The Hartford Renters Insurance Review: Cost & Service (2024)

While purchasing a renters insurance policy, one of the factors to consider is the provider’s customer service rating. Companies with exceptional scores are likely to provide better service as needed.

The Hartford received one of the highest scores in financial stability from AM Best. Its National Association of Insurance Commissioners (NAIC) score is higher than the national average, indicating that the insurer receives more customer complaints than other renters insurance companies.

The financial stability of an insurer reflects its reliability to pay off legitimate claims. AM best rates insurance providers by assigning them a financial rating across several categories. The Hartford received an A+ rating, which implies that the insurer has a superior ability to meet its financial obligations.

It can be challenging to find out how to purchase renter’s insurance, as the process varies between providers. MoneyGeek outlined the steps for getting renters insurance from The Hartford to help you get started.

Renters insurance rates vary significantly depending on several factors, including the insurer you choose. Overall, renters insurance costs an average of $13 per month, although actual rates will vary based on the amount of personal property covered in the policy. To get your actual rates from The Hartford, you may need to talk to an agent.

The cost of renters insurance will depend on your coverage amount, so you don’t want to purchase too little or too much coverage. For most renters a $20,000-coverage limit is sufficient, but you can calculate the appropriate amount for your needs using MoneyGeek’s personal property calculator below.

The Hartford provides renters insurance policyholders with two discounts, which is less than the industry average of five discounts. One of them is the secured community discount, which is rarely offered by other insurers. The provider also has a multi-policy discount, but this is commonly offered by other insurers.

How much you pay for renters insurance depends on the coverage amount you choose. Generally, renters insurance providers advertise an average of seven coverage options.

Policyholders with The Hartford renters insurance may purchase up to four additional coverage options. Two of these are standard options, while the other two are unique to the provider.

The four additional coverage options available for The Hartford renters insurance policyholders include negligent water damage, personal property replacement cost, earthquake and building additions and alterations.

MoneyGeek outlined the details of each of these coverage options below.

When buying a renters insurance policy, you need to ensure that it has all the standard coverage options you need. These include personal property coverage, personal liability coverage, medical payments coverage and additional living expenses protection.

You may also decide to get additional renters insurance coverage against floods, earthquakes and insect damage as required. These are rarely provided, so you may need to check if they are available with your insurer before purchasing the policy.

To ensure exceptional customer experience, The Hartford provides several online tools and features to policyholders. These include a quote tool, renters insurance calculator and a claims center. The insurer also provides a mobile application where you can easily file and mange your claim.

The Hartford provides its customers with several other insurance products, including car insurance, business insurance, condo insurance, flood insurance and umbrella insurance. You may purchase any of these options alongside your renters insurance.

To evaluate The Hartford’s quality as a renters insurance company, MoneyGeek analyzed The Hartford’s website, manually collected quotes and consulted consumer intelligence organizations such as J.D. Power, the NAIC and AM Best.