The Hartford Renters Insurance Overview

The Hartford, a property and casualty insurance company, was founded in 1810 and is headquartered in Hartford, Connecticut. In addition to offering home, auto, renters and umbrella insurance to individuals, the company also offers various types of business insurance including property and liability. The Hartford has even insured Abraham Lincoln’s home and well-known construction projects like the Golden Gate Bridge and the Hoover Dam. Currently, The Hartford has over $230 billion in assets.

What Are The Hartford Renters Insurance’s Ratings?

The Hartford’s financial strength, as measured by independent institutions, is commendable. The insurance company has received an A+ from A.M. Best, an A1 from Moody’s, an A+ from Standard and Poor’s, and an A- from the BBB.

What Coverage Does The Hartford Renters Insurance Offer?

The Hartford offers customizable policies to meet your specific needs. In general, renters insurance plans can include the following types of coverage:

- Personal property insurance, which protects you against incidents like a neighbor's home having caused smoke or water damage to your home.

- Special personal property coverage, which covers your personal belongings whether the loss occurs on or away from your property.

- Loss of use, which helps pay for living expenses incurred when your home is temporarily uninhabitable.

- Liability, which helps cover legal defense expenses and court-ordered fees related to liability claims.

- Medical payments, which helps cover medical bills if someone is injured on your property or even if you accidentally cause someone bodily injury while not on your property.

- Identify fraud expense coverage, which is a popular add-on to protect yourself in case you become a victim of identity theft.

How Does The Hartford Compare with Other Renters Insurance Companies?

The Hartford has been in business for over 200 years and has been trusted to insure some of America’s most historic sites. The company has over 100 offices located throughout the U.S. and offers online access to many products and services. Customers can tailor policy features to meet their specific needs and can access claims services 24/7.

  • AM Best Financial Strength Rating
  • Available 24/7 by Phone
  • Property Damage
  • Guest Medical Protection
  • Liability
  • Personal Property Protection
  • Reimbursed Living Expenses
  • Identity Theft Insurance
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0 votes

Really mad that after having no claims for a good 7 years that the second I have a very small claim for damage to my property that I am being charged higher rates. You would think that they would want to keep good customers who rarely need them and pay them.

0 votes

I had a claim paid out for everything that was damaged in my apartment during a fire just recently, and it was done quickly. I'm now waiting for my next bill, though, to see if that convenience is going to cost me big in insurance premiums. I hope not, but will have to wait and see.

0 votes

The Hartford is a top notch company, and their renters insurance is no different. I had a claim about a year ago and it was handled in an efficient manner by a very friendly customer service rep and insurance specialist. What a relief to have something go right when you've had a loss.

0 votes

Quick and friendly service whenever I call to ask a question and to adjust a rate. I have a friend who just had a loss in her apartment and she has gotten her insurance money quickly. So I see that as a good sign that they will be there when I need them.

0 votes

Good experience with the Hartford in terms of having my claim for damage to my property after a fire in the condo I rent, but I was a little peeved that my rates went up by 10 percent afterwards. This is my first claim, so I don't feel that is right.

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