Overview of The Hartford Home Insurance

Founded more than 200 years ago, The Hartford's history includes insuring Abraham Lincoln's home, offering the first policy to an institution of higher learning (Yale University), covering Babe Ruth in 1920 in a policy protecting him against disability, insuring such construction projects as the Golden Gate Bridge and the Hoover Dam and acting as a founding partner of the U.S. Paralympics. The Hartford has also been the AARP's direct property and casualty insurer for both auto and home since 1984. Its longstanding reputation and breadth of experience have certainly helped it to become the 14th top-ranked home insurers in the country, according to JD Power.

How Does The Hartford Home Insurance Rate?

Consumer Satisfaction Rating

These ratings are from the J.D. Power 2016 U.S. Household Insurance Study - Homeowners Insurance.. The highest score for each category is five stars. The Hartford Insurance Company subsidiary rated here may not be the subsidiary that underwrites your insurance policy. Check with your insurance agent for more information.

Policy Offerings
Billing & Payment
Contacting the Insurer
Customer Complaint Ratio

The National Association of Insurance Commissioners collects complaint information from state insurance regulators. The national median complaint ratio is 1. A score of less than 1 means a company has a less than average number of complaints, while a score higher than 1 means it has more than average. Find out more from the NAIC website. The Hartford Insurance subsidiary rated here may not be the subsidiary that underwrites your insurance policy. Check with your insurance agent for more information.

Last Updated: July 2017

Financial Strength Rating

A Best's Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company's financial strength and ability to meet its obligations to policyholders. View our Important Notice: Best's Credit Ratings for a disclaimer notice and complete details at http://www.ambest.com/ratings/notice.

Financial Strength is rated on a scale of D (poor) to A+ (superior). A rating notch of either a second "+" or a "-" indicates the gradation of financial strength within the category. We can't guarantee that the subsidiary of The Hartford Insurance rated here is the subsidiary that will underwrite your insurance policy. Check with your insurance agent and review A.M. Best's Financial Strength Rating Guide for more information.

Best's Credit Ratings™ are under continuous review and subject to change and/or affirmation. For the latest Best's Credit Ratings™ and Best's Credit Reports which include Best's Credit Ratings™), visit the A.M. Best website at http://www.ambest.com. See Guide to Best's Credit Ratings™ for explanation of use and charges.

Best's Credit Ratings™ reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of MoneyGeek.com or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best's Credit Ratings™. Best's Credit Ratings™ are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.

Source A.M. Best
Rating A+

Effective Date: July 2017

Website Features
  • Rate calculator
  • Mobile app
  • Pay bill online
  • Make claim online
  • Household inventory tool

Pros and Cons of The Hartford Home Insurance


  • The online quote tool pulls much of the physical information about your home for your quote from online data, including square footage, foundation shape and type, and roof shape and materials.
  • Many of the extra coverages that you want on a policy are already packaged together into The Hartford's Homeowner Advantage and Advantage Plus programs.
  • The Hartford provides tools to help prepare against catastrophe, as well as useful resources such as mobile response vehicles to aid policyholders in the event of disaster.


  • The Hartford's customer complaint ratio is a whopping 10.72, much higher than the median score of 1.
  • The mobile app is focused on auto and general policy management, without tools or resources specific to your home insurance.
  • The loss-of-use coverage has a monetary cap rather than covering all reasonable costs.
  • The Hartford doesn't allow for a separate deductible amount related to wind-damage losses.
  • Online quotes are not available in all states where The Hartford writes home policies.

The Hartford Home Insurance Coverage

The Hartford's clientele base is largely made up of homeowners of retirement age, many of whom have built up assets that need to be protected. The homeowner insurance options reflect this, with high-liability options and packages designed to help protect a more comfortable standard of living.

The standard coverage options are presented in two packages, and though neither would be considered a bare-bones set of protections, one is slightly more generous in its coverages.

Dwelling coverage

The company's software will determine the dwelling coverage limit, but be sure that you include details about any upgrades or renovations in order to receive adequate coverage.

Other structures

This will automatically be calculated at 10 percent of the dwelling coverage. If you need a larger limit due to special circumstances, such as a large workshop or shed, you'll need to speak with an agent.

Loss of use

Some companies don't place a limit on this coverage and will pay for the total (reasonable) costs incurred. Other companies automatically cap this limit at 30 percent of the dwelling coverage. The Hartford sets it at just 25 percent of the dwelling coverage.


Many companies offer this coverage in a range of $100,000 to $500,000, or even as high as $1 million. The Hartford's liability limits run from $400,000 to $800,000, in $100,000 increments.

Medical payments

This is another coverage for which other companies offer a wider range of options. The Hartford offers medical payments coverage at either $5,000 or $6,000.


The Hartford allows you to choose from among a wide range of deductible levels ranging from $500 all the way up to $10,000.

Home Advantage package

This package is designed to bulk up a typical base policy by providing additional coverages not often found in a standard policy. Its suite of features includes Identity Fraud Expense coverage, "new for old" protection that provides actual costs instead of depreciated costs for personal items, personal injury liability coverage in the case of damages arising from libel or slander charges and reimbursement for lock replacement.

The optional coverages offered by the Hartford are reasonable and helpful, providing assistance for situations that homeowners would appreciate being reminded of, rather than simply appearing as opportunities for the company to up-sell you.

Home Advantage Plus package

This is an upgrade to the Home Advantage package. The Advantage Plus package includes all the options in the basic Advantage package, plus equipment breakdown coverage, a disappearing property deductible and a variety of coverages for unique homeowner needs.

Equipment breakdown

A coverage more typically seen in home warranties, this coverage addresses the cost of repairing or replacing appliances or electronics that break down after normal use. It even includes a green upgrade feature in case you prefer to replace the equipment with eco-friendly products, and it covers the additional costs associated with expedited repairs or replacements. This coverage comes included in the Advantage Plus package, or it can be added individually to the basic Advantage program.

Valuable items blanket

Nearly everyone has property that falls under the "special limits of coverage" category, such as artwork or other valuables, yet few people take steps to provide additional coverage for these items. This option provides all-risk coverage for specific types of valuables.

Green rebuilding

With this option, if you need to repair or rebuild, this option increases your policy limits up to 10 percent to allow you to choose environmentally-friendly materials.

Water backup and sump pump overflow

This water backup coverage doesn't come included automatically in your home insurance policy. It covers property damaged from backed-up water from plumbing or a sump pump, not damage from flood or surface water. The basic coverage amount is $5,000, though other amounts may be available.

Assisted living care coverage

This option will extend many of your home insurance coverages to a relative who lives in an assisted living care facility.

Scheduled personal property

This additional coverage provides 100 percent of the insured value of selected items if damaged or destroyed in a total covered loss.

Available Discounts on The Hartford
Home Insurance Coverage

The number of discounts available for The Hartford's home insurance are limited. But if you're able to stack a few of them together, they can add up to a nice savings.

Type of Discount Description
Bundle discount If you insure both your car and your home with The Hartford, you can save up to 20 percent on your home insurance policy.
Home security or protective devices credits Having burglar alarms, sprinkler systems or even something as simple as a deadbolt lock or smoke detector can earn you a discount.
Renewal credit Also known as a longevity or loyalty discount, this savings is available to you when you renew your home insurance policy for four years.
Retiree credit Reflective of the target market, this is a discount for policy holders who are retired or who work less than 24 hours each week.
AARP membership Having an AARP membership can lower your homeowner insurance rates.

How to Make a Home Insurance Claim with The Hartford

To file your home insurance claim, you can anytime, 24/7, or report the claim online. During the process, you can call or log in online or on your mobile app to check the status of the claim. Depending on the severity of the claim, you might need help building an inventory of lost or damaged property—The Hartford will help with this and will contact repair and cleaning services.

How to Contact The Hartford Home Insurance

States Served