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Hartford Home Insurance Ratings
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Reasons for Buying from Hartford
Customers of Hartford originally decided to purchase from the company for these reasons:
| Offered best price | 32% |
| Recommended by friend or family member | 26% |
| Reputation | 14% |
| I had other insurance with this company | 11% |
| Was the company my parents had | 5% |
| The company website and mobile apps are easy to use and helpful | 4% |
| Financial Strength rating | 3% |
| Saw online ad | 3% |
| Saw TV commercial | 2% |
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About The Hartford
Homeowners policies offered
- Home
- Renters
- Condo
- Flood
Additional policies offered
- Auto insurance
- Classic car insurance
- Business insurance
- Umbrella coverage
Best Home Insurance Companies 2020: How Hartford Home Insurance Measures Up
In the 2020 Best Home Insurance Companies survey, Hartford scored 13th place overall with a score of 82.40. Its best showing was in the individual category of customer service where it received 8th place and a score of 85.60. Hartford’s worst showing was 15th place for value for price, but a decent score still of 76.60. In other individual ratings Hartford was 12th place for claim service and ease of use of website and apps. Most surveyed policyholders, 88%, said they would renew their policy and 71% said they have already or would in the future recommend the company to family and friends.
Gauging an insurance company
Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of The Hartford's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median. For home insurance, The Hartford (NAIC# 30104) had a complaint ratio of 1.23 for 2018. 2019 complaint numbers will be available in 2020.
Company Background
Historic beginnings
Being around as long as they have, the Hartford has some incredible historical bragging rights. In 1825, they were the first insurance company to cover an institution of higher learning – Yale University. In 1861, President Abraham Lincoln bought a fire insurance policy from the Hartford to keep his home and property in Illinois safe. Interestingly enough, Robert E. Lee, who would lead the Confederate Army during the Civil War, also bought a home insurance policy from The Hartford for his property in Virginia.
In the 20th Century, some notables who bought insurance from The Hartford: Babe Ruth and President Dwight D. Eisenhower.
Today, it's a company that has been named as one of the world's most ethical companies eight times since 2008, by the Ethisphere Institute, a nonprofit that specializes in advancing the standards of ethical business practices.
Consider The Hartford if you are an AARP member
The Hartford is a perfectly good insurer for young people, too, but for decades now, AARP and The Hartford have been partnering together. You'll get additional discounts on your insurance if you're also a member of AARP. Exactly how much you'll save is hard to say; it depends partly on your state of residence. But it may be worth obtaining a quote to see how much you could save if you make the switch.
The Hartford homeowners programs
- Full Replacement Cost, Maybe More – This will pay the full cost to rebuild your home if it's a total loss, up to 125 percent of your coverage limits. Depending where you live, you may be able to get up to 150 percent coverage.
- ProtectorPLUS Zero Deductible Benefit -- You may get up to $5,000 of your homeowner's insurance deductible waived if your home is extremely damaged (i.e., by lightning, and you have over $25,000 in damages).
Contact information
Corporate Headquarters
The Hartford Financial Services Group, Inc.
One Hartford Plaza
Hartford, CT 06155
Telephone: (860) 547-5000
Home insurance: (800) 624-5578
Types of special coverages
Full placement cost and more. Pays full cost to rebuild your home if it's a total loss up to 125 percent of coverage limits.
ProtectorPLUS zero deductible. Waives deductible if home is severely damaged by qualifying loss.
Replacement lock reimbursement. Pays to replace locks if a key is lost or stolen.
Disappearing property deductible. Rewards owners who haven't filed claims in a certain amount of time.
Equipment breakdown. Covers part of the cost of repairing or replacing appliances and electronics.
Identity fraud. Helps you with out-of-pocket expenses if you're the victim of identity theft or fraud.
Green rebuilding. Increases policy limits when you use green materials.
Water backup and sump pump overflow. Covers property for damage caused by water backups and sump pump overflows.
Discounts
Multi-policy. Discount for more than one type of policy with the same insurance provider.
Alarm systems and safety devices. Discount for having security and fire-suppression systems.
Renewal credit. Discount if you renew with company for a certain number of years.
Retiree credit. Discount for retirees.
Feedback of Surveyed Policyholders
Our survey asked policyholders to share experiences or give feedback that they would
like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:
Positive Feedback
Neutral/Negative Feedback
"No plan to renew my plan instead I'll look around for a better company"
"Everything has been good so far no real issues to challenge that yet."
"It was good there was one time where they messed up though"
"Neutral - not amazingly good or bad. Nice people that I talk to."
"Honestly unfamiliar with their homeowners insurance end of things. Overall, my experience with Hartford insurance has been they have poor customer service."
"I would like to try new options next year as they are just okay"
"No bad experience means good experience so far"
"I have never filed a claimed so really do not have any knowledge how they good they are but I pay an okay price."
"I have not required their assistance or help so not sure what kind of company they are"
"Never had a problem with them, but nothing really to say good or bad either"
"I really don't handle our insurance but my husband does and says this company is okay for now"
"I've had my homeowners insurance with Hartford for so long that I don't even think about it. All insurance companies are pretty much the same to me, nothing stands out."
"Had a claim a few years back and it was a nightmare to resolve. But haven't had a claim in several years so really am okay, no issues, no glowing statements."
"Very pricey"
"All is well with them"
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"I always have an answer to what I need to know"
-Age 18-36, California"it gave me a very good experience very good"
-Age 18-36, California"My insurance company is reliable and very good I endorse them for others"
-Age 18-36, California"Polite and decent staff"
-Age 18-36, California"They work really hard in order to provide best customer service to their customers"
-Age 18-36, California"Until now I have not used it but my friends have used their insurance and the solution has been quick."
-Age 18-36, California"I felt the representative cared about my concerns/ had a positive attitude"
-Age 18-36, Connecticut"Pretty good journey with this company"
-Age 18-36, Connecticut"Timely receiving of claims"
-Age 18-36, Connecticut"Very low deductibles"
-Age 18-36, Connecticut"Easy navigation websites always help cutomers to take all benefits."
-Age 18-36, Delaware"Competent staff handling their duties very well"
-Age 18-36, Florida"Our rates are the lowest, I have compared"
-Age 18-36, Florida"The pricing is reasonable"
-Age 18-36, Indiana"My recommendation is because of their benefits and perks"
-Age 18-36, Michigan"Feels wonderful with them as I feel protected properly"
-Age 18-36, Montana"Very easy solutions anytime I have a problem"
-Age 18-36, Nevada"This company is always supporting its users on the email and in person"
-Age 18-36, New York"They are easy to get a hold of"
-Age 18-36, Ohio"Doing good for its customers with good phone and online help"
-Age 18-36, Oklahoma"Good customer service"
-Age 37-52, Arizona"Always given me proper solutions to my insurance issues"
-Age 37-52, California"Provide you many options to bundle up your coverages and get discounts"
-Age 37-52, California"Providing various safety features for home insurance with a prompt response of the inquires of its customers without any problems and difficulties."
-Age 37-52, California"Very good company"
-Age 37-52, California"Dealing with them was great and in a positive manner"
-Age 37-52, Connecticut"Feel a sense of safety because insured with them"
-Age 37-52, Connecticut"Good rates as compared to others."
-Age 37-52, Connecticut"I suggest this insurance for everyone"
-Age 37-52, Connecticut"Provide all the good service I need"
-Age 37-52, Connecticut"Quality service given to me."
-Age 37-52, Connecticut"Company is active in the field of home insurance protects its customer from all types of miss happenings, calamities and nature disorder, etc."
-Age 37-52, Delaware"Great discounts and service."
-Age 37-52, Delaware"Modern, moderate and modified plans for home insurance, best offers with good prices."
-Age 37-52, Delaware"Company has exceptional claim services. Its another feature is its financial strength and integrity. Risk management resources are also provided by the company."
-Age 37-52, Florida"Found them impartial, they gives you equal importance"
-Age 37-52, Florida"Very nice and understands your need. They never try to sale things you things you don't have any interest in."
-Age 37-52, Florida"I have a good experience because this company provide lifetime renewal ability for client once you become a policy holder."
-Age 37-52, Georgia"Offer best prices."
-Age 37-52, Georgia"Excellent coverage and service"
-Age 37-52, Iowa"They care about me and not just their bottom line."
-Age 37-52, Maryland"So far selection and purchase of the policy has been a very good experience"
-Age 37-52, Michigan"This is guaranteed that you will feel satisfaction with this company"
-Age 37-52, Michigan"Fast fair claim service"
-Age 37-52, Minnesota"Benefits that they provide will reduce your premium in all"
-Age 37-52, New York"Good service."
-Age 37-52, New York"Love my insurer and service"
-Age 37-52, North Carolina"Good customer service, rates better than most other insurers"
-Age 37-52, North Carolina"In simple words, a wonderful company"
-Age 37-52, North Carolina"Personal attention, good coverage of the home and personal belongings."
-Age 37-52, Ohio"I am happy with this insurer. They answered all my questions and were very helpful."
-Age 37-52, Pennsylvania"They cared when a tree fell on my house and took care of my claim quickly"
-Age 37-52, South Carolina"Excellent reputation in the market"
-Age 37-52, Texas"They have great customer service and go out of their way to inform customers about changes"
-Age 37-52, Texas"My claim was covered quickly"
-Age 53+, Arizona"I have had a good experience with my homeowners company so far"
-Age 53+, Arkansas"Correct company for insurance for me. Fulfills my needs"
-Age 53+, California"Found them supportive to me"
-Age 53+, California"Good price, easy to reach claim process is also very effective and result oriented."
-Age 53+, California"Customer service has kind people"
-Age 53+, California"The credit and discounts benefits are available protects from the natural calamities, disturbances and troubles."
-Age 53+, California"Seem to know their products. Claims department is good so far."
-Age 53+, Colorado"Pleasant workers to talk to"
-Age 53+, Connecticut"They are a reliable company"
-Age 53+, Connecticut"They are a well established company that I trust"
-Age 53+, Florida"Policy premium is less than I used to pay"
-Age 53+, Florida"I like that it's easy to get a live rep"
-Age 53+, Illinois"Good customer service, price and coverage"
-Age 53+, Indiana"They help us feel safe and house properly covered"
-Age 53+, Iowa"Customer service helped me select the proper coverage and the cost is reasonable."
-Age 53+, Kentucky"Quick repsonse to every issue. Always ready to help their customers need."
-Age 53+, Maine"Good prices and good customer service"
-Age 53+, Maryland"Very good customer service, very knowledgeable and helpful offering the best prices"
-Age 53+, Maryland"Quite satisfactory insurance comapny"
-Age 53+, Michigan"Responds quickly to calls and handles clams promptly"
-Age 53+, Michigan"I always get a live person to deal with on the phone"
-Age 53+, Minnesota"Approach of this company in the field of home insurance is easy, not complicated also claim process is the very fast and quick."
-Age 53+, Missouri"It is a great company"
-Age 53+, Nevada"Easy online quote tools made it easy to buy"
-Age 53+, New Jersey"Feel comfortable with it although we have not made a claim."
-Age 53+, New Mexico"I get a good rate and have been covered with them for 35 years"
-Age 53+, New York"I trust that they will do the right thing if I ever have to put in a claim."
-Age 53+, New York"I get lower rates with them than last company"
-Age 53+, New York"They provide timely, quality service."
-Age 53+, New York"Good customer service, are really reliability"
-Age 53+, North Carolina"They give best offer in policy market"
-Age 53+, North Carolina"I like this company because of good customer service"
-Age 53+, Ohio"Good coverage and good service at a reasonable cost"
-Age 53+, Pennsylvania"Patience, listens to you, easy to do business with."
-Age 53+, Pennsylvania"Always available. Always reliable."
-Age 53+, South Carolina"They don't make me feel like a burden but a valued customer"
-Age 53+, South Carolina"Good company and good prices"
-Age 53+, Utah"Straightforward, listed what they cover and made the process easy"
-Age 53+, Utah