Last Updated: 04/18/2025
SuperMoney User Recommendation Score +93
Strongly recommended14 total votes
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Highlights
Community Rating
Strongly recommended
Financial Strength Rating
A+(Verified 04/18/2025)
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Number of Reviews
The Hartford Home Insurance Review
The Hartford Home Insurance is an insurance carrier based in Hartford, CT. The company was founded in 1984 and offers home insurance in 49 states in the USA.
The Hartford Home Insurance FAQ
What is the financial strength rating of The Hartford Home Insurance?
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 Home Insurance scores an A+ financial strength rating, SuperMoney's highest available rating.
What types of coverage does The Hartford Home Insurance 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 Home Insurance 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 Home Insurance 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 home insurance policy?
When you ask for a quote with The Hartford Home Insurance, 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 Home Insurance.
What additional benefits does The Hartford Home Insurance offer?
The Hartford Home Insurance 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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
7:00AM - 11:00PM
Tuesday
7:00AM - 11:00PM
Wednesday
7:00AM - 11:00PM
Thursday
7:00AM - 11:00PM
Friday
7:00AM - 11:00PM
Saturday
8:00AM - 5:00PM
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +93, or 4.9 on a 5-point rating scale.
+93
-1000+100
No one recommends
Everyone recommends
The Hartford Home Insurance Community Reviews
Would you recommend The Hartford Home Insurance to your friends?
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
I recommend Hartford for those who are more on the older side. Having a grandmother who is getting on in her years, this company has definitely helped her get out of some pickles in the past and continues to make sure she is good and well-taken care of.
Mayank G.
Jul 21, 2022
May or may not recommend
The Hartford is the 13th largest insurance companies in the world. It has great AARP insurance coverage and its human accomplishment and sustainability programs have a significant community presence. My family and I have been with Hartford for a long time and we have never encountered any insurance issues. Despite the premiums being slightly above average, their discounts reduce the overall expenditure.
CR
Christine R.
May 7, 2022
May or may not recommend
I worked at The Hartford for a while back in the 1990's prior to moving away. They were an amazing company to work for. Their homeowners insurance department really cares about the customers. They process claims quickly, and don't require you to jump through hoops. They believe their customers are their partners and they treat them with kindness and respect.
KR
Kimberly R.
Apr 14, 2022
May or may not recommend
The Hartford Company is a well established company with great customer services. Their claims are paid fast and due to their digital claims service, there is no need for faxing paperwork or repeated calls. Their customer service is outstanding.
MP
Marianna P.
Mar 19, 2022
May or may not recommend
I recommend Hartford for those who are more on the older side. Having a grandmother who is getting on in her years, this company has definitely helped her get out of some pickles in the past and continues to make sure she is good and well-taken care of.
BO
Bobmanuel O.
Feb 21, 2022
May or may not recommend
I have been with Hartford for several years now and see no reason to change. A local agent is great, and the service level is unmatched by the others that I have used over the years. I routinely check prices and other quotes, and the minimal difference is not worth the hassle of changing companies. Claims are dealt with well and quickly.
BW
B W.
Sep 28, 2021
May or may not recommend
Like many people have posted before, The Hartford is great for those who are 50+. My grandmother used them at one point when she was still living and never had a problem. The customer service was great, and it was apparent that they knew how to interact with their customer base. The AARP homeowners insurance program is incredible.
Andrew H.
Aug 12, 2021
May or may not recommend
A great option tailored to homeowners 50+. Responsive and courteous customer service.
DR
Devine R.
Jul 14, 2021
May or may not recommend
Above average customer satisfaction ratings for auto and home insurance. More than the expected number of complaints for auto and home policies it’s lots of coverage options for home and auto insurance.
SC
Shoane C.
Jul 3, 2021
May or may not recommend
I have heard good things about this company. I recently heard that this company offers great service. The Hartford Home Insurance is for homeowners 50+. My great auntie uses this service and she says that they have been dedicated to her for the 3 years that she has been using it. I have heard her talk to her friends about using this company, and two of her friends within the ...Show More
Originsand T.
Jul 1, 2021
May or may not recommend
I'm not sure if I will get insurance with them but on the website you can enter your zipcode to get a quote and then it leads to another page where the customer service phone number could be seen on the top right of the page and that is always a relief to me. After I called I had to wait with hold music, so if that's not your thing ...Show More
AO
Adebola O.
Jun 14, 2021
May or may not recommend
I love their customer service and level of understanding. You can always trust them
GT
Glenda T.
Jun 10, 2021
May or may not recommend
The Hartford offers policies through AARP. AARP and the Hartford remain high rated for customer satisfaction.
KW
Kandace W.
Mar 12, 2021
May or may not recommend
I had surgery when I was in school, they had this insurance and it was amazing. I had to have a crazy exspensive machine for healing and at first they did not understand what it was because it was not common and denied the claim to get it because it was not common, and once my dr office called and let them know I would need it and for a ...Show More
Showing 14 of 14 reviews