pros
- Great customer satisfaction
- Endorsed by the AARP
- Excellent discounts
- Deductibles might disease over time
- ID theft coverage assistance available 24/7
- Great add-ons
Cons
- Requires an AARP membership in most states
- Some add-ons are only available in packages
Product Overview
The Hartford home insurance comes with an option to customize your policy and enjoy the perks of being an AARP member. This policy covers the dwelling, other structures, personal property, liability, loss of use, and more.
There are many other features available, like reimbursement for lock replacement or water backup coverage. Still, not all features of this insurance are available in all states. If you’re a member of the AARP, and the policies are available in your state, you can use The Hartford website to check the insurance quote with ease.
Features
Homeowners
You can get The Hartford home insurance if you’re a member of the AARP, offering financial protection for your home and its contents, and it comes with comprehensive coverage.
The first thing that’s covered in this policy is the dwelling. This coverage helps pay for repair costs, rebuilding, and similar if the damage is deemed to be from a covered loss. Dwelling coverage includes:
- Walls
- Electrical wiring
- Plumbing
- Heating
- AC
- Attached garage
- Chimney
This coverage also includes full replacement cost in case of a complete loss, meaning you’ll be reimbursed for the complete cost of a home rebuild. There’s also a chance to receive up to 150% of the coverage limit.
The Hartford AARP home insurance also protects other structures on your property. These usually include a detached garage or a shed in your backyard but may also cover fences, swimming pools, gazebos, or barns.
Personal property insurance coverage is also included in the homeowners policy. This covers your furniture, clothing, appliances, and similar items inside your home.
Personal liability coverage is another handy aspect of this home insurance policy, covering the cost of injury if someone is hurt in your home and all associated legal fees.
The Hartford homeowners insurance comes with the following add-ons:
- New for old protection
- Personal injury liability coverage
- Reimbursement for locks replacement
- ID fraud expense coverage
- Disappearing property deductible
- Equipment breakdown
- Valuable items coverage
- Green rebuilding, and more
Keep in mind that this home insurance and its perks are not available in all states. Check if your state is on the list on the official website.
Renters
Even though it’s not the same as standard home insurance, renters insurance will help protect you and your personal belongings while you’re renting a place out.
You can purchase The Hartford renters insurance through the AARP home insurance program. This policy will cover fire and smoke damage, theft, or vandalism. The standard policy also includes:
- New for old
- Build-in improvements
- Living expenses
- Liability
- Property damage
- Medical payments
Still, the renters insurance policy won’t cover certain natural disasters, meaning you’ll need an additional policy to cover those damages.
Condo
If you’re a proud condo owner, your condominium is probably insured with the master policy of your association. Unfortunately, that doesn’t mean that the inside of your place is covered as well.
You can purchase the condo insurance through The Hartford house insurance program and make sure you cover more. This policy will cover the dwelling, personal property, loss of use, medical payments, and personal liability.
You can also customize your condo insurance policy and enjoy added coverage like:
- Flood
- New for old
- Valuable items
- Scheduled personal property, and more
Flood and Earthquake
Flood insurance often comes as optional coverage, and it covers flood-related damage. Sometimes, your mortgage provider may require that you have this insurance, and that’s why it’s a good idea to include it in your homeowners policy.
To purchase The Hartford flood insurance, your community should also be a member of the National Flood Insurance Program.
Keep in mind that these policies are usually not effective right after you purchase them. In some cases, it might take 30 days for the policy to come into effect. If you feel like you’re in danger or your location requires that you have flood insurance, you should reach out to an agent as soon as possible.
Another insurance that might be required in your state is earthquake insurance. The Hartford earthquake insurance is an optional type of insurance that you can purchase together with your homeowners policy.
Rental Home
If you own a home that you rent or plan on renting, this policy is worth considering. Your rental property directly affects your finances and should be treated as an investment and part of your portfolio. Just like your tenants would benefit from the renters insurance, you’ll benefit from the Rental Property Protection Plus from The Hartford.
If you believe you will benefit from this policy, you can reach out to The Hartford agent and ask about The Hartford rental home insurance. It should cover the dwelling and the attached objects and provide fair rental value coverage for those moments when your property gets damaged and you can’t rent it.
There are also additional coverage options that you can add to this policy. These are:
- Other structure coverage – covers detached objects
- Personal property coverage – covers your personal belongings inside the rental property
- Medical payments coverage – covers for the costs of medical injury that happened on your property
- Premises liability coverage – covers for injuries of someone who isn’t a resident on your property
Financial Strength
The Hartford insurance ratings show a financially stable company with many awards and recognitions. The Hartford saw revenue of $20.5 billion during 2020 and shareholder equity of $18.6 billion.
A. M. Best ranks all three of The Hartford companies with an A+ rating. Moody’s ranks The Hartford Fire Insurance with an A1, The Hartford Life and Accident Insurance with an A2, and Navigators Insurance with an NR rating.
Forbes ranks it as the #1 company in insurance, and it’s listed as 142nd on the Fortune 500 list, limiting any issues with payments and claims.
The Hartford Home Insurance Customer Service
The Hartford prides itself on providing excellent customer service to its customers. If you have any questions, visit the Contact us tab to get access to phone numbers of different sectors and an agent locator tool for your location.
Based on user reviews, The Hartford sometimes rushes people through the process and doesn’t answer some customer complaints.
If you face any difficulties with your claims, we advise you to reach out to customer support immediately so that your issues will be solved in time.
- Consumeraffairs – 4
- NerdWallet – 4
- WalletHub – 3.2
- Clearsurance – 4.1
The Hartford Home Insurance Quote
Home insurance quotes depend on many things. With The Hartford, your quote will depend on the policy and add-ons you select, your location, and the discount you qualify for.
Keep in mind that you’ll have to be a member of AARP, which costs about $16 per year if you wish to qualify for this policy.
For a $250,000 worth dwelling, your average home insurance policy will cost $1,076, which is lower than the national average of about $1,600 per year. There are also discounts available that will help you save when you purchase a policy at The Hartford.
The Hartford Home Insurance Discounts
Let’s take a look at the list of discounts that you might be eligible for.
Retiree Credit
This deal is available for you if you work less than 24 hours a week. However, it’s not available in all states.
Home Security Systems
This discount is similar to fire alarms, and it refers to the existence of burglar alarms or similar security systems.
Fire Protection
With hartford fire insurance, devices like fire sprinklers or monitored alarms could get you qualified for a discount.
Auto and Home Bundle
If you decide to bundle your home, condo, or renters insurance with an auto insurance policy, you might be eligible for a 5% discount on auto and a 20% discount on home insurance.
Claim-free Discount
It is possible for you to lower The Hartford home insurance quote if you remain claim-free for a longer period of time. This deal also varies by state.
Renewal Credit
If you stay with The Hartford for four years and keep renewing your policy, the company will offer a discount.
Condo-related Discounts
Many of the deals we mentioned are available for condo policyholders as well. The additional condo discount is available if you live in a gated community, so check with your agent to see if you’re eligible.
Rates Comparison
Now we’ll compare The Hartford home insurance quote with the prices of home insurance among the competition.
The Hartford vs. Farmers
As previously referenced, your home insurance policy will depend on many factors. There are many affordable insurers on the market today, and making the right choice is hard. The home insurance policy costs are usually based on the dwelling that’s worth $250,000.
With The Hartford, your yearly premium will be about $1,076. This company also offers many great deals to help you save on The Hartford home insurance price.
When it comes to Farmers, the average annual premium for a $250,000 dwelling is about $2,000, which is definitely not suitable for you if you’re looking for more affordable options. Still, Farmers does offer many discounts to help you lower your premiums, so it might be worth considering.
The Hartford vs. Nationwide
When it comes to The Hartford and Nationwide comparison, for the $250,000 worth of dwelling, your policy will be about $1,042 per year, which is a similar price to AARP The Hartford home insurance.
Overall Competition Comparison
The Hartford has many competitors who might offer better or worse service. This comparison should help you select the best insurer based on policy availability, financial strength, and customer service.
The Hartford vs. Allstate
Based on Allstate’s large cash balances and high investments, Allstate is financially sound. It had a strong financial performance in 2020. In J. D. Power’s 2020 report, Allstate scored about average in property insurance claims. A. M. Best affirmed the financial strength rating of A+ for all the members of the Allstate group.
When it comes to The Hartford homeowners insurance reviews, A. M. Best ranks The Hartford companies with a high A+ rating. This company saw a revenue of $20.5 billion in 2020. Its shareholder equity was $18.6 billion. In addition, customer service reviews are positive for both companies. Still, in order to purchase The Hartford insurance, you’ll have to be a member of the AARP, and it’s not available in all states.
The Hartford vs. State Farm
Based on the J. D. Power Home Insurance Study from 2020, State Farm is ranked with a score of 829/1,000, while The Hartford insurance ratings are high, with 832/1,000 for customer satisfaction. Still, customer reviews are mixed for State Farm since some had issues with their claims being denied.
State Farm’s policies are available in all states except Massachusetts, New York, and Wisconsin. To be able to purchase The Hartford insurance, you’ll likely have to be a member of the AARP.
The Hartford vs. Liberty Mutual
A. M. Best ranks Liberty Mutual with an A rating, meaning it has an excellent ability to meet the expectations of its policyholders. For comparison, A. M. Best ranks all three of The Hartford companies with an A+ rating.
The Hartford home insurance coverage is available in more areas than Liberty Mutual. Liberty Mutual also had a lower score and worse customer support ratings. Still, if you’re not a member of the AARP, you’ll probably prefer Liberty Mutual if it’s available in your state.
Expert Thoughts
The Hartford is a good insurer to consider if you’re a member of the AARP. This company focuses on providing the best possible service and a great selection of policies to people over 50. If you decide to purchase The Hartford home insurance, there’s no doubt you’ll enjoy excellent support and great discounts for your policy.
This home insurance is very affordable. However, there are a few downsides to consider. If you want to insure your home with this company, you’ll have to be a member of the AARP. Some deals and add-ons that would help you customize your policy are also not available in all states.
Besides these drawbacks, The Hartford is a financially strong company with great customer ratings, and you shouldn’t have issues with claiming your policy.
People Also Ask
The Hartford was founded in 1810, and today, it’s a well-standing company that employs 18,500 people across the US. The Hartford offers many different types of insurance policies, like auto and home insurance.
However, The Hartford insurance is there to help people over the age of 50. The Hartford works with AARP, and you’ll likely have to be a member to be eligible for the home insurance. Keep in mind that The Hartford sells its products mainly through a network of independent agents and brokers.
The Hartford insurance comes with an option to customize your policy. You’ll likely have to be a member of the AARP to be able to purchase it and enjoy additional deals and perks. The home insurance policy from The Hartford covers the dwelling, other structures, personal property, liability, loss of use, and more.
There are many other features available that will provide additional coverage. For example, you can include the reimbursement for lock replacement or water backup coverage and expand your protection. Keep in mind that not all features of this insurance are available in all states.
The AARP is a non-profit organization that offers membership for people over the age of 50. It’s focused on improving the lives of the elderly and provides an array of benefits, special products, and services for its members.
The Hartford Insurance and the AARP have a long history of working together to provide insurance to the elderly. In some states, only members of the AARP have access to The Hartford insurance policies and deals. The AARP and The Hartford work hard to ensure that your home, family, and belongings remain safe even after the worst events.
A. M. Best ranks all three of The Hartford companies with an A+ rating, and Moody’s and S&P’s ranks for The Hartford companies are also positive. Forbes ranks it as the best company in insurance, and The Hartford is listed as 142nd on the Fortune 500 list. However, it seems that the customer satisfaction ratings slightly dropped since the pandemic. Still, you shouldn’t have issues with filing or being paid for your claims.
When it comes to other ratings, Consumeraffairs and NerdWallet rank The Hartford with 4, while on WalletHub, it has a rating of 3.2. Clearsurance rates it with 4.1.
The Hartford is on the Fortune 500 list, and A. M. Best ranks The Hartford companies with an A+. Moody’s and S&P ranks are also high, meaning it can pay out the submitted claims without issues.
The Hartford is focused on offering policies to people aged 50 and over who are members of the AARP. The Hartford homeowners policy comes with many add-ons that serve to upgrade the coverage and help you customize your policy. Overall, this company provides good coverage and affordable policies.
When you visit the official website, you’ll see the Contact Us tab in the menu. There, you’ll find a list with information about how to reach out to each sector. You’ll have access to Quotes/Sales, and you’ll see the work hours listed.
If you need to file a claim, you can do so by calling 877-805-9918. There’s also a Customer Service Center available where you’ll have the option to create your account and manage policies, billing, and get auto ID cards. If you submitted a claim to The Hartford home insurance, you’ll be able to check the progress there.
