The Hartford brings over 200 years of experience as a leader in property and casualty insurance, group benefits and mutual funds. It protects more than 1.3 million small businesses and has partnered with AARP members for over 40 years. Through its insurance products, The Hartford aims to build resilience in communities and empower personal and business success.
The Hartford Home Insurance Review
Updated: December 3, 2025
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Key Takeaways
The Hartford brings over 200 years of insurance experience and has protected AARP members for over 40 years.
The Hartford offers 14 additional coverage options, including ProtectorPLUS Zero Deductible Benefit and green rebuilding coverage.
The Hartford provides four discounts, including auto and home bundle savings and fire protection discounts.
The Hartford Home Insurance: Quick History
What Does The Hartford Homeowners Insurance Cover?
The Hartford's home insurance includes the six standard home insurance coverages that protect your property and finances, plus additional options you can add to customize your policy.
Dwelling Coverage
Dwelling coverage covers repair or replacement costs for your home's main structure after events like storms or vandalism. The coverage extends to attached components such as built-in appliances and permanent fixtures.
Other Structures Coverage
Other structures coverage applies to detached buildings on your property, including garages, sheds, fences, gazebos and detached workshops.
Personal Property Coverage
Personal property coverage covers your belongings throughout your home, including furniture, electronics, clothing and household items.
Personal Liability Coverage
Personal liability coverage pays legal expenses and damages if someone gets injured on your property or you accidentally damage someone else's property.
Medical Payments Coverage
Medical payments coverage covers medical expenses for visitors injured at your home, even when you're not legally responsible. The coverage applies to small medical bills from accidents on your property.
Loss of Use Coverage
Loss of use coverage covers hotel bills and restaurant meals when you can't live in your home due to covered damage. The coverage extends to additional expenses like pet boarding, storage rental and extra commuting costs.
Optional Home Insurance Coverages from The Hartford
The best home insurance companies provide endorsements to increase your coverage — The Hartford has 14, though availability varies by state. Endorsements are add-on coverages that extend protection beyond what standard policies provide. Review the table below to see which additional coverages The Hartford offers.
Additional Limits Coverage | Pays the full cost to rebuild your home up to 125% of your coverage limits if your home is a total loss, with limits up to 150% available depending on your location. |
ProtectorPLUS Zero Deductible Benefit | Waives your homeowners insurance deductible up to $5,000 when your home sustains severe damage from a qualifying loss exceeding $32,900. |
"New for Old" Protection | Replaces your covered belongings with new items of the same quality instead of paying depreciated value. |
Personal Injury Liability Coverage | Covers damages and legal costs if someone files a libel or slander claim against you. |
Reimbursement for Replacing Locks | Pays up to $500 to replace locks when you lose your keys or someone steals them, subject to your deductible. |
Identity Fraud Expense Coverage | Reimburses out-of-pocket expenses up to specified limits when you need to recover your identity after fraud or theft. |
Disappearing Property Deductible | Lowers your deductible over time after you maintain a claim-free record for three years. |
Equipment Breakdown Coverage | Pays to repair or replace home systems or appliances that break down, excluding damage from normal wear and tear. |
Valuable Items Blanket Coverage | Covers valuables up to $10,000 per item and extends protection for lost or damaged valuable items. |
Green Rebuilding Coverage | Increases your policy limits up to 10% when you use environmentally friendly materials to repair or rebuild after a loss. |
Replacement Plus or Easy Living Upgrade Coverage | Pays extra costs to rebuild your kitchen or bathroom with Universal Design features that make your home more accessible. |
Water Backup and Sump Pump Overflow | Covers property damage from backed-up water or sump pump overflow, excluding flood or surface water damage. |
Scheduled Personal Property | Pays 100% of the insured value for specific items you select if they're damaged or destroyed. |
Rental Property Protection Plus Landlord Insurance | Provides liability coverage for rental properties with up to four family units. |
What Does The Hartford's Home Insurance Not Cover?
The Hartford's standard home insurance excludes specific types of damage that need specialized coverage. Natural disasters like floods and earthquakes, along with deliberately caused damage, aren't covered under basic policies.
Certain Natural Disasters
Homeowners insurance excludes flood damage from storms, overland water flow and ground movement from earthquakes. Purchase flood insurance separately through NFIP and add earthquake coverage through an endorsement or separate policy.
Intentional or Preventable Damage
The Hartford won't pay for damage you cause deliberately or problems that develop from poor maintenance. This includes mold growth from ignored leaks, pest infestations or deterioration from lack of upkeep.
High Value Items
Standard coverage limits may not fully protect expensive jewelry, art, collectibles or business equipment. You can add scheduled personal property coverage or valuable items coverage to protect these possessions adequately.
The Hartford Homeowners Insurance Discounts
You can get affordable home insurance by qualifying for any of The Hartford's four available discounts, but you'll need to confirm with an agent which discounts your state offers. Review the table below to see how each discount works.
Auto and Home Bundle | Save up to 12% on auto insurance and 20% on home, condo or renters insurance when you bundle policies, with total savings exceeding $800 for AARP members. |
Fire Protection | Qualify for a discount when you install fire sprinkler systems or monitored fire alarms in your home. |
Home Security System | Reduce your premium by adding burglar alarms or security systems to your property. |
Paid-in-Full Discount | Receive additional savings when you pay your entire insurance bill upfront instead of making monthly payments. |
How to Buy The Hartford’s Homeowners Insurance
You can buy home insurance from The Hartford through its website or by working with a licensed agent. The Hartford makes the purchase process straightforward whether you prefer online shopping or personalized guidance.
- 1Calculate Your Coverage Needs
Figure out how much home insurance you need by estimating your home's rebuilding costs and the value of your belongings. Create a home inventory that lists your possessions with photos and receipts to determine accurate personal property coverage limits.
- 2Request a Quote Online or Through an Agent
Visit The Hartford's website to get an online quote by entering your home details and coverage preferences. Alternatively, call an agent through their number, 1-800-860-0638, who can walk you through the quoting process and answer questions about policy options.
- 3Compare Policy Options
Compare the coverage options, deductibles and premium costs The Hartford offers against your needs and budget. Evaluate which optional endorsements make sense for your situation and whether standard coverage limits provide adequate protection.
- 4Apply for Discounts
Ask about discounts you qualify for, including bundling savings, fire protection discounts and home security system reductions. Apply for every discount that matches your situation to maximize your savings.
- 5Review and Finalize Your Policy
Check all policy information for accuracy, including your coverage selections, property details and premium amount, before submitting your application. Set up billing and payment preferences to begin your coverage on your chosen start date.
How to File a Homeowners Insurance Claim with The Hartford
The Hartford lets you file homeowners insurance claims through its online portal, mobile app or phone line for immediate assistance. Starting your claim promptly helps speed up the inspection and settlement process.
- 1Contact The Hartford to Report Your Claim
Call The Hartford's claims hotline or use its website or mobile app to report the damage immediately after it occurs. Provide basic information about what happened, when it happened and the extent of the damage you can see.
- 2Record Evidence of the Damage
Take photos and videos of all damaged areas, belongings and structural problems before making any repairs. Create a detailed list of damaged items with descriptions, purchase dates and estimated values to support your claim.
- 3Arrange for an Adjuster Inspection
The Hartford will assign an adjuster to inspect your property and assess the damage in person. Prepare to show the adjuster all affected areas and provide receipts, warranties or other documentation for damaged items.
- 4Examine the Settlement Offer and Begin Repairs
Review the settlement amount The Hartford offers and ask questions if anything seems unclear or incomplete. Once you accept the settlement, hire contractors to complete repairs and keep all receipts for reimbursement purposes.
Other The Hartford Products
The Hartford provides auto and business insurance beyond its homeowners products.
Auto insurance | The Hartford provides car insurance with standard liability, collision and comprehensive coverage options for individual drivers and families. |
Business insurance | The Hartford offers commercial insurance products to protect small businesses and their operations from various risks. |
The Hartford Home Insurance Review: Bottom Line
The Hartford brings over 200 years of insurance experience and serves more than 1.3 million small businesses with a focus on customer service excellence. You can purchase coverage online or through an agent, with options to add specialized endorsements to enhance your protection.
The Hartford provides 14 optional coverages to customize your homeowners policy, including ProtectorPLUS Zero Deductible Benefit, which waives your deductible up to $5,000 for qualifying losses, and green rebuilding coverage, which increases limits by 10% for eco-friendly repairs. To help homeowners save, you can also qualify for any of the company's four discounts, such as bundling savings of up to 20% on home insurance and paid-in-full discounts for annual payments.
The Hartford Home Insurance: FAQ
Here are answers to common questions about The Hartford's homeowners insurance coverage and policies.
What optional coverages does The Hartford offer for homeowners insurance?
The Hartford provides 14 optional coverages, including ProtectorPLUS Zero Deductible Benefit, water backup and sump pump overflow, equipment breakdown coverage and green rebuilding coverage. Other options include valuable items blanket coverage, scheduled personal property and identity fraud expense coverage. Coverage availability varies by state, so check with an agent about which endorsements you can add to your policy.
Does The Hartford cover flood damage?
No, The Hartford's standard homeowners insurance doesn't cover flood damage from rising water or overflowing rivers. You need to purchase separate flood insurance through the National Flood Insurance Program to protect your home from floods. The Hartford does offer water backup and sump pump overflow coverage, but this doesn't include flood or surface water damage.
What discounts does The Hartford offer on homeowners insurance?
The Hartford offers four discounts: auto and home bundle savings up to 20%, fire protection discounts for sprinkler systems or monitored alarms, home security system discounts for burglar alarms and paid-in-full discounts for annual payments. AARP members can save over $800 by bundling auto and home insurance. Discount availability varies by state.
How do I file a claim with The Hartford?
You can file a claim with The Hartford online through its website, through its mobile app or by calling its claims hotline. Report the damage immediately, document it with photos and videos, meet with The Hartford's adjuster for an inspection and review the settlement offer before beginning repairs. The Hartford handles claims through multiple platforms for your convenience.
The Hartfort Home Insurance: Related Pages
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Insurance Information Institute. "Facts + Statistics: Homeowners and renters insurance." Accessed April 28, 2022.
- J.D. Power. "2021 Home Insurance Study." Accessed May 25, 2022.
- The Hartford. "About Us." Accessed December 6, 2025.
- The Hartford. "Homeowners Insurance Discounts From The Hartford." Accessed December 6, 2025.
- The Hartford. "What Does My Homeowners Insurance Cover?." Accessed December 6, 2025.