As a homeowner, it’s easy to worry about the unexpected occurring to your home. All kinds of incidents, from hailstorms and fires to theft and vandalism, can lead to serious inconveniences, not to mention high out-of-pocket expenses.
Luckily, with a home insurance policy, homeowners can rest easy at night knowing that their home’s structure and contents are safeguarded when these unwelcome incidents occur.
However, it’s not as simple as picking a home insurance company’s name out of a hat. Companies can differ in terms of their coverage options, their availability, the quality of their customer service, and more.
The Hartford home insurance review below, completed by the This Old House Reviews Team, provides information to help you determine if the company is the best fit for you and your home.
Table of Contents
- Our Take
- Pros & Cons
- Customer Reviews
- The Hartford vs. The Competition
- Company Information
Our Take on The Hartford Home Insurance
The Hartford, a Connecticut-based company with more than 200 years of experience, offers extensive home insurance coverage through its partnership with AARP. It seems that, in most cases, coverage is only available for AARP members, but the details aren’t clear. Many endorsements are available, making it very easy to customize your coverage.
Unfortunately, The Hartford’s home insurance coverage is only available in 28 states. Overall, we give the company a score of 93.62 out of 100 on key metrics like coverage, availability, customer service, and more.
On The Hartford’s Better Business Bureau profile, complaints cite billing issues and difficulty receiving refunds. Reviews note poor customer service and long delay times.
Pros & Cons
The Hartford Home Insurance Pros & Cons
|More than 200 years of experience||Only available in 28 states|
|Many endorsements||Difficult to contact directly—site redirects to AARP|
|Several tiers of plans|
The Hartford offers all industry-standard coverage in its basic policy through AARP.
The Hartford Home Insurance Coverage
|Dwelling + other structures||Coverage of your home’s interior and exterior structure, along with detached structures like garages and sheds|
|Personal property||Coverage of your personal property, including furniture, appliances, electronics, and clothes, in case of a covered loss|
|Loss of use/Additional living expenses||Coverage of costs associated with living outside of your home, including dining and accommodations, when it is temporarily uninhabitable due to covered damage|
|Personal liability||Coverage of legal fees if you are sued for injury or personal property damage to a guest on your property|
|Medical payments||Coverage of medical expenses of a guest who gets injured at your home|
The Hartford offers many endorsements to allow you to customize your home insurance coverage.
|“New for Old” Protection||Replaces your covered personal property with brand new items of the same quality|
|Personal injury liability||Protects against damages from libel or slander|
|Reimbursement for replacing locks||Pays up to $500 for new locks if your keys are lost or stolen (with a $100 deductible)|
|Identity fraud expense||Covers your out-of-pocket expenses, up to the policy limit, of restoring your identity|
|Disappearing property deductible||Reduces your deductible by $50 for every three years you go without having a loss|
|Equipment breakdown||Covers the cost of repairs or replacements of home systems, electronics, and appliances that break down (note: wear and tear damage does not apply)|
|Valuable items blanket coverage||Extends your coverage for damaged or lost valuables|
|Green rebuilding||Raises your policy limits up to 10% when you repair or rebuild with environmentally friendly materials|
|Replacement plus patented coverage||Covers the additional costs of rebuilding a bathroom or kitchen with Universal Design features|
|Assisted living care coverage||Extends your liability, additional living expenses, and contents coverage to your relative in an assisted living care facility|
|Scheduled personal property||Covers 100% of selected items’ insured value if they are damaged or destroyed|
|Rental property protection plus||Provides the liability coverage for up to four family rental units|
|Water backup and sump pump overflow||Covers the damage from water backup and sump pump overflow|
The Hartford offers two tiers of home insurance coverage through AARP. You can add other endorsements to your plan.
|“New for Old” Protection||✓||✓|
|Personal injury liability||✓||✓|
|Reimbursement for replacing locks||✓||✓|
|Identity fraud expense||✓ ($25,000 limit)||✓ ($50,000 limit)|
|Disappearing property deductible||✓||✓|
The Hartford home insurance, provided through its partnership with AARP, is available in the following 28 states:
- New Hampshire
- New Jersey
- New Mexico
- North Carolina
- South Carolina
- West Virginia
How Much Does The Hartford Home Insurance Cost?
The exact amount you pay for The Hartford homeowners insurance will depend on multiple factors, including your property value, the size of your home, the materials it was constructed with, where you live, the coverage limits you select, the insurance deductible you choose, and more.
The Hartford offers a few discounts to help lower the cost of your homeowners insurance coverage.
The Hartford Home Insurance Discounts
|Multi-policy||Discount for bundling your auto and home insurance policies|
|Protective devices||Discount for installing devices like smoke detectors or burglar alarms|
|Retiree||Discount for retired homeowners or homeowners who work less than 24 hours per week|
|Claims-free||Discount for goinga specific period of time without filing a claim|
Customer Reviews of The Hartford Home Insurance
The Hartford homeowners insurance reviews we found on the company’s Better Business Bureau profiles were all negative, but it’s worth noting that the majority of BBB reviews for most home insurance companies are left by unhappy customers.
The company has several BBB profiles, each devoted to a different franchise location. Its reviews are all housed on its headquarters page, which is not accredited but holds an A+ rating from the organization. See what some customers had to say about their experience with The Hartford.
Ann N. said:
“Dishonest company. Added extra fees to the initial quote at the end of the policy without customer knowledge.”
Kevin H. said:
“Horrible, they do not know how to communicate with customers or help contractors complete insurance work for the insured. We found more damage than they approved and it’s been two months since I submitted my revised estimate to them. I’m about to file a legal grievance on a couple of reps.”
The Hartford vs. The Competition
See how The Hartford stacks up against some of its top competitors on key metrics.
|Get a Free Quote||Not available through This Old House||Visit Site||Not available through This Old House|
|State Availability||28||23*||47 (not available in AK, FL, or HI)|
|Years in Business||211||6||114|
|24/7 Claims Service by Phone||✓||✓||✓|
|Protective Devices/Safety Features Discount||✓||✓||✓|
|Ordinance protection included||X||X||X|
*Lemonade home insurance is available in AZ, CA, CO, CT, GA, IL, IN, IA, MD, MA, MI, MO, NV, NJ, NY, OH, OK, OR, PA, TN, TX, VA, WI
The Hartford offers extensive homeowners insurance coverage, featuring many different endorsement options, in nearly every state. Unfortunately, it offers its home insurance through AARP. While it appears that some people who are not members of AARP can qualify, the details on this are lacking.
It might also frustrate some customers that they need to contact AARP when they have claims issues or customer service concerns instead of going straight to the source and contacting The Hartford. Overall, we give The Hartford a score of 93.62.
- Company name: The Hartford
- Company type: Public
- CEO: Christopher J. Swift
- Year founded: 1810
- Headquarters: 1 Hartford Plz, Hartford, CT 06155
- State availability: 28
- BBB rating: A+
The Hartford Home Insurance FAQs
Does The Hartford offer home insurance?
Yes, The Hartford offers comprehensive home insurance policies through its partnership with AARP.
What does The Hartford homeowners insurance cover?
Available through AARP, The Hartford’s homeowners insurance policies cover all industry-standard coverage, including dwelling, other structures, personal property, loss of use/additional living expenses, personal liability, and medical payments to others.
What is the Number 1 insurance company?
The This Old House Reviews Team believes that Allstate is the “Best Overall” home insurance company, highly rated for its excellent customer service, customizability, and affordability.
Is The Hartford insurance through AARP good?
The Hartford offers comprehensive home insurance through AARP, including everything a standard homeowner needs in addition to all kinds of helpful endorsements that allow customers to customize their coverage.
The This Old House Reviews Team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:
- Coverage (30)
- State availability (7.5)
- Customer service (15)
- Technology (12.5)
- Reputation (20)
- Additional benefits (15)
Our Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.
To share feedback or ask a question about this article, send a note to our Reviews Team at email@example.com.