The Hartford Homeowners Insurance

The Hartford - Homeowners

 3.6/5 (498 reviews)
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The Hartford - Homeowners

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Overall Rating3.6 out of 5
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About The Hartford - Homeowners

The Hartford is an insurance company that provides coverage policies for homeowners. As the only insurance provider endorsed by AARP, The Hartford offers discounted plans for AARP members. The company also focuses on community impact with its Human Achievement Program, which encourages volunteerism and education.

Pros & Cons


  • Community outreach programs
  • Discounts for AARP members
  • Comprehensive coverage


  • Vague pricing
  • Difficult to get an online quote

Bottom Line

The Hartford offers flexible and comprehensive home insurance. It's ideal for AARP members, retirees and those looking for an insurer with a community focus. AARP members get discounted coverage.

Top The Hartford Homeowners Insurance Reviews


I feel they have my best interest at heart. I have never had any problems with them … The customer service department is so good. They are friendly, make me feel like they are par...

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We are very happy with our homeowners insurance company. They help us, whether it be a claim, a question on a bill. Or just making sure we have the right coverage for our needs… T...

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What is The Hartford home insurance?

The Hartford is an insurance provider that writes policies for home insurance and other coverages. It’s the only insurance company endorsed by AARP, and it offers special discounts and perks for AARP members. Its website is informative and has several resources to help you choose the right insurance. You can apply for a home insurance quote on its homepage.

The Hartford also focuses on community impact with its Human Achievement Programs, which emphasize education and volunteer work.

What does The Hartford home insurance cover?

The Hartford’s home insurance provides coverage for your house, rental, condo or personal property, including garages. Its coverage can pay for the replacement of your property and can also help with the costs of a temporary move due to property damages. Its liability insurance covers legal fees in the event of property damage or injury due to an accident you caused. Other coverage The Hartford offers:

  • Dwelling coverage helps protect anything directly attached to your home. It also covers internal systems like air conditioning, plumbing, wiring, etc.
  • Other systems coverage is ideal if your garage or shed is not attached to your home. This coverage helps with repair or replacement costs.
  • Personal property protection ensures your personal property (e.g., furniture, appliances and clothing) is covered in case of a fire, flood or related incident. You can purchase additional coverage for other expensive items like jewelry or artwork.
  • Loss of use coverage helps pay for temporary relocation due to home damages.
  • Personal liability coverage helps pay legal fees if you're found responsible for someone's injury while in your home or if you damage someone else's property.
  • Medical payments help cover costs related to another person’s injury on your property.

The Hartford home insurance quotes and costs

The Hartford doesn't have transparent pricing on its site — after using its quoting tool, you have to call its customer service line to receive your estimate. You’ll need to provide specific information about your home, location and property status in order to receive an accurate quote; your home insurance costs will vary based on your home's replacement cost, age, location and more. The Hartford does offer some discounts, including:

  • Bundled insurance: Discounts of up to 20% for bundling your car and home insurance.
  • Home security and safety device savings: Savings for alarms, sprinkler systems, deadbolts, smoke detectors and other safety equipment.
  • Retiree credit for retired AARP homeowners: Discounts for retired AARP members who work less than 24 hours per week.
  • Renewal credit: Loyalty discount for renewing your policy every year for four years.
  • Claim-free discount: Rewards for going without claims for extended periods of time.

The Hartford home insurance FAQ

Where is The Hartford home insurance available?

The Hartford homeowners insurance is available in Arizona, Arkansas, California, Colorado, Connecticut, Georgia, Hawaii, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, New Hampshire, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, West Virginia and Wisconsin.

Does The Hartford home insurance cover mold?

Yes, a standard homeowners policy from The Hartford helps cover the cost of mold issues.

Is The Hartford home insurance only for seniors?

No, The Hartford home insurance writes policies for people of any age, but it does have special discounts for retirees and AARP members.

Does The Hartford home insurance cover A/C units?

Yes, The Hartford’s home insurance policies do cover air conditioning.

Is The Hartford home insurance good?

Yes, The Hartford is a well-respected insurance provider that offers comprehensive coverage for homeowners. It’s endorsed by AARP and provides discounts for AARP members and retirees, so it’s probably most ideal for senior citizens in the 33 states it services.

The Hartford Homeowners Insurance Reviews

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Page 1 Reviews 0 - 10
Verified Reviewer
Original review: June 26, 2021

When I moved into my new condo, I got The Hartford for coverage. They have been a great company to use for my insurance. I would totally recommend them to family and friends for their insurance needs.

2 people found this review helpful

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    Verified Reviewer
    Original review: June 16, 2021

    After being a customer for 20 years, bundling home and auto, we have completely been ripped off. Our mortgage ck. Has paid our policy every year, for July to July. We sold our house in Jan. 2031, so we asked for our refund for that time period. Well rude customer service reps could not find our cancelation all record. We offered a closing settlement and no luck! Seems that even though they market to 50+, they don't honor that at all! 20 yrs loyalty and now we definitely feel ripped off. That is a substantial refund, esp. For those of us on ss$! We would not recommend them! Do your research, read the multiple reviews from senior citizens. Disgraceful! Really!

    10 people found this review helpful
    Verified Reviewer
    Original review: Dec. 31, 2020

    I had a small water damage claim with AARP Hartford January 2019, the 2nd in my lifetime. Due to paperless billing they were able to double my premium, get paid by our lender and then send us an email letting us know about the new policy with no prior billing. Seems we should have opportunity to accept their new rate before they get paid, right. So we got a small increase this year but after realizing our rate had doubled and our auto policy was skyrocketing we went shopping and got a better auto deal; but found getting a new homeowners policy difficult due to the claim. So Hartford bills our lender another $720 for canceling our auto policy, gets paid without my even knowing it and then sends us the bill 3 days later. Warning do not trust these people.

    10 people found this review helpful
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    Verified Reviewer
    Original review: Oct. 24, 2020

    I've been a loyal AARP member since I became eligible 9 years ago and just went online to get a quote on homeowner's coverage (since they've been highly thought of - except on this site). I've even worked at a contact center for several years associated with AARP health insurance coverage. Despite being furloughed from my current employer due to COVID-19 pandemic I've always timely paid premiums to current carrier of 26+ years (Selective Insurance of South Carolina). My home is paid in full & I try to keep it in good condition - plus I do not file claims at the drop of a hat.

    Although I own 2 small dogs - none of mine have EVER had any bite history whatever or been ANY of the breeds associated with biting. My home is less than 1,000 feet from a fire hydrant AND only 2 blocks away from the nearest fire station - if even that. I therefore should be a good risk at least. I put in a quote request and got some nonsense saying they couldn't give me a quote. I suspect it's because I live in Philadelphia. I think I'll keep this in mind next time my AARP membership comes up for renewal....

    3 people found this review helpful
    Verified Reviewer
    Original review: Sept. 14, 2020

    The Hartford Ins policy has been in force for about 10 years I have had no problems. The payments are made automatically from my checking account. Yearly I am sent notifications on time and reminded of any changes.

    2 people found this review helpful
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    Verified Reviewer
    Original review: Sept. 14, 2020

    The Hartford acts tone deaf during this 2020 pandemic while raising their rates, increasing our monthly mortgage. You know we're living paycheck to paycheck! We've not made a claim, taxes didn't rise, we've never been late on payment...

    8 people found this review helpful
    Verified Reviewer
    Original review: Sept. 1, 2020

    Have paid a tidy sum for homeowner's insurance for 15 years. Roofer told me I had hail damage so I called Hartford. They sent their guy out to look at it. He turned in that my metal turbines had hail damage and my metal gutters had hail damage but said my shingles had no hail damage. How does that make sense?

    8 people found this review helpful
    Verified Reviewer
    Original review: March 3, 2020

    Yes I have a bad storm four yrs ago and just getting 3000 more doll after four yrs. It started with first check of 43 doll and I ask for new adjuster and they sent me two Comp men out and after they left there was over 36000 doll in damage not including my shed. They sent 5000. Barely enough to put roof back on and said they would pay rest after I had it fixed and sent them receipt so I fix it. It took a while since they wouldn’t give any money to do if had to do it out of pocket and when I sent the receipt in they want to have a readjustment done and the lady that came out sent in I’m not sure what because they refused to let me have a copy to see if it was all add that had been fixed and sent last check of 3000. This is four yrs in getting this done. That 8000 out off 56000.

    I sent emails and told them that this isn’t right. I had cost replacement and I had spent 30000 to fix my home and that I was hiring a private adjuster and I did. He wrote up over 56000 and they said they would look at it if I had one come out. I did and they said case is closed and that if that is not right when I had it fixed cheaper than their on Comp adjuster had wrote up but refused to pay me any more money after receipt was sent and refused to look at my private adjuster sheet. Is this right to do a 83yr old lady on storm damage? I wouldn’t buy insurance from this Comp at all and I write comp headquarters and had no response.

    This is not right to do a customer in anybody’s eyes and I don’t know what to do. You would think that their on Comp people right at up they would honor it but they don’t and this need to be put where everybody can read this including The Hartford. They advertise how they are for the AARP and they're not at all. This is a shame that consumers get this done and no one to help them change it. Their word overrides everything else. This is not the way you do your customers in USA and I hope this will make people aware of this Comp policies. They need changed. Thank you. D ** of Telephone Texas.

    15 people found this review helpful
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    Verified Reviewer
    Original review: Jan. 6, 2020

    We had a very large oak tree fall on our house in July. In the process of it falling, some of the top branches also fell onto our pool deck and caused damage to the pool. The pool has been green since this happened due to not being able to run the pump. The tree actually moved the center of the house separating the rafters. They first send a roofer even though they were told and sent pictures. The roofer took one look and said a structural engineer needs to come out. The Hartford fired the roofer. They then sent an adjuster who was shown how the house moved. He went back and reported that we only needed new shingles rom hail damage. He never got on the roof.

    We kept sending email after email and they finally agreed to send a structural engineer. Structural Engineer comes out and says it is so dangerous that he would not walk on the roof. This was in August. Then we had to wait for the adjuster to come back out. All he did was measure rooms. Our home is finally going to be repaired beginning the end of January 2020. The pool is a different story. The adjuster told the Hartford that we told him the tree company damaged the pool. After sending email after email, they reach out to the tree company who ended up telling the same story we had told as to how it happened. The Hartford put this in an email to us. I thought we would finally get the claim paid.

    They tell us to send an estimate in from a pool company which we did. They came back and said that they would not pay very much due to the age of the pool. We sent proof that the pool had been redone. They then said they wanted us to file a separate claim for it and pay $2000 deductible. We asked why would it be separate since the damage was from the tree that also damaged the house. They just now told us that they determined our pool is damaged from normal wear and tear and they won’t pay anything. This is a horrible insurance company. They doubled our premium for the last two years and that was before we had ever filed a claim. I was in the process of getting quotes to change insurance when the storm occurred. I so wish I would not have waited so long.

    18 people found this review helpful
    Verified Reviewer
    Original review: Oct. 15, 2019

    Paid part of my claim. Have ignored the last items with no explanation. I've made numerous calls always get voice mail and they will never return a call. Was promised once work was completed that I would revive final payment. Submitted receipts 5 weeks ago.

    16 people found this review helpful
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    The Hartford Homeowners Insurance Company Information

    Company Name:
    The Hartford
    Year Founded:
    One Hartford Plaza
    Postal Code:
    United States