The Hartford is best known for providing insurance coverage to AARP members. The Hartford is best known for providing insurance coverage to AARP members. However, it also has a strong presence in the community through its human achievement and sustainability programs. This makes it a popular company for policyholders who want to give back.
The Hartford was founded in 1810 and has been serving the insurance needs of its customers for many years. The Hartford can provide a quote for you whether you’re looking for business, home, or auto insurance.
Hartford Car Insurance
Insurance
The Hartford provides industry-standard car insurance that allows you to tailor a policy to your specific needs. The following coverages are available:
- Medical payments: These funds help to cover medical expenses that result from an accident.
- No-Fault Insurance/Personal Injuries Protection: This covers your medical bills and those of your passengers, regardless if the accident was caused by you. It may also pay for lost wages or other expenses that could arise from an injury. PIP coverage is usually found in “no fault” insurance states.
- Comprehensive and collision: Covers the cost of damage to your vehicle due to an accident, theft, firestorm, windstorm, and hail.
- Full glass: Replaces or repairs damaged glass in your vehicle with $0 of deductible
- Towing: Pays for roadside assistance in an emergency.
- Rent a car: If your vehicle is damaged or inoperable, you can pay for the rental of a car.
- Bodily Injury: This covers any medical expenses for passengers and drivers in other cars involved in an accident.
- Property damage liability: If you are responsible for an accident, this covers any property damage that is caused by your actions. This covers damage to the car of the other party, but it can also cover damage to personal belongings and damage to objects you have hit such as mailboxes or poles.
- Underinsured or uninsured motorist bodily Injury: Covers your medical expenses if you are injured by a driver without insurance.
- Property damage from an uninsured motorist: Covers the cost of any damages to your vehicle or property caused by an uninsured driving.
- Gap insurance: This coverage pays the difference between the car’s actual cash value (or the loan amount) and the total loss.
Car insurance from The Hartford: What is the cost?
It may help to find out the average annual cost for car insurance from The Hartford before you get a quote. This will allow you to compare your premium.
| Minimum coverage at an average annual cost | Average annual cost of full coverage |
|---|---|
| $754 | $2,270 |
The Hartford’s average rates is higher than the average car insurance rates, which average $1,674 per annum for full coverage and $565 for minimal coverage. The Hartford offers a range of discounts to offset these higher rates.
Get Discounts
To help reduce the cost of insurance, The Hartford offers discounts for policyholders. You can get discounts on:
- Vehicle safety discounts: You may be eligible for a discount if your vehicle has an anti-theft device or airbag.
- Driver training discount: You may be eligible for a discount on your auto policy if you complete an approved driver training program. These discounts are only available to drivers younger than 21 years old (25 in Georgia).
- Student discount: A good student discount is available to students who are full-time students in high school and college, and between 16-25 years of age.
Hartford homeowners insurance
It may be worthwhile to get a homeowner’s quote if you already have auto insurance through The Hartford. It will be easier to manage both your auto and homeowners policies with one company. You may also qualify for a discount on your premiums if you have both policies.
The Hartford’s homeowners coverages are:
Insurance
- Dwelling coverage: This covers the cost of your home as well as any structures attached to it (e.g. attached garages).
- Other structures coverage: This includes structures that aren’t attached to your house, such as sheds or fences.
- Personal property: This helps to cover the cost of personal property such as furniture and clothing.
- Loss of Use: This helps to cover other living expenses if you are unable to live in your home because of damage.
- Liability: If you are held liable for injuries or damages caused by non-residents to your property, this coverage will protect you.
- Medical payments: Provides financial assistance to pay for medical bills for anyone who is hurt on your property.
Home insurance from The Hartford: What is the cost?
The Hartford’s average homeowners insurance premium is $1,730 per year for a $250,000 home. This premium is significantly higher than the average national homeowners insurance premium, which is $14,77 per annum. The Hartford offers discounts to policyholders, just as with auto insurance.
Get Discounts
The Hartford offers many homeowners insurance discounts.
- Home & Auto Bundle Discount: Save up to 5% on your car insurance and as much as 20% on your home insurance.
- Discount on home security system: Installing protective devices such as burglar alarms or sprinkler systems in your home can help you save money when it comes to your home insurance.
- Retiree credit: This discount is available to those who work less than 24 hours per week.
- Discount on Claims: The higher the discount, the longer you wait before filing a claim.
Ratings, reviews, customer satisfaction, and complaints about Hartford
In 2020 J.D., Hartford’s auto insurance received an 888 rating out of 1,000. The fourth spot was occupied by Power U.S. Auto Insurance Claims satisfaction Study. Nearly 46,000 customers reviewed The Hartford’s auto claims service, ranking it at 4.8 of 5.
J.D. gave the company a score 832 out 1000 for home insurance. The 2020 U.S. Home Insurance Study ranked fifth. The Hartford’s home claim service was rated by more than 17,000 customers at an average 4.7 of 5.
The Hartford was also awarded an A+ rating by AM Best, which indicates that it is financially sound and will be able pay claims in the case of large-scale losses.
The Hartford is a great choice
The Hartford is a great place for AARP members to begin their insurance search. The Hartford is a great option for those over 50 who want to save money without sacrificing excellent customer service. The Hartford’s wide range of coverage options and discounts make it an attractive option for people in the target market. If you are a student or retired, you may be eligible for the good student discounts and retiree credit. This could lower your premiums. The Hartford has received top ratings from thousands of customers who have used their insurance claims process to help them.
The Hartford’s average premium for auto and home insurance is higher than the national average. However, there are discounts that may offset the difference. Due to the fact that everyone’s insurance situation may differ, your premium will be different.
The Hartford also offers additional policies
The Hartford offers more than just car and home insurance.
- Insurance for classic cars
- Insurance
- Insurance for all-terrain vehicles (ATVs)
- Insurance for golf carts
- Snowmobile insurance
- Boat insurance
- Renters insurance
- Condo insurance
- Flood insurance
- Umbrella insurance
- Insurance for businesses
- Insurance for small businesses
- General liability insurance
- Workers’ Compensation Insurance
Questions frequently asked
How do I get a Hartford Insurance quote?
The Hartford insurance company makes it easy to request a quote. Request a quote online or call The Hartford directly to find a independent agent.
How do I file an insurance claim against Hartford?
The Hartford customer support team will assist you at every step. You can also call your agent if your policy is handled by an independent agent.
