Paul Sanchez
The Hartford is a well-known insurance company that offers homeowners insurance in addition to auto and business insurance. While it is a legitimate company with high official ratings, there are mixed reviews about its services. Some customers have praised The Hartford for its professional and courteous agents, affordable rates, flexible payment and coverage options, and prompt claim processing. On the other hand, some customers have complained about billing issues, unexpected rate increases, and difficulties in filing claims. The company has also received a lower-than-average rating for overall satisfaction in the J.D. Power Home Insurance Study. Overall, The Hartford could be a legitimate option for homeowners insurance, especially for AARP members who are eligible for special discounts, but individual experiences may vary.
| Characteristics | Values |
|---|---|
| Endorsements | The only insurance provider endorsed by AARP |
| Discounts | Available for AARP members, retirees, and bundling policies |
| Customer Service | Average customer satisfaction, below-average complaints ratio, 24/7 claims reporting |
| Affordability | Good affordability ratings, average annual premium of $1,979 |
| Financial Stability | A+ financial stability rating from AM Best |
| Coverage | Standard coverages including liability, contents, dwelling, loss of use, additional structures, medical payments, and hazards insurance |
| Optional Add-ons | Coverage for total loss, ProtectorPLUS Zero Deductible Benefit, equipment breakdown coverage |
| Availability | Available in 34 states, not available in Hawaii, Florida, and Canada |
| Online Experience | Easy-to-navigate website, online bill pay, online claim filing |
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What You'll Learn
Customer satisfaction
However, The Hartford has received a high volume of customer complaints, with a score of 1.94 compared to the national median of 1.00, according to MoneyGeek. This suggests that the company receives significantly more complaints than the average insurance provider. The Hartford has also been criticised for its opaque pricing, with customers needing to call the company to receive an accurate quote after using the online quote tool.
The Hartford's overall customer satisfaction score is 798 out of 1,000, according to J.D. Power's 2021 U.S. Home Insurance Study. This equates to a rating of 3.58 out of 5 from MoneyGeek. The Hartford also ranked just below average in the 2024 J.D. Power U.S. Property Claims Satisfaction Study with a score of 864 compared to an industry average of 869. However, the company's NAIC (National Association of Insurance Commissioners) complaint index score was 0.53 in 2023, well below the industry average.
Individual customer reviews of The Hartford's homeowners insurance are mixed. Some customers have praised the company's customer service, saying they feel the company has their best interests at heart. However, other customers have criticised the company for denying their claims and increasing their premiums. Some customers have also accused the company of taking advantage of senior citizens by overcharging them for insurance policies.
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Discounts and coverage options
The Hartford offers a range of discounts and coverage options for homeowners insurance. The company provides coverage in 33 states across the country, excluding Hawaii and Florida. The standard homeowners policy from The Hartford covers the cost of mold issues and air conditioning. It also offers special discounts for retirees and AARP members. As the only insurance provider endorsed by AARP, The Hartford offers discounted plans and special benefits for AARP members.
The Hartford offers two types of homeowners insurance policies: Advantage and AdvantagePlus. Both policies cover home damages, personal property, and temporary living expenses if the home is uninhabitable. AdvantagePlus also provides equipment breakdown coverage and offers a higher limit for identity theft expenses. The Hartford also provides optional additional coverage for total loss, waiving your deductible if your home is severely damaged, and offering additional coverage to pay the full cost of rebuilding your home.
The Hartford's homeowners insurance rates are generally cheaper than the national average. The average annual premium is $1,979, but this can vary based on location, age and type of home, and other factors. The company offers several discounts, including for insurance bundles, home security systems, and renewal credits. Bundling home and auto insurance policies can save up to 5% on car insurance and 20% on home insurance. The Hartford also has an easy-to-use website and a mobile app, providing a highly user-friendly experience for customers.
The Hartford's coverage options include all the standard homeowners insurance coverages, such as liability, contents, dwelling, loss of use, additional structures, medical payments, and hazards insurance. The company also offers a range of optional add-ons to provide personalized policies for customers. The Hartford's financial stability is rated A+ by AM Best, ensuring that legitimate claims are processed fairly and promptly. However, it is important to note that The Hartford has received mixed reviews for customer satisfaction, with some policyholders experiencing issues with billing and claims handling.
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Financial stability
The Hartford has been in the insurance industry for over two centuries, which is an impressive feat. The company has received high ratings from AM Best and the Better Business Bureau (BBB), although it is not BBB-accredited. AM Best gave The Hartford an A+ rating, indicating superior financial strength and the ability to meet its ongoing insurance obligations. This ensures that legitimate claims are processed fairly and promptly.
MoneyGeek gave The Hartford an overall rating of 83 out of 100, which is a good score. Reviews.com also gave The Hartford a good rating for financial stability. The company also has a good affordability rating, with rates cheaper than the national average. The Hartford's rates are detailed across various coverage limits, offering a clear perspective on how they measure up to the national average.
The Hartford's website has a quote tool that allows users to request a customized homeowners insurance quote based on their personal profile, property information, and insurance history. The company also offers discounts for bundling insurance, having home security and safety devices, and being a retiree or AARP member. The Hartford's average home insurance rates are cheaper than the current national average.
The Hartford's biggest weakness is its high rate of customer complaints. However, it has good customer satisfaction ratings and is well-known, with around 85% recognition among the US population. The company also provides a highly user-friendly experience for its customers, with an easy-to-navigate website, a mobile app, and 24/7 claims reporting.
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Affordability
The affordability of The Hartford's homeowners insurance is a key factor in determining its legitimacy and value for customers. The company offers competitive rates and financial stability, as evidenced by its A+ rating from AM Best. This rating indicates superior financial strength and the ability to meet insurance obligations, assuring customers of fair and prompt claim processing.
The Hartford's homeowners insurance rates are generally lower than the national average. According to Bankrate, the national average annual cost for a homeowners policy in the US in July 2025 was $2,466 for $300,000 in dwelling coverage. In comparison, The Hartford's average annual premium is approximately $1,979, though it's important to note that rates can vary based on factors such as location and age of the home.
The company also provides various discounts and savings opportunities to enhance affordability. For example, they offer bundled insurance discounts of up to 20% when combining home and auto insurance policies. Additionally, The Hartford has special partnerships with AARP, providing discounted plans and exclusive benefits for retired individuals or those over 50 who are AARP members. These discounts can make their insurance plans even more affordable for eligible customers.
While The Hartford may not be the best fit for everyone, it offers good affordability and financial stability. Its rates are competitive, and it provides optional coverage add-ons for customers seeking more comprehensive protection. However, it's always recommended to compare rates and coverage options from multiple insurance providers to find the best fit for individual needs and budgets.
The Hartford's homeowners insurance is a legitimate option, especially for those seeking financial protection for their homes and belongings at competitive rates. With its affordable prices and financial stability, The Hartford can be a suitable choice for homeowners looking for a reliable insurance provider.
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Claim handling
The Hartford's homeowners insurance has received mixed reviews for its claim handling. While some customers have praised the company for its helpful customer service and smooth claims process, others have expressed frustration and dissatisfaction with their experiences.
On the positive side, The Hartford offers multiple convenient channels for filing claims, including online, through their mobile app, and over the phone. The company also provides safety and recovery tips to help customers prepare for and recover from disasters. In terms of financial stability, The Hartford has an A+ rating from AM Best, which ensures that legitimate claims are processed fairly and promptly. Additionally, The Hartford ranked relatively well in terms of customer complaints, with a 2023 complaint index of 0.53, which is below the industry average.
However, there have been some negative experiences shared by customers. Some reviewers mentioned issues with denied claims, unexpected rate increases, and billing problems. One customer shared their experience of their neighbour's claim being denied without a valid reason, while another mentioned issues with late payment notices and discrepancies between what the insurance company and their bank claimed.
It's important to note that individual experiences can vary, and it may be beneficial to consider a range of factors when evaluating an insurance provider, including personal needs, preferences, and third-party ratings. While The Hartford offers convenience and financial stability, there are also critical considerations regarding customer satisfaction and the claims process.
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Frequently asked questions
Yes, The Hartford is a legitimate homeowners insurance provider. It is the only insurance provider endorsed by AARP, offering discounted plans for AARP members. The Hartford also has an A+ financial stability rating from AM Best, which ensures that legitimate claims are processed fairly and promptly.
The Hartford offers affordable rates, diverse coverage options, and an easy-to-use mobile app. The company also provides 24/7 claims reporting and has high official ratings.
The Hartford has received some negative reviews, with customers citing issues with billing, unexpected rate increases, and difficulty filing claims. The company also has a below-average customer satisfaction rating and offers fewer discounts than the industry standard.
No, The Hartford's homeowners insurance is not available in all states. As of 2025, it is available in 34 states, including Arizona, California, Illinois, and Texas, but not in Hawaii and Florida.
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