The Hartford - Homeowners Reviews

I got 3 insurance policies via AARP with The Hartford: Home, Business and Auto. Never made a claim on any! But when a fire was caused by hired HVAC workers (who accept full responsibility), on 5/2, The Hartford wrote me letters of non renewal for business and home on 6/25, effective 8/8/17. I've exhausted EVERY possibility to find homeowner’s insurance, but CANNOT be covered because The Hartford is leaving me with an OPEN CLAIM and repairs in progress. Unfathomable.

My credit card was changed several months ago which led to Hartford to cancel my insurance. That is understandable and I realize that there was my fault in it, however the amount of communication that Hartford did to address such an important issue was fascinating: I did look through my correspondence and it appeared that they sent only ONE EMAIL (which landed in the spam folder). There were NO CALLS and I received NO REGULAR MAIL. So it turned out that I was living without insurance for several months without even knowing about it. Fortunately, my bank contacted me about the matter and I didn't learn about it the hard way. If you want to suddenly find out that your insurance is gone - go Hartford.

Hartford Financial Services, Inc., 1750 E Golf Rd. Ste 140, Schaumburg, IL 60173: This company has continued to send a package, which I never asked for, via UPS and then switched over for delivery by my postmaster. My postmaster delivered my package to another address since it never arrived at my home even though its status was delivered. The post office is checking into this, but states it is 3rd class mail that does not need to be signed for and they do not know who sent the package. I called my mortgage company who says they are not affiliated with the Hartford Financial Service, Inc, in IL and gave me their phone number.

The generally understood concept of insurance is that the insurance company assumes your exposure to financial loss for the price of a premium, which it collects from all insurers, pools, and then disburses to those suffering losses. But it doesn’t work that way for the smaller losses that happen with higher frequency, as in my case where the Hartford essentially gave me a $950 dollar loan at a three year interest rate of 24.5%. My metal garage door was crushed overnight to the point of not opening by probably the paper person (no note, soft confession). Claims people were very helpful - no worry man. What they failed to disclose was that this one $950 (after $250 deductible) claim would increase my annual premium by $550 a year for at least the next 3 years! This is after 30 claim free years with the Hartford and having a very high credit rating.

I called The Hartford to get an update on an account. They said all lines were busy but they could call me back in 20 minutes if I told them my number. I did this. Someone calls back in 20 minutes, then she got my account information, then they hung up on me with no explanation. Terrible terrible service. This is a terrible insurance company with terrible service. I wonder what happens when you try and file a claim!!

I want to thank Hartford Insurance for their prompt service they gave us after damage to our home from a windy storm. Called 1st thing the morning it happened, a very nice American Woman started the procedure to get my needs accompanied. Within a couple hours an adjuster called and a couple more hours there was a gentleman knocking at my door to do the review of my damage. Within the hour he gave us the estimate and said our money would be in the bank in 48 hours. Thank you HARTFORD.

In short, the Hartford tried to pay about 10% of the claim, making us fight for every penny. They had sent out 5 investigators/adjusters, used stall, starve out and other unethical tactics to pay what they owe. They have a script and go by it well to minimize the amount they pay out. In addition, there is no incentive for this, or any insurance company to pay what they actually owe.

We had an issue with a leak behind a wall in 2014. The entire wall was taken down and replaced, down to the wiring and hoses to the fridge. We had no issues with the claim then, they were pretty decent. Then, we found out the mold had regrown and were told it could be attached to the first claim and then I would only have the remainder of the $5000 limit or if they decided it was new then we would have the entire $5000 less the deductible. Well, when they saw the damage wasn't as extensive they decided it would be best to make it a new claim so they can charge off the deductible again and give me $91 even though there is no current leak and SERVPRO called it "dry mold". I have called, emailed, called, emailed asking for an explanation as to how they decided to say it was a "new instance". Why no reply? I would guess because the only reason they had for making it a new claim was to not pay me.

I submitted a homeowner's claim to the Hartford on 6/10/16. Today is 10/2/16 and I just received an estimate last week, almost 4 months since the start of the claim but not yet in writing, a task that would take about another 10 days. A leak was discovered right outside of our Master Bedroom and Bath due to a faulty sprinkler head. Apparently, the mold that grew was because of the leak. The adjuster for this claim was changed 3 times, from one adjuster to another and another.

I had the Hartford Homeowner Insurance for 5 years. I had one claim for water damage resulting from a broken shower faucet. Hartford increase my premium from $1,450. to $2,500. AND did not notify me of the increase. I became aware of the HIGH increase when my mortgage company notified me that my monthly mortgage payment was being increase to cover the shortage in my escrow account. I called the Hartford thinking there must be an error and was told by all three levels of management "Yep, that's the way it is!" I shopped around and found the SAME coverage with Travelers Insurance for $1,030 a year!!! I called Hartford, cancelled my policy and THANKED them for motivating me to find the SAME coverage for LESS than what I was paying Hartford BEFORE the massive Insurance premium increase!!!

Home fire Dec 2015. Home to date, August 2016 - ZERO resolution. Consistently, the rudest, most dismissive customer service ever experienced. No matter how good your records are and what proof you have... you the customer, are not who Hartford is concerned with helping. Full replacement value on my home. In brief, from loss to July 1, we sat in our damaged home, in unhealthy conditions (finally determined by an environmental hygienist in August 2016 at my insistence to have home evaluated) unable to use heat or a/c from date of loss until I called and insisted they find & provide us housing elsewhere. IT WAS NEVER OFFERED until I mentioned retaining an atty.

I wish I did not have to give the Hartford a star at all. We recently moved to Rosharon Texas for a job that my husband took on. We were forced into taking a Craigslist.org house because the business was too lazy to help us find a much better home. They needed him to start ASAP so they helped dump the Uhaul so we could return that the same day we got the house. Anyway, the house was totally redone on the inside so there was no real concern that there was a problem.

I found their auto rates to be competitive, but they slammed me on home rates in my combined policy. Started out great, but... I would like to know how any insurance company can justify increasing rates on a homeowner's policy by 20% four years in a row. I have filed no claims, or had any losses. In 2013 I paid $654.00. In 2014 I paid $780.00. In 2015 I paid $855.00. And now in 2016 they raised it to 1,104.00. So, it was goodbye to The Hartford. I'd had enough.

I'm getting total ripped off. My premiums have more than double in a 2-year span. With no claims filed!!! Went from 649.00 year 2014/2015 then jumped in year 2015/2016 to 10,033.00. Now jumping from year 2016/2017 to 1,289.65. This is highway robbery! Who is padding their pockets!!! Premiums should never double in a 2-year span with no claims! I will get to the bottom of this. I called my local brand DCI and explained my issue. She said she would call me back. I waited 4 hours and called her back. She promised she would get back to me before the end of the business day. Surprise. She did not. BEWARE. I will not be ripped off.

This company is a scam. I have 92 year old lady stays with me - bathroom floor is gone mushroom growing. Have filed 3 different time and still no help. This is a company stealing money from people who think this a legitimate business. Since you don't help with claims give me my ** money back.

This company is just downright heartless. My father recently passed and his accounts frozen and a payment was missed so the policy was cancelled (It was on auto pay). We called to notify them of his passing and found this out. They refused to reinstate the policy and said she must wait 1 year before she is reconsidered. They have never been late on a payment and how cruel is it to treat a person this way when they are grieving a loss.

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. We have had a couple of claims, and they were so helpful, from beginning to end. We were really distraught one year, we had water in our basement, over a foot high... We lost a lot of personal effects, carpeting, we thought was ruined. The contractor they contacted worked so quickly, they were able to save it. Over the years, we did try to stay with one company, but they did not consider us as loyal. So we dropped them... The Hartford has been there for us, all the way. And has never threatened to drop us.

When I switched to Hartford I got a big drop in cost from my previous company. I think it is worth looking around for a better price. I was able to switch and save $400 the first year alone.

I am very pleased with my homeowners policy that I have through the Hartford, I would not hesitate to recommend them to anyone. They are very helpful when they are needed.

I'm very happy with our current insurance. We haven't filed a claim in a long time, but last time we did it was fine.

If you have a claim Hartford is a good company. They pay promptly and there is no long time lag. I would recommend this company to anyone looking for insurance.

Happy with correct billings statements. Have never made any claims and so have no experience with how they handle claims or the process. They make it easy to re-enroll every year.

My now 92 year old mother had a flood in her home. The agent started out nice but then stopped returning my calls. Even the supervisors stopped calling. I had to get a lawyer and they won't return his calls either. I feel like they are just waiting for my mother to pass away so they don't have to pay.

No problems with them and they give the most for the price. Their reps are very good and their web site is easy to follow. There are no hidden stuff and the cost is the cheapest on the market. And cannot find anything better and I check all the time.

Rates are very affordable, have more than enough coverage for the rate paid. Have never filed a claim, so can't comment relative to claims service. Overall, very pleased in dealings with company.

Their website is very easy to navigate and you can get their quotes online without any annoying phone calls. Their rates are very competitive with State Farm and Allstate. They also give the multi-policy discount if you want other insurance like auto. Also available through a local representative if you prefer the personal contact.

While I have never had to file a claim, they have been very helpful in making sure I have the right amount of coverage and at a reasonable price. Any time I would call with a question they were always quite able to answer it to my satisfaction. When ever I make any improvements to my home I just call them and let them know and boost the coverage to the limit that I would need.

Hartford insurance has always treated me more than just another customer to them. All of the representatives for the company have taken the time to know you on a more warm and personal level not just another money maker for their company. The local agents all know me and my family and even remember our dogs. Our Hartford rep even took the time to send my son a Birthday and also a Get Well Soon card in the mail and is almost like part of our family.

I can call them when I have a question. They know how to call me back with an answer. Any paperwork I need they do mail out to me right away. I recommend them to all my family members and associates.

I'm a 74 years old widow, and these agents seem to think I'm stupid. Eleven months after reporting leak with mildew and mold, this claim is still not settled. When I complain, Hartford sends me back to the same supervisor who didn't fix the problem the first time.

I feel they have my best interest at heart. I have never had any problems with them from the first day till now. The amount I pay it perfect for my budget. The customer service department is so good. They are friendly, make me feel like they are part of my family and enjoy my phone calls and questions. I have always been able to get in touch with them at any time.

Though expensive, the company is quick to respond and easy to deal with. They have a good telephone reporting system and are quick to respond to claims and requests. Their record keeping when you have multiple policies with them can frequently get confusing as they have misapplied payments on numerous occasions.

I have had a pleasant experience with Hartford, through a hail storm. They were fast, courteous and fair. Then when I asked them to adjust my rates, they did just that, without trying to talk me into more coverage.

No issues, never have filed a claim to have interaction with them so can't really respond as my insurance is paid thru my mortgage. So I have no real interaction with them.

This company provides several options to insure a quality product. The company also seems to use agents that are well informed of the product they represent.

We changed to the Hartford insurance over a year ago because the rates were more affordable and the switch over was easy. We have not had to make a claim thus far so I cannot talk about the ease of making a claim. So far we are pleased with the company.

Homeowners policy was easy to sign up for. It is cost efficient. It covers all of my major concerns. It comes with a discount because I also have auto insurance with the same company.

My claim is taking forever, and I feel I don't see the end of it. This loss was on July 20th, 2015. As of today September 18th, 2015, nothing is resolved. My house was built in 2013. It is our dream house. A power surge has damaged three of my central air units, two of my bathroom Jacuzzis, and my electronic panel for my well pump. I had no water for two days. I had no air conditioner for almost two months, which is the rest of the summer. Not to mention the contractor the insurance sent was so incompetent that he had sent four contractors to my house and still has not figured out an estimate for the two Jacuzzis. The contractor was very unprofessional. He disconnected two of my bathroom Jacuzzi motors, and took them away. Now they were left in our driveway without being put back in my Jacuzzis.

We are 20 months into a dispute with Hartford Insurance. We have been model customers for 13 years with no claims and consistent on-time premium payments for our homes and automobiles. We had extensive water damage in our home of 23 years in December 2013. The project manager of the water mitigation company worked under Hartford's direction. The service invoice was submitted directly to Hartford. The check was sent for us to endorse, without documentation of work performed. Our requests for the invoice were ignored. Hartford and the project manager constructed a restoration settlement amount but the project manager was unable to hire subcontractors with the amount he had "negotiated." In his own words, he could not do the job because "To be honest with you, this is more than I can handle." There was never a contract so there was nothing to terminate.

They claim I need new roof.. Tiles were okay but am putting on new roof. Had a sign up about having biting dog (no dog.. sign was up to keep thieves from breaking in). They gave me no option to fix any issues which are not that bad, before renewal time. They just told my agent, they will not renew me... I have lived in my home for 43 years and never had one claim and never had a claim with my car... and suddenly I'm not allowed to renew. Got to find other insurance now. They will not get to keep my car insured there. They don't want my house, they don't get my car either. This was totally unfair treatment.