The Hartford - Homeowners Reviews
Our promise. We provide a buying advantage with verified reviews and unbiased editorial research.
About The Hartford Homeowners Insurance
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
Featured 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...
Read full reviewWe 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...
Read full reviewWhat 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
Filter by Rating
- (11)
- (9)
- (3)
- (10)
- (76)
Popular Mentions
- 4,550,757 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
A link has directed you to this review. Its location on this page may change next time you visit.
- 4,550,757 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
The Hartford Homeowners Insurance Company Information
- Company Name:
- The Hartford
- Year Founded:
- 1810
- Address:
- One Hartford Plaza
- City:
- Hartford
- State/Province:
- CT
- Postal Code:
- 06155
- Country:
- United States
- Website:
- www.thehartford.com