The Hartford - Homeowners Reviews

Received a nonrenewal of home owners insurance after 12 years and the justification was that I was not “responsive” to the attempts for a home inspection and I never received a phone call or voicemail message from a home inspection company to schedule the inspection. It is personally offensive after 12 years of payments, no claims and to blamed for the nonrenewal when I was not unresponsive. It makes me think it was a scam and they are claiming this occurred as an excuse to cancel/nonrenew. There is no way to be nonresponsive to an action that never occurred. And, there is no recourse for me but the insurance commissioner. I will be pulling the auto insurance from them now that they have been so awful. Terrible underwriters. Terrible people.

Horrible Insurance company. They try and act like your friend but will not cover needed repairs due to storm damage. Roof had broken shingles due to storm damage. They claimed the damage was due to age of the roof (23 Years) and not from the storm wind and hail damage. I disagreed, tried to dispute it. They immediately, within minutes, closed my claim and will not discuss it further. I may have limited ways to fight it, which I am sure they are happy about but I will not continue to give them money for no good reason. Found new insurance company that offers better coverages on home and auto for 50 to 75 percent less.

Purchased home & auto ins. Had two separate home inspections. Nothing negative was said. 10 months later, I get a notice that my ins. will not be renewed because I have decorative vines on the 2 brick walls, have a 200 y. o. oak tree with a limb extending 10 ft over the roof and live in a forest area that is a ‘fire hazard’. Wasted my time and money.

Tried to get a quote from them. After time online and on the phone, they provided the amounts, but not the coverages or exclusions for the home insurance. Agent said that I had to agree to the policy before they could provide the coverages (in writing) and the terms and conditions. So, I moved on to other companies. Very disappointing. Note: the agents were friendly and available, they just couldn't deliver a written quote.

This company takes your money and run! First, their customer service is very inefficient and cannot handle any questions about electronic or paperless billing. Three months ago they didn’t send me an email or mailed bill. I happen to call them about the app and found out I no longer had auto coverage. It took me about 6 hours that day to get an official to overturn it and get reinstated. It turned out that they only had half the email address on file but the app said my complete email.

Extremely satisfied with the handling of my sewer claim by Marissa ** out of Lexington, Kentucky claims dept. Marissa was extremely knowledgeable and professional. You need more employees like her. Couldn't ask for better service.

Our Condo association has been with Hartford for 25 years with no on claims. They recently sent us a notice saying they weren't going to renew our policy because their guidelines have changed. We were not happy. I got a tip from a fiend and got a quote from Farm Bureau in Idaho. Their quote came in and the premium was less than half of what we were paying Hartford. We are still scratching our heads wondering how did we fall for this all of these years?

I put in a claim in March 2024. We had a wind storm with 60mph gusts. I was first told the wind wasn’t strong enough that day. I sent them a video of a big wind gust ripping the siding off of the one side of my house. They sent out someone else then they claimed the siding was put on incorrectly. Mind you the siding has been on the house 20 plus years with no issues. This company is a scam. Pay constantly year after year just to get denied on a legitimate claim. Don’t use this company.

First of all why are there no reviews since 2016? I'm going to guess that's because they were all terrible and somehow Hartford was able to delete them. They flat out denied a claim on my roof. We live in Central Texas there are more hail storms than I could even count and there were clear marks from hail damage on the roof. They just said no. And when I requested to appeal the decision they refuse to answer phone calls or emails. The agency that sold as the policy, that our family has been dealing with for over 50 years, tried to contact them and they would not answer him either.

In my experience, the Hartford has 'excellent' auto insurance I would recommend--but I would not recommend their Homeowner Insurance (HI). That experience is vastly different. A few examples: They told me Chase was set up to pay my HI bill, so I wasn't worried about it--then 8 mos. after my bill was due I got a late notice saying I'd be canceled. Chase said they paid it, Hartford said they never received it. Chase was very helpful; immediately faxed them proof of the check... then weeks later I'd find out Hartford never got the fax. We did a 3-way call so Chase could fax the check & Hartford said they'd wait to verify it was received--then after it was faxed, Hartford said "Oops, it will take 3 days for us to verify."

I warn people not to use this company. My homeowner rate went up $100 a month for no reason. They renewed the policy a month early. I have no escrow on my mortgage, yet for two years in a row they accepted payment from my mortgagee for the full year even though I had set up automatic payment every month. I had the money withdrawn from my account for Sept and Oct 2023. Then the first of Nov I get a check and a note stating they are reimbursing me for the payments I made. They shorted me $38.35 of what I actually paid. I had to go in to my account to find out why. They had accepted a full year's payment from the mortgagee, even though the Dec page says NO ESCROW.

Had a water damage homeowner's claim 8/7/23. The adjuster assigned has not been available and failed to call back or respond in a timely manner. We were out of our home for about 6 weeks because of The Hartford adjuster's failure to evaluate and pay the claim in a timely manner. It is now 10/13 and the majority of the claim is still not paid. No local adjuster available so we had to deal with an incompetent adjuster on the other side of the country. Terrible service.

Do not use this insurance company for any of your needs or to protect anything you have. Worst insurance company I've ever dealt with!! When it comes to you filing a claim they have ZERO care about your claim and could care LESS. Take your business to Allstate, Progressive or Farmers Insurance etc. DO NOT BE FOOLED BY THE LOW RATES FOR PEOPLE OVER 50 YEARS OF AGE. AARP should cease doing business with them FOREVER. Type in Google- The Hartford BBB reviews and the score is 1 star, HORRIBLE reviews. Also in Consumer Affairs the reviews are HORRIBLE. https://www.consumeraffairs.com/insurance/hartford_auto.html **

I have started helping my parents with their bills since they are now in their late 80's. I asked my Dad how much is his Homeowner's insurance monthly payment on their duplex? He said about $600. What? I couldn't believe it. The Hartford is charging my parents over $8000 a year for a standard homeowners insurance policy! And he said they have been charging them these high rates for years! In comparison, my husband and I have a duplex of the same value, in the same area and our homeowners insurance is under $900 a year. I looked over the Hartford's declaration page and my own declaration page from my policy. Our policies are almost exactly the same. Except the last line on his Hartford's says "Standard policy annual rate is $7,890".

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.

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!

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.

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.

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.

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...

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?

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.

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.

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.

After filing a claim last fall and getting their normal run around and partial "coverage" payment. We found a better company with the same coverage for about half the cost and went with them in February. Early March Hartford sends us a cancellation letter. They keep sending bills for payment after they cancelled us. Talked with them about this, we don't show the policy being cancelled. How can a company demand payment after cancelling the policy?

I have had my homeowner's and my auto insurance with The Hartford, through AARP, for the last eight years (ever since I turned 55 and joined AARP). No problems, no issues, no claims. Well, my last homeowner's bill got stuck in the wrong pile on my desk and was covered with magazines, coupons, statements, the kind of pile that you rarely look at ... out of sight, out of mind. On Monday, I was on the phone with The Hartford, paying my auto insurance bill and thought hey, where's my home bill (I always pay them at the same time)? Got a human on the line and after a long time answering all sorts of questions about the house, they announced to me that they had cancelled my homeowner's insurance!!! W-h-a-t??!! I couldn't believe what I was hearing. They said that they had sent a warning letter, that I did not receive! So, as of 14 June, a lousy three days after the end of my apparent warning period, I am without homeowner's insurance.

This insurance company started me put with low rates but over 2 years have increased the rates with me filing no claims. They also told me they have to a certain amount of insurance for your home. A certain percent. My house is not even worth what they have it or saying I have to insurance it for. My car insurance has also gone up with them. If you are reading this please look into another insurance company because this one is terrible.

Had them for over twenty years. Use to be good. Rates have skyrocketed the past 5 years. They even charge more than what some state laws allow. Horrible customer service. We moved in August, 75 items damaged or lost. They told us for 7 weeks our personal property was covered, sent adjuster to our home. Then when they got the bill said we were not covered. AARP should not be endorsing this company. They do not care about senior consumers.

I had business interruption insurance with The Hartford for several years in a few locations. The 1st time I had a claim they found a fine print basis to deny coverage because they claimed that they found a newspaper article saying that the power outage that shut down my business was caused by flooding of a local river that knocked out a substation. I canceled the policies and have self insured ever since.

The Hartford canceled my HO policy for a 5/18/18 water damage claim. Notice was dated 8/23/18, which was not sent by either snail mail hard copy or by email. Learned of it by happenstance 9/01/18 when I received email notification that my auto policy premium was due, logged into my online account and only then saw the Cancellation Notice of the HO policy stating coverage ends 10/02/18. SHABBY AND UNDERHANDED! STAY AWAY!

I have my home and 2 cars insured by The Hartford for 4 years now. Perfect payments made on time and no claims. Now, all of a sudden I get a surprise visit by an inspector, no biggie -whatever. 2 weeks later they say the cost to rebuild my house has gone from 600,000 to a million. They are going to raise my rates and if I don't install a fire / burglar alarm with monitoring within 10 days, they will cancel my insurance. Well, the cost of the system initially to install will be around $4000 since I have many windows, and the monitor fee would be around $75 per month. I live in a gated community and never lock my door, with a sprinkler and fire detection system already installed. I called State Farm for a quote and they said the million dollar rebuild was not correct. I'm switching to State Farm on Monday. The Hartford is a predatory company that takes advantage and tries to intimidate their AARP customers. They are bullies.

If you don't have a claim, this is the best insurance company in the world. They sweet talk you and tell you how great you are. Don't believe a word of it. After more than 20 years with Hartford, thru AARP, my wife and I have never been so humiliated nor mistreated and abused than by the reps of this company. They lie and cheat in order to mitigate their liability. After discovering mold in our wall, we put in a claim. They sent a rep quickly but we didn't hear anything for several weeks but then on a Friday evening at about 4PM, Hartford called and told us that we need to vacate our home, grab a few things and go to the Marriott Hotel in Woodland Hills.

We had a puff back in the home last April and Hartford was fantastic. We were put in the Marriott Residence for approximately 5 wks. Hartford was so accommodating & went above and beyond for our family. They replaced all the carpets in 5 rooms plus hallway, had house painted inside & gave us reimbursement for curtains and draperies. I am sooo happy with Hartford.

We moved our policies to Hartford through AARP since we are retired seniors. Our neighborhood was recently hit with a hail storm and many homes suffered damages. A claims adjuster reviewed our damages with our contractor. The claims adjuster called and immediately on the phone stated we had no damage. He gave us piecemeal repairs recommendations. Since adjuster and contractor disagreed, the adjuster contacted Donan Engineering for another inspection. Gee not unbiased or objective at all! Huh!? Surprise! They agreed and we were given 2500 to cover our repairs! What does that fix!? And our neighbors who use Allstate, Farmers and others are all getting new roofs, gutters, siding, etc. Way to give great customer service to insured seniors Hartford! Moving our policies ASAP! DON'T USE HARTFORD.

I thought I was getting a good deal for packaging then found that even with the bundle I was paying almost $700 more on auto insurance even with bundle and no tickets or accidents than what I was quoted by MetLife. I changed auto and my homeowners went up $700. Wow...coincidence?

HOLD IT: if you are have insurance with Hartford or thinking about getting insurance, check it out. We have had insurance with them for years. After reviewing their rates with another local famous insurance co we find they have been ripping us off for tons of premiums. Would you believe almost twice the amount of what another co are charging for the exact same coverage, I called them and the guy on the other end says that the way it is, well that's not the way it is, we are canceling May 1st and saving enough to eat out for a year. Good luck No-hart Ford go broke ins. So now I'm checking the auto insurance.

Last month on the 28th of February, me and my elderly neighbor were victims to a gas fire in our complex. Now almost 1 month later and her insurance company has been giving her the runaround. Her and her son did all the leg work, itemized every item just for a adjuster representing the company to harass and disrespect her. Not only did she have to stay on the other side of town for a few days with her son, she also had to buy new clothes and food out of her own pocket. The company didn’t offer lodging funds nor refunds on the money she had to shell out. The fire was above her and it was gasoline, so nothing could be saved yet the woman came out and didn’t even offer help to accommodate her.

Smoke damage to Marion Swanson apartment - On February 28 my mother's neighbor set her apartment on fire using gasoline, that's the apartment right above my mom's. These apartment are over 60 years old lead paint and asbestos. So you get an idea of what type of toxic smoke damage we are talking about. The Hartford kept telling my mom they go far and beyond which is a total lie. The agent has not reimbursed for receipts over a month ago turned in. Also had emailed and had my mother itemized all her belongings which was 20 Pages 200 items and a smoked no electricity apartment. Her agent has been very argumentative unprofessional and uncooperative. My mother on SSI was unable to get a hotel at the time of the accident due to financial situation. The agent said they would only be able to reimburse her. She is on a fixed income and since it was the first all bills were paid.

Had a Homeowners Policy with the Hartford Insurance CO. I had a recent Lightning Strike of My AC unit. I am a Senior with Medical Problems (COPD). I need my AC to breath easily. I attempted to contact my Insurance Co. THE HARTFORD to file a claim to fix this, almost a MONTH ago. I have had several estimates and need this fixed quickly. My contractor took pictures and thoroughly documented the strike. Others in the area had similar things happen to them. I have properly maintained my unit and it was running properly at the time of the strike. After almost a month of Jerking me around, I was denied my claim. I was told by the representative that the unit was is too old to fix. Even though I have maintained this unit properly and it was running well prior to the strike. They (The Hartford) even went further to spend money to deny my claim by sending out their own contractor to say that this was not caused by the lightning strike. This is false.

On July 9th 2017 filed a claim with the Hartford. They gave me a claim number then I was told that they could not get an adjuster out to look at my roof until the 31st of July. When he did come it was a joke for what he did and the report that he wrote. I had Hartford for over 20 years and their service is the very worst. They do not care about the customer. All they want is for you to pay your premium and do not call us for a claim. I am going to the State Insurance Exam. In Mt. And tell them they need to investigate them and have them banned from selling Insurance in the State of Mt. If you are considering insurance please do no use The Hartford.