The Hartford Home Insurance Review 2020

Last modified: October 18, 2020
  • Claims 10
  • Buying 9
  • Transparency 8
  • Coverage Variety 8
  • Value For Money 9
  • OVERALL RATING 8.8
  • Financial Strength A+
  • BBB Rating A+
  • Coverages 4/5
  • Flexibility Policy customization available
  • Discounts 4/5
  • User Ratings NAIC Satisfactory (fewer complaints than average)
  • Support Phone
  • Availability Not all states /only 34 are served
  • Pricing Variable

Are you looking for home insurance coverage? Then you might want to learn about The Hartford homeowner insurance. It’s a nationally recognized company and has been in the business for over 200 years now. You can find many Hartford homeowners insurance reviews online.    

About the Company

Founded in 1810, The Hartford Financial Services Group is a well-reputed and trusted insurance provider. It is the oldest insurance company in the U.S. serving customers for years across domains including homeowners, auto, and business insurance. The company has established an exemplary reputation in customer service. Its excellent financial strength rankings indicate its top business performance and growth. 

In collaboration with AARP, The Hartford homeowners insurance provides many benefits to AARP members. Located in Hartford, Connecticut, the complete Hartford insurance address is available online. Potential and existing customers can reach out to them if they want to discuss insurance coverage in person. Other means of contacting them are also available, which we’ll discuss later in our review. 

The company offers a variety of home insurance coverage options such as homeowners, renters, condo, and flood insurance. The Hartford insurance company is worth approximately 16.97 billion dollars with more than 16,400 agents to serve its customers across the U.S. 

How We Reviewed

The Hartford is one of the oldest and largest insurance providers in the U.S. We decided to review the insurance company based on several important factors that have contributed to its success and how the company caters to its customers.

We started by reviewing their website to evaluate the provided information. We looked at the resourcefulness of the site regarding home insurance coverage, features, and discounts. We checked out the ease of website use, site map and navigation, and the variety of methods to contact customer service and the claims department.

Next, we reviewed The Hartford insurance rating to learn details about the company’s financial strength and business standing. It’s essential to learn more about the company’s financial strength in the market, to get a clear idea of where it stands in comparison to its competitors. 

We took into account customer reviews and pricing so that you have a good understanding of what customers say about their products and services. 

Where Is It Available?

The Hartford doesn’t serve all the states in the U.S. Homeowners insurance is only offered to a limited number of states. The Hartford insurance locations for homeowners insurance coverage include: 

  1. Arizona 
  2. Arkansas 
  3. California 
  4. Colorado 
  5. Connecticut 
  6. Georgia 
  7. Hawaii 
  8. Illinois 
  9. Indiana 
  10. Kansas 
  11. Kentucky 
  12. Louisiana 
  13. Maine 
  14. Maryland 
  15. Massachusetts 
  16. Michigan 
  17. Minnesota 
  18. Missouri 
  19. New Hampshire 
  20. New Jersey 
  21. New Mexico 
  22. North Carolina 
  23. Ohio 
  24. Oklahoma 
  25. Oregon 
  26. Pennsylvania 
  27. South Carolina 
  28. Tennessee 
  29. Texas 
  30. Utah 
  31. Vermont 
  32. Virginia 
  33. West Virginia 
  34. Wisconsin 

The Hartford Insurance Coverage Options

In our Hartford insurance reviews, we will highlight all The Hartford insurance coverage options. Their home insurance coverage insures the home and personal property including sheds and garages. It also provides coverage that helps replace personal property damaged in a loss or that can assist with temporary living expenses, especially if the home is not in a condition to live in.

Standard Coverage Includes:

  • Dwelling Coverage 

This coverage is designed to protect your home and the structures which are directly attached to it. Therefore, it covers the building and the internal systems within it. This includes plumbing, air conditioning, heating system, and wiring. 

  • Other Structures Coverage 

It protects structures that aren’t attached to the house directly. For example, if your garage is a detached structure and it gets damaged, it will be covered under the Other Structures Coverage.

  • Personal Property Insurance 

As the name suggests, this option protects the personal belongings, including clothing, appliances, and furniture. But for the protection of valuable items like jewelry, collectibles, and artwork you will need additional coverage.

  • Loss of Use 

It pays for living expenses in case the house gets damaged because of fire and is no more in a livable condition. But the loss of use coverage is up to a policy limit.    

  • Personal Liability Insurance Coverage 

The personal liability coverage is designed to protect someone who is not a resident of the house and gets injured on your premises. Likewise, it also protects you if you are found responsible for damaging somebody’s property. It provides for your legal defense in case a lawsuit is filed against you. 

  • Medical Payments 

The medical payment coverage is also provided under the homeowners insurance policy. It covers the medical cost for the injured person on your property. If you don’t have this coverage, you will be held financially and legally responsible. 

Add-on coverage includes:

  • Full replacement cost
  • Zero Deductible Benefit
  • Wind and hail deductible
  • Actual replacement cost
  • Reimbursement for lock replacement
  • Disappearing property deductible
  • Equipment breakdown
  • Valuable items blanket
  • Increased water backup
  • Assisted living
  • Scheduled personal property
  • Earthquake

The Hartford Home Insurance Pricing 

The rates and pricing are variable for home insurance. Simply stated, there are no one-size-fits-all price plans. Pricing depends on numerous factors such as home replacement cost, home’s age, location, and claim history (if any). You can call on their helpline or use their website to get The Hartford insurance quote right away.

The Hartford Home Insurance Discounts

The Hartford gives you plenty of bundled insurance packages and home security discounts to select from. Here is an overview of AARP discounts offered: 

  • Home Security and Safety Device 

You can save big on home security and safety devices with this saving plan. All you have to do is upgrade your home security with the combination of a sprinkler and a burglar alarm system. You can also enjoy discounts by making small changes like adding deadbolt locks, smoke detectors and etc. All this will help lower the premium on your home insurance. 

  • Bundle Home and Car Insurance 

This discount option allows you to save up to 5% on your auto insurance and 20% on your home, renters, or condo insurance. All you have to do is bundle them up. It’s as simple as it can be.

  • Retiree Credit 

As the name suggests it is exclusively for retired AARP homeowners. So, if you or your spouse are retired or work less than 24 hours weekly, you may be eligible for this discount offer. You can get credit on your home insurance premium. 

  • Renewal Credit

You can enjoy a discount on policy renewal. In other words, if you get your Hartford homeowner insurance with them for 4 years, you can get a discount. 

  • Claim-Free Discount

The longer you stay claims-free, the more you can save on your homeowner insurance policy with The Hartford. 

Customer Satisfaction and Financial Strength Review

In terms of customer satisfaction and financial strength, the company takes the lead and is second to none. This is evident from its exceptional ratings given by the industry-leading financial institutions. 

For example, The Hartford insurance rating from BBB is A+. Companies like S&P and Moody’s have also rated it A+. This shows that Hartford Insurance has an excellent financial rating across the board. 

Similarly, if we look at the customer satisfaction rating, the company does exceptionally well in this domain. It earned second place in the JD Power U.S. property claims customer satisfaction study. The Hartford insurance complaints were fewer than the industry average.

Platform Rating
JD Power   3/5
BBB  A+
S&P A+
NAIC  Satisfactory (fewer complaints than average)

Customer Support 

The company is known for its award-winning customer support services. They have customer representatives available at your service to assist you at every step of the way ensuring that you get the best service. 

There are many ways to contact The Hartford insurance customer service. These include:

  • For Quote 

You can call on their helpline 888-413-8970 from Monday to Friday, from 9 a.m. to 6 p.m. ET and get home insurance quotes.  Also, they offer you the opportunity to customize your policy and include the coverage of your own choice. 

  • For Claims

To make a claim, you can call on 800-243-5860 at any time to register your claim. The helpline is open 24/7 and 365 days a year. 

You can also make a claim via The Hartford mobile app. It is available for free on both Apple Store and Google Play.

Ease of Buying and Claims Handling 

As mentioned above, the company is adept in claims handling. On their website, the company provides all the details about how to report and how they handle claims. To get started, you can report your claim online or call the dedicated Hartford insurance claims phone number.

It’s convenient to file a claim online via an application form. The form asks for the following information: your identity, insured property, causes of the property damage or loss, and the extent of loss or damage.

Once you report the claim, the claim handler will contact you within a few days via phone. They will discuss your claim in detail and guide you through the next steps so that you can receive your entitled claim smoothly and without delay.

You can keep track of your insurance claim via their mobile app or your web account. To create your account, all you have to do is sign up and register. You can get instant access and check on your claim status and other details at any time. 

Comparison With Competitors 

Now let’s compare The Hartford insurance with its competitors to see which fits you better:

The Hartford vs State Farm

Although State Farm has the edge over The Hartford in terms of customer satisfaction level and financial strength if you’re retired or a senior, you may prefer The Hartford because of its amazing discounts. 

The Hartford offers discounts to retired individuals and those who work fewer than 24 hours weekly. 

State Farm achieved 4/5 by JD Power for customer satisfaction, while The Hartford got a 3/5 rating. Likewise, State Farm got an A++ rating from AM Best while The Hartford insurance was rated A+. 

The Hartford vs Allstate

Both companies are equally competitive in every aspect including customer service, financial strength, and discount offerings. Therefore, we’d advise you to get a quote from both companies and accordingly choose the right insurance provider.  

The Hartford vs Farmers

Farmers offers a claim forgiveness policy which The Hartford doesn’t. Moreover, Farmers provides discounts to teachers, doctors, and other professionals while The Hartford only offers discounts to retired individuals. Nonetheless, The Hartford homeowners insurance plans are economical and have extensive coverage in terms of standard and add-on options.

Pros & Cons

The Pros

  • Excellent financial strength
  • Exceptional customer service and claim support
  • Ability to bundle your auto, home, and life coverages under one insurer
  • Amazing discounts and saving opportunities

The Cons

  • No live chat service
  • Does not provide coverage in all states
  • Policies only available for AARP members in most states
  • You must purchase an auto or home policy to purchase certain others

Final Verdict

In conclusion, it can be said that The Hartford insurance company is a great choice for homeowners looking for affordable coverage options. From dwelling coverage to personal property insurance, loss of use, and medical payments, The Hartford offers them all. They offer award-winning claim support and customer service. 

The company is rated A+ for financial strength by all the top financial institutions. In case of coverage assistance, you will not have to wait for months to recover it.

FAQs

Does The Hartford homeowners insurance cover mold?

Yes. The standard Hartford insurance policy limits the coverage for loss that is caused by mold, dry rot, or fungi to $10,000. You can contact their customer service for details. Their friendly team of customer representatives is available from Monday to Friday.

Does The Hartford homeowners insurance cover tree damage?

Yes. The damage caused by a falling tree limb is covered. The removal of fallen trees in the yard is covered up to $1000. If tree damage is due to a wind or snow storm you will only get coverage if that tree blocks your property entrance or does any type of structural damage to your house or garage. 

What Are The Hartford ID Hotline and identity restoration services?

If you have a standard policy, you will get access to their experienced fraud specialists round the clock. These specialists are committed to helping guard you against identity theft and will explain what to do if your personal information is manipulated or compromised.

Does The Hartford homeowners insurance cover dog bites?

You get coverage for a dog bite in your standard policy, but the limit may be reached easily if the injury is severe. Therefore, it is advisable to get additional insurance for dog bite so that you have a higher limit and get adequate medical treatment if in such cases. 

Does The Hartford homeowners insurance cover termites and insects?

No. It is not covered. But our Hartford homeowners insurance reviews reveal that there are exceptional cases when insect damage is covered. For example, in case of an abrupt structural collapse caused by termites, which was hidden from view or was unknown to the holder of the policy.