InsuredBetter's The Hartford Insurance Company Score
3.75 Stars
We award The Hartford insurance company a final rating of 3.75 out of 5 stars. The insurance company has been around for more than two centuries, which is an incredible achievement within the insurance industry. The Hartford has received very high ratings through AM Best and the Better Business Bureau (BBB), but is not accredited by the BBB.
The Hartford was founded in 1810. Coverage is offered in all states except Florida, and the carrier's catalog is quite extensive, with a focus on auto, home, and business insurance. The insurance company provides 24/7 claims reporting.
The Hartford loses a couple of points due to the high volume of customer complaints filed against the carrier through the BBB. While the carrier's home insurance rates were cheaper than average, its auto insurance rates were mostly more expensive than average.
However, the carrier offers many discounts to help reduce those premiums. Overall, our recommendation is that if you're on the market for any of its many coverage options, don't hesitate to look into The Hartford with your independent insurance agent to be your next trusted carrier.
The Hartford Pros and Cons:
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Longstanding carrier
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Not BBB-accredited
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Offers personal and commercial coverages
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High volume of customer complaints filed through the BBB
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Lots of coverage options available
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Also offers financial services
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Coverage sold in every state except Florida
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“A-” (excellent) rating by AM Best
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“A+” (excellent) rating by the Better Business Bureau (BBB)
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24/7 claims reporting
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Several discounts available
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The Hartford Insurance Products by Type
The Hartford offers a large catalog of insurance products, including commercial and personal coverages. The insurance company sells the following:
Vehicle & Auto Insurance:
- Car insurance
- Commercial auto insurance
- Classic car insurance
- RV insurance
- All vehicle insurance
Home & Property Insurance:
- Homeowners insurance
- Renters insurance
- Condo insurance
- Flood insurance
- Pet insurance
Business Insurance:
- Business insurance
- Employee benefits
- Small business insurance
- Business owner’s policy (BOP) insurance
- Commercial general liability insurance
- Workers’ compensation insurance
- Business income insurance
- Commercial flood insurance
- Commercial property insurance
- Commercial umbrella insurance
- Cyber insurance
- Data breach insurance
- Employment practices liability insurance
- Home-based business insurance
- Inland marine insurance
- Management liability insurance
- Multinational insurance
- Professional liability insurance
- Risk engineering
- Surety and fidelity bonds
The Hartford Homeowners Insurance
The Hartford offers all the standard homeowners insurance coverages, including liability, contents, dwelling, loss of use, additional structures, medical payments, and hazards insurance. The carrier also offers a couple of optional add-ons.
Coverage types, features, and benefits:
Additional limits
The Hartford provides optional additional coverage for your home if it's declared a covered total loss. This coverage offers additional coverage to pay the full cost of rebuilding your home, up to 125% or even 150% of your policy's limits.
ProtectorPLUS Zero Deductible Benefit
The Hartford's optional ProtectorPLUS Zero Deductible Benefit waives your home insurance deductible (up to $5,000) if your home is severely damaged by a covered peril, resulting in $32,000 or more in losses.
The Hartford Homeowners Insurance Average Prices
The Hartford's average home insurance rates are cheaper than the current national average. A home insurance policy with $300,000 in dwelling coverage from The Hartford averages just $2,075 per year. In comparison, the current national average for the same amount of coverage is $2,304 per year.
Here are some average annual home insurance rates from The Hartford by dwelling coverage amount:
The Hartford Home Insurance Prices by Dwelling Coverage Amount
| Dwelling Coverage Amount | Annual National Average Premium | The Hartford Annual Average Premium |
|---|---|---|
| $150,000 | $1,406 | $1,376 |
| $300,000 | $2,304 | $2,075 |
| $350,000 | $2,571 | $2,282 |
| $450,000 | $3,118 | $2,682 |
| $750,000 | $4,549 | $3,939 |
The Hartford's average home insurance rates were cheaper than the current national average across every dwelling coverage amount we studied.
The Hartford Car Insurance
The Hartford also offers all the standard auto insurance protections, including liability, uninsured/underinsured motorist, collision, comprehensive, medical payments, and personal injury protection (PIP) coverage. Customers have the option to add full glass coverage and/or rental car reimbursement coverage. A couple of additional coverage enhancements are outlined below.
Coverage types, features, and benefits:
Gap
The Hartford's optional gap insurance can pay the difference between your vehicle's current value and the amount still owed on a loan or lease if your car is declared a total loss.
Roadside assistance
The Hartford also offers optional 24/7 emergency roadside assistance coverage in case you ever get stranded on the road and need a tow, jumpstart, or another professional service to help you get home.
The Hartford Car Insurance Average Prices
The Hartford's car insurance rates are a bit more expensive than the national average. For a full coverage car insurance policy, the current national average premium is $2,458 per year.
A minimum coverage policy is $678 per year, on average. In comparison, The Hartford's full coverage auto insurance policies average $2,694 per year, and the carrier's minimum coverage policies average $738 per year.
Here are some average car insurance prices from The Hartford by driver age:
The Hartford Annual Car Insurance Prices by Driver Age
| Driver Age | National Average Premium | The Hartford Average Premium |
|---|---|---|
| 16 | $5,229 | $6,166 |
| 18 | $4,501 | $5,137 |
| 20 | $4,972 | $4,369 |
| 25 | $3,031 | $3,468 |
| 30 | $2,622 | $3,104 |
The Hartford's average car insurance rates are actually cheaper than the national average for drivers aged 20. In every other age category we studied, The Hartford's car insurance rates were more expensive than average.
Methodology
Average rates for car insurance were based on a sample driver who is 40 years old and has a good credit score and clean driving record. The sample customer was quoted for an auto insurance policy with bodily injury liability coverage of $300,000 per accident and $100,000 per person, property damage liability coverage of $50,000 per accident, personal injury protection coverage of $100,000 per accident, and uninsured motorist bodily injury coverage of $300,000 per accident and $100,000 per person. The driver's collision and comprehensive coverages each had a $500 deductible.
What Discounts Does The Hartford Offer?
The Hartford offers several competitive discounts for its customers. The carrier's auto insurance discounts include the following:
- AARP membership discount: Offered to clients who have a membership with AARP.
- Paid-in-full discount: Offered to clients who pay their bills in full.
- Defensive driver course discount: Offered to drivers who finish and pass an approved defensive driver course.
- Safe driver discount: Offered to drivers who opt-in to The Hartford's TrueLane Program, which monitors driving habits. An automatic 12% discount is applied for signing up, and drivers can save up to 25% on their premiums when renewing their policies, depending on their driving habits.
- Bundling discount: Offered to clients who bundle their home, renters, or condo insurance and auto insurance.
- Five-year clean discount: Offered to customers in The Hartford's AARP Auto Insurance Program who go at least five years without any accidents or traffic violations. Customers can save up to 10% on their premiums.
- Good payer discount: Offered to customers who pay their bills on time. Customers can save up to 10% on their premiums.
- Online quote discount: Offered to customers who start their car insurance quotes online. Customers can save up to 8% on their premiums.
An independent insurance agent can provide better discount information and premium quotes for coverage through The Hartford. When it comes to coverage, independent insurance agents work hard to help get you the most for the money.
The Hartford Customer Service
The Hartford offers 24/7 phone, online, or mobile app claims reporting for its policyholders. The carrier also provides the following customer service options:
- Phone
- 24/7 phone claims reporting
- Fax
- Snail mail
- Mobile app available
- Online bill pay
- Online claims reporting and tracking
The customer service phone department has the following hour restrictions:
| Days | Hours (EST) |
| Monday-Friday | 8 a.m. - 9 p.m. |
| Saturday | 8 a.m. - 6 p.m. |
| Sunday | CLOSED |
The best way to ensure a good customer service experience is to work with an independent insurance agent. Independent insurance agents can help handle claims and other concerns for you, so you can relax and enjoy your coverage.
The Hartford Insurance FAQs
What is The Hartford's average claim response time frame?
The Hartford offers claims reporting through a couple of mediums. However, the insurance company does not provide an official claims response time frame promise.
What is The Hartford's customer service availability?
The Hartford allows customers to file claims over the phone 24/7. Their customer service phone department is available at extended hours, Monday-Saturday. The carrier’s social media presence extends across Facebook, X, YouTube, and LinkedIn, which makes it highly accessible to customers.
What is The Hartford's claims process?
The Hartford offers a couple of options for claims reporting. If customers have other questions about filing or the claims process itself, they can contact the carrier by phone or get in touch with their independent insurance agent.
Does The Hartford's insurance create a user-friendly experience for customers?
The Hartford’s official website is easy to navigate and provides a lot of information about coverage options, discounts, etc. However, the carrier does not detail a claims response timeframe. Online bill pay is available, as is 24/7 claims reporting via phone, online, or mobile app, which are convenient and modern customer service features. Overall, The Hartford provides a highly user-friendly experience for its customers.
Does The Hartford have good homeowners insurance?
The Hartford's homeowners insurance provides a lot of important coverage for policyholders, including the following major categories:
- Dwelling coverage
- Other structures coverage
- Personal property coverage
- Loss of use coverage
- Personal liability coverage
- Medical payments coverage
Your independent insurance agent can help you find even more information about The Hartford's homeowners insurance policies, as well as its many other coverages.
Is The Hartford a good insurance company?
The Hartford is an extremely long-standing carrier with more than 200 years' worth of experience. The insurance company provides a large catalog of coverage options for customers of all kinds, from personal to business lines. The carrier provides many modern customer service options such as 24/7 claims reporting and online bill pay. Further, there are many glowing customer reviews easily spotted across the web. Overall, The Hartford can indeed be considered a good insurance company.
Who are The Hartford's insurance products right for?
The Hartford's insurance products may be right for personal or commercial customers in every state except Florida. Many different coverage options are available, including home, auto, and business insurance.
How much are The Hartford's homeowners insurance rates?
A home insurance policy with $300,000 in dwelling coverage from The Hartford averages just $2,075 per year. In comparison, the current national average for the same amount of coverage is $2,304 per year.
Sources
https://www.thehartford.com/
https://news.ambest.com/newscontent.aspx?refnum=258553&altsrc=23
https://www.bbb.org/us/ct/hartford/profile/insurance-companies/the-hartford-financial-services-group-inc-0111-1047
https://www.bankrate.com/insurance/reviews/the-hartford/
