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.

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. However, the company has a high NAIC complaint ratio. Although Hartford has multiple corporate listings with NAIC, nearly all of them reflect a higher than average number of complaints.

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.

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.