Hartford Insurance Review – Good Enough for Babe Ruth and Abraham Lincoln
- What is The Hartford Insurance?
- How does The Hartford work?
- How much does The Hartford cost?
- The Hartford features
- Auto insurance features
- Homeowners insurance features
- Umbrella insurance
- Who is The Hartford best for?
- Who shouldn’t use The Hartford?
- Pros and cons
- The Hartford vs. competitors
- The bottom line
What is The Hartford Insurance?
- It provided insurance for the only home Abraham Lincoln ever owned.
- Babe Ruth bought a policy from The Hartford in 1920 to protect against disability.
- The Hartford bonded the construction of the Golden Gate Bridge, which opened in 1937.
How does The Hartford work?
- Date of birth
- Marital status
- Type of vehicle
- If you own your home or rent
- Driver information
- Property details
- Home insurance history
How much does The Hartford cost?
Auto insurance prices
- Where you live
- Marital status
- Credit score
- Car’s year, make, and model
- Vehicle use
- Claims and insurance history
- Driving record
Home insurance prices
- Home’s location
- Type of construction
- Home’s condition and age
- Claim history
- Replacement cost of home
- If you own a dog and what type of dog it is
- Wood-burning stove in the home
- Home-based business
- Recently remodeled
- Home liability limits
- Marital status
- Swimming pool
- Roof condition
- Nearest fire department
- Credit history
The Hartford features
Auto insurance features
New car replacement
First accident forgiveness
$100 collision deductible reduction
Homeowners insurance features
‘New for old’ protection
Disappearing property deductible
Extra casualty insurance
Identity fraud reimbursement
- Valuable items blanket coverage: Up to $10,000 per item, such as jewelry and silverware.
- Replacement plus coverage: Pays extra costs to rebuild a kitchen or bathroom with grab bars and other upgrades to make the home safer and easier to live in.
- Water overflow: Coverage for damage from backed-up water or sump pump overflow. Damage from flood or surface water isn’t covered.
- Assisted living: Extends contents, liability, and additional living expenses to a relative in an assisted living care facility.
- Zero deductible: Waives deductible up to $5,000 if a claim of $27,500 or more is made.
Who is The Hartford best for?
Age 50 and older
Who shouldn’t use The Hartford?
You file claims often
Under age 50
Pros and cons
High customer satisfaction
- 896 in property claims satisfaction on homeowners insurance policies, ranking second behind Amica Mutual.
- 829 in U.S. auto insurance satisfaction study, ranking fourth in the Southwest.
- Classic cars
- Commercial cars
- Golf carts
Unique and optional add-ons
- $5,000 deductible is waived if a claim of $27,500 or more is made.
- Environmentally friendly materials or methods can be used to repair a home after a claim.
- Assisted living care coverage for a relative under contents and liability coverage.
- Lose the key to your house and The Hartford pays up to $500 to replace your locks, after a $100 deductible.
Some benefits don’t apply to young customers
Filing claims could erase price benefits
The Hartford vs. competitors
|Insurer||J.D. Power ratings||A.M. Best ratings||Multiple discounts|
The Hartford vs. Allstate
The Hartford vs. GEICO
How much does insurance from The Hartford cost?
How can I lower my premiums?
- AARP Driver Safety Program graduate
- Multiple policies
- Home alarm installation
- Safe driving history
- Good credit score
- Credit on home insurance premium for retirees
- Home insurance falls $50 for every three years you don’t file a claim
Do I have to be 50 to be a customer?
The bottom line
Reclaim Up to $610/Year in Car Insurance
Here’s the thing: your current car insurance company is probably overcharging you. But, who has the time to look around for around a new company?
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Using CarInsurance.net, people have saved up to $610 a year.
It takes just a few minutes to see how much CarInsurance.net could put back in your pocket. And the best part? Because we’re driving less, some insurers are slashing prices this month.