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The Hartford

in Home Insurance

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The Hartford

Unaffiliated

in Home Insurance

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Overview

Where does The Hartford do business?

The Hartford is an insurance carrier based in Hartford, CT. The company was founded in 1810 and offers home insurance in 49 states in the USA. 

What is the financial strength rating of The Hartford?

The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies.  SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.

The Hartford scores an A+, SuperMoney's highest available rating.

What types of coverage does The Hartford offer?

Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. The Hartford offers the following types of home insurance coverage:

  • Dwelling Coverage: Also called "dwelling insurance." This is the part of your homeowner's insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.

  • Guest Medical Protection: This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.

  • Liability Coverage: The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.

  • Other Structures Coverage: This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.

  • Personal Property Protection: This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them.

  • Reimbursed Living Expenses: This coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured's normal expenses. For example, it could include an insured's motel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.

The Hartford customers can also add the following riders or endorsements to their home insurance policies:

  • Assisted Living Coverage: As well as covering the usual personal property like furniture or jewelry, this rider can also cover hearing aids, false teeth, contact lenses, eyeglasses, medical alert devices, walkers or canes, and wheelchairs. You may also include personal liability coverage for residents and visitors with a choice of limits.
  • Business Property Protection: This coverage protects business assets in the home. Adding this coverage may help cover inventory, such as cosmetics or kitchen supplies, temporarily stored in your home as you're preparing to sell it or deliver it to customers.
  • Earthquake Coverage: This covers some of the losses and damage that earthquakes can cause to your home, belongings, and other buildings on your property.
  • Equipment Breakdown Protection: This protects from loss due to a mechanical or electrical breakdown of nearly any type of equipment, including photocopiers and computers. Coverage applies to the cost to repair or replace the equipment and any other property damaged by the equipment breakdown.

  • Green Improvement Coverage: This endorsement allows a home to be rebuilt with green materials or items to be replaced with more energy-efficient versions in the event of a covered loss.

  • Identity Theft Protection:  This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.


Personal Injury Liability Coverage: This protects you against bodily injury and property damage for which you or the residents of your home are responsible.

  • Sewage and Drain Backup Coverage: This coverage helps you repair water damage from overflowing drains and sewers, broken sump pumps, and damage that results from water moving from the ground up.

  • Valuable Items: Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.

How can you save money on a The Hartford home insurance policy?

When you ask for a quote with The Hartford, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available. 

  • Alarm System
  • Home Security or Protective Devices
  • Deadbolt Locks on Exterior Doors
  • Home Monitoring System
  • Smoke Detectors

Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with The Hartford.

What additional benefits does The Hartford offer?

The Hartford offers the following benefits to its customers:

  • 24/7 Phone Availability: Customer service is staffed around the clock.

  • Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.

  • Digital Claims Reporting: Never fax or mail a document again.
SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Available in 49 states
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Policy Discounts
  • Loyalty / Long-Term Customer
  • Multiple Policy
  • Affinity Relationship
  • Retired
  • Senior
Property Discounts
  • Alarm System
  • Home Security or Protective Devices
  • Deadbolt Locks on Exterior Doors
  • Home Monitoring System
  • Smoke Detectors
Home and Renters Insurance Riders
  • Assisted Living Coverage
  • Earthquake Coverage
  • Equipment Breakdown Protection
  • Flood Coverage (Federal)
  • Green Improvement Coverage
  • Identity Theft Protection
  • Personal Injury Liability Coverage
  • Sewage and Drain Backup Coverage
  • Valuable Items
Financial Strength Rating
  • A+
Loyalty Program
Claim Forgiveness
Carrier Features
  • 24/7 Phone Availability
  • Locally Available Agents
  • Digital Claims Reporting
  • Mechanical / Auto Body Repair Network
Available 24/7 by Phone
Liability
Reimbursed Living Expenses
Structure
Personal Belongings
Home and Renters Insurance
  • Dwelling Coverage
  • Guest Medical Protection
  • Liability Coverage
  • Other Structures Coverage
  • Personal Property Protection
  • Reimbursed Living Expenses

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