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Hartford Home Insurance Review


Rating: 8.1 / 10 (Excellent)
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The Hartford is one of America's oldest insurance companies. Founded in 1810, its insurance operations focus on homeowners, property and casualty coverage. It offers a broad range of common and less common coverages and has partnered with AARP to provide homeowners insurance to older Americans.

How is Hartford rated?

Breakdown

8/10
Financial Strength
8/10
Customer Experience
9/10
Pricing & Discounts
7/10
Coverage

Overall Rating: 8.1 / 10 (Excellent)

The Hartford is a large, multi-line insurance company that focuses on property and casualty coverage. Founded in 1810, the company is one of the nation's oldest insurers and has maintained financial strength and stability through many economic and natural disasters. The company has a fine reputation and has a partnership with the AARP. Its homeowners insurance is a sound choice.

Financial Strength

Key Details

Marketshare 2016
1.85%
Premiums Written 2016
$0
Standard & Poor's Financial Rating
A+
Moody's Financial Rating
A1
AM Best Financial Rating
A+

Financial Strength - 8 / 10

Hartford has excellent financial ratings from all three of the major analytics firms. The company's more than two centuries of longevity also attests to its prudent financial management and its long-term financial strategy.

Customer Experience

National Association of Insurance Commissioners

NAICS Complaint Ratio 2016
10.72
NAICS Total Complaints 2016
10
*The NAICS complaint ratio (in this case 10.72) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Customer Ratings

Trust Pilot Rating
5.4 out of 10
BBB Rating
A-
Number of BBB Positive Reviews
0
Number of BBB Neutral Reviews
0
Number of BBB Negative Reviews
15
Date Collected
2017-01-11

Customer Experience - 8 / 10

The company has been criticized by people posting to the BBB and TrustPilot for denying claims and charging undisclosed fees. However, for a company of this size and age, there are very few such complaints. Since people seldom write to consumer websites with good things to say about their insurance company, the low number of complaints is actually a positive sign. The company has not been evaluated by JD Power. More troubling, however, is the company's high NAIC complaint ratio. Although the company has multiple corporate listings with NAIC, nearly all of them reflect a higher than average number of complaints.

Hartford Coverage

Basic Coverage

  • Dwelling Protection
  • Other Structures Protection
  • Personal Property Protection
  • Liability Protection
  • Guest Medical Protection

Additional Coverage

  • Water Backup Coverage
  • Enhanced Dwelling Protection
  • Scheduled Personal Property Coverage

Coverage - 7 / 10

The Hartford offers coverages and benefits that go beyond those offered by many of its competitors. Options include a waiver of the deductible on certain catastrophic losses, coverage for replacing locks in the event a key is lost or stolen, payment for the replacement cost of possessions instead of present value, and a "Green Rebuilding" coverage.

Pricing & Discounts

Household Discounts

  • Home Safety Features

Policy Discounts

  • Multi-Policy
  • Customer Loyalty
  • Higher Deductible

Pricing & Discounts - 9 / 10

Very little comparative information is available about the company's pricing. The Hartford offers a discount on home insurance to AARP members and retirees, to holders of other Hartford policies, to people with home protection systems, and to people who have been with the company for more than four years. These discounts are not as extensive as those provided by other carriers.

Contact & Additional Information

Homepage URL
Company Phone
(800) 624-5578
Headquarters Address
690 Asylum Avenue, Hartford, CT, 06155
Year Founded
1810

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Top Rated
9.8 / 10
  • A+ BBB - Over 100 Years of Experience
  • Homeowners, Condo, Renters or Umbrella Coverage
  • Coverage for your home, belongings & personal liability
  • There when you need it: Fast claims & 24/7 reporting
  • Bundle & Save with available multi-policy discounts
  • Get your quote today & learn how you can save up to 26%!