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The Hartford Home Insurance Review

The Hartford home insurance is comprehensive coverage, including many endorsements, through its partnership with AARP across 28 states.

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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 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

Let’s compare the advantages and disadvantages to home insurance coverage from The Hartford.

The Hartford Home Insurance Pros & Cons

Pros Cons
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

Type Description
Type Description
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.


Type Description
Type Description
“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.

Endorsements Add-ons

Coverage Advantage Advantage Plus
Coverage Advantage Advantage Plus
“New for Old” Protection
Personal injury liability
Reimbursement for replacing locks
Identity fraud expense ✓ ($25,000 limit) ✓ ($50,000 limit)
Disappearing property deductible
Equipment breakdown N/A


The Hartford home insurance, provided through its partnership with AARP, is available in the following 28 states:

  • 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
  • Vermont
  • Virginia
  • West Virginia
  • Wisconsin

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

Type Description
Type Description
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.


Provider The Hartford Lemonade Amica®
Provider The Hartford Lemonade Amica®
Get a Free Quote Not available through This Old House Visit Site Not available through This Old House
Our Score 93.62 83.50 96.60
State Availability 28 23* 47 (not available in AK, FL, or HI)
BBB Rating A+ B+ A+
Years in Business 211 6 114
24/7 Claims Service by Phone
Protective Devices/Safety Features Discount
Ordinance protection included X X X
Bundling Discount
Mobile App

*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

Our Conclusion

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.

To ensure you find the right provider for your needs, we recommend getting quotes from multiple home insurance companies that serve your area by calling 855-948-5219 or using this tool:

Company Information

  • 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.

Our Methodology

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