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The Hartford Insurance Review 2021

The Hartford primarily caters to customers 50 and older, offering policies through a partnership with AARP.
Sept. 21, 2021
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

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The Hartford reviews and ratings

  • Customer satisfaction ratings are above average for car and homeowners insurance.
  • More than the expected number of complaints, relative to insurer size, for auto and home insurance.
  • Offers policies through AARP and independent agents.

The Hartford’s insurance offerings are targeted for the 50 and older crowd, cemented by a partnership with AARP to bring additional savings and perks to members. Non-AARP members can purchase home and auto policies through independent insurance agents, and the company also offers group benefits, business insurance and mutual funds.

The Hartford pros and cons

Above average customer satisfaction ratings for auto and home insuranceMore than the expected number of complaints for auto and home policies
Lots of coverage options for home and auto insuranceYou must purchase an auto or home policy to purchase certain others

The Hartford auto insurance

4.0 NerdWallet rating

The Hartford auto insurance earned 4.0 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account pricing and discounts, ease of filing a claim, website transparency, financial strength, complaint data from the National Association of Insurance Commissioners and more.

» MORE: The best car insurance companies for 2021

Common types of car insurance coverage

When you’re shopping for car insurance, it’s important to understand what car insurance coverage you want and what you’re required to buy. Most states require car insurance to drive a vehicle, although minimum coverage requirements vary from state to state. This generally includes liability insurance and uninsured and underinsured motorist coverage.

If you want extra protection, you may be interested in full coverage insurance. Full coverage isn’t a specific policy you can buy, but rather a combination of coverage types like liability, collision and comprehensive insurance.

Check out the most common types of car insurance coverage below to see how they work:

Coverage typeWhat it pays forRequired?
Bodily injury and property damage liabilityCosts for injuries, deaths or property damage from an accident you caused.Typically required.
Uninsured or underinsured motorist coverageMedical and property damage costs after an accident with a driver who has insufficient insurance or none at all.Often required.
Collision coverageRepair expenses from traffic-related accidents, regardless of who's at fault.A car loan or lease may require it.
Comprehensive coverageRepair costs from events outside of your control — including weather events, hitting an animal while driving, theft and vandalism.A car loan or lease may require it.

AARP offers auto insurance to its members through a partnership with The Hartford.

AARP auto insurance policies from The Hartford automatically include:

  • RecoverCare, which pays for transportation, cooking, cleaning and other costs if you can’t do those things after an injury in a car accident. Availability varies by state.
  • New car replacement: If your new car is totaled within 15,000 miles or 15 months of purchase, The Hartford will write you a check for the value of a new vehicle of the same make and model and with the same equipment.
  • Lifetime car repair assurance, if your car is fixed at an approved repair shop.

Optional policy features from The Hartford include:

  • Accident forgiveness: Your premium won’t increase after your first accident, as long as you’ve had a clean record for the past five years. Accident forgiveness isn’t available in California.
  • Disappearing deductible: For each year you keep a clean driving record, The Hartford reduces your collision deductible until it reaches $0 (or $100 in New York). This feature isn’t available in California.

» MORE: Compare car insurance rates

The Hartford offers auto insurance discounts for:

  • Bundling policies.
  • Hybrid or electric vehicles.
  • Vehicles with alternate fuel types.
  • Having young driver training.
  • Cars with more than one air bag.
  • A car with active or passive anti-theft devices.
  • Completing an approved defensive driver course.
  • Paying for your policy upfront.
  • AARP membership.

» MORE: Discount car insurance: Your guide to getting the best price

Auto insurance buying guide

Before you compare car insurance companies, you’ll need to collect basic information, such as the driving history of everyone on the policy and facts about your car, including safety features and annual mileage driven. You’ll also want to understand which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Check that each company you’re considering has the options you want.

When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to decide based on price alone. Look at how many consumer complaints each company has, as high numbers can be a red flag about the quality of service you might receive.

Depending on which company you choose, you may be able to buy insurance online, over the phone or through an agent. For more guidance, see how to get car insurance.

The Hartford homeowners insurance

The Hartford’s Home Advantage Package has many features, including:

  • “New for old” protection pays to replace your possessions with new items, regardless of the old possessions’ age or condition (often known as contents replacement cost coverage).
  • Reimbursement for replacing locks: After a $100 deductible, The Hartford pays up to $500 to replace your locks if a key is lost or stolen.
  • Personal injury liability coverage helps pay for damages from a libel or slander claim, which standard liability coverage typically doesn’t.
  • Identity fraud expense coverage: Pays out-of-pocket expenses up to $25,000 to help you recover after fraud or identity theft. This can help reimburse you for lost income and legal fees for correcting identity fraud problems.
  • Disappearing property deductible: For every three years you don’t file a claim, your deductible is reduced by $50.

The Home Advantage Plus package includes everything in the Home Advantage package, plus a higher limit of $50,000 for identity theft expenses. It also includes equipment breakdown coverage, which helps pay to repair or replace appliances and electronics. This coverage will pay up to 125% of your cost to replace covered equipment with environmentally friendly or efficient upgrades.

Not all coverage options are available in every state.

The Hartford also offers several additional options for homeowners, including:

  • Full Replacement Cost: An option that pays up to 125% of your coverage limits if you need to completely rebuild your home.
  • ProtectorPlus Zero Deductible: This option waives your deductible up to $5,000 if you make a claim of $27,500 or more.
  • Green Rebuilding: If you use environmentally friendly materials or methods to repair your home after a claim, this option increases your policy limits by up to 10%.
  • Assisted living care coverage extends contents, liability and additional living expense coverage to a relative in an assisted living care facility.
  • Replacement plus coverage helps pay for costs to make your kitchen or bathroom safer and more accessible with upgrades such as grab bars in the shower.
  • Water backup and sump pump overflow reimburses you if your property is damaged by backed-up water or overflow from a sump pump.
  • Scheduled personal property will cover 100% of the insured value of selected items if they’re damaged or destroyed. You may need to have items appraised before they can be scheduled.
  • Valuable items blanket coverage raises the payout limit for items such as jewelry and silverware if they’re stolen, lost or damaged — up to $10,000 per item.

The Hartford offers home insurance discounts for:

  • Bundling auto and homeowners policies.
  • Having home security features.
  • Installing certain fire protection devices like smoke detectors or monitored fire alarms.
  • Owning a new home.
  • Having filed no homeowners claims.
  • Working less than 24 hours a week.
  • Renewing your policy for four years.

The Hartford also offers renters insurance. For more information, read The Hartford/AARP renters insurance review.

The Hartford complaints and customer satisfaction

The Hartford had more than the expected number of complaints about auto and home insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.

2010 J.D. Power StudyThe Hartford ranks...
Auto insurance shoppingAmong the best
Auto insurance claims satisfactionAbout average
Home insuranceAbove average
Property claimsAbove average

More about The Hartford insurance

Website: You can get a quote, pay your premium, access auto ID cards, manage policies and file and track claims on The Hartford’s website. It also has some basic information about coverage options and discounts.

Mobile app: You can log in to the app and pay bills, track claims, view your policy, see your electronic auto ID card and more. You can also summon roadside assistance, locate a repair shop or agent and start a claim.

Policies available through The Hartford or third-party partners:
Boat insuranceClassic car insurance
Recreational vehicle insuranceATV insurance
Snowmobile insuranceCondo insurance
Renters insuranceUmbrella insurance
Business insuranceCommercial auto insurance
Flood insuranceGolf cart insurance

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Methodology: Insurer complaints

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

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