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4.3

Overall Score

LAST UPDATED: March 10th, 2024

The Hartford offers several insurance products, including home insurance through a partnership with AARP. This partnership makes the insurer stand out from competitors in the home insurance industry.

AARP members can benefit from essential home insurance coverages and helpful discounts when they purchase home insurance from The Hartford. You can also buy renters, home, and auto insurance through The Hartford and AARP partnership.

Founded in 1810, The Hartford has a long history as an insurer. It has also received high financial strength ratings, which further solidifies the company's ability to stand the test of time and be financially stable.

Top Ranked Companies

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The Good

  • High Financial Strength Ratings
  • Partnership with AARP
  • Essential Coverage
  • Helpful Discounts

High Financial Strength Ratings

The Hartford has received a high financial strength rating from A.M. Best, which indicates that the insurer is financially stable and likely to be able to meet claims obligations. You can be confident when purchasing a policy from The Hartford.

High financial strength ratings are common for top companies in the home insurance industry.

Partnership with AARP

The Hartford stand out from competitors for its partnership with the AARP. Through this partnership, AARP members can benefit from savings and credits on their home insurance policies.

Essential Coverage

The Hartford offers common coverage options for the industry:

  • Dwelling and other structures
  • Personal property
  • Loss of use
  • Personal liability
  • Medical payments

Although some insurers offer additional coverages like for service lines, you'll have the essentials covered through The Hartford.

Helpful Discounts

The Hartford offers several of the common discounts for the industry:

  • Bundling home and auto
  • Claims-free
  • Home safety devices

In addition to these discounts, you can benefit from a retiree credit as a retired AARP homeowner and a renewal credit if you renew your policy for four years.

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The Bad

  • Insufficient Customer Insight
  • Limited Availability

Insufficient Customer Insight

There are not many The Hartford reviews on BestCompany.com, which means our understanding of the customer experience is limited. However, it is a good sign that most of the reviews are positive.

Limited Availability

The Hartford works with the AARP to offer home insurance in 39 states. If you don't live in one of these states, you'll need to find another insurance carrier.

It's also unclear whether The Hartford only offers home insurance through its partnership with the AARP. If you're not an AARP member or don't qualify for membership, you may need to find another insurance provider.

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The Bottom Line

If you're an AARP member, exploring home insurance from The Hartford is worth it. You'll benefit from essential coverage and can save through some common discounts and a credit specifically for retired AARP homeowners.

If you live outside of the states The Hartford serves, you'll need to find another provider.

Additional customer insight would be helpful in understanding the customer experience. However, The Hartford has many positive features for those who qualify.

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Star Rating

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4.1

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12 Reviews

Review Breakdown

5 grade

58%

4 grade

17%

3 grade

8%

2 grade

8%

1 grade

8%

Sentiment Criteria

Value

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Quality

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Service

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Trustworthiness

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LUPE P RAMIREZ El Paso, TX

The Hartford insurance is supposed to be for disabled vets and give discounts. 2023 I paid 1830.00 for homeowners insurance now it's going up to 2300.00 for 2024. Where are the discounts?

2 weeks ago

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Bradly Wolkis Phoenix, AZ

We have been in our Forever Home now for 27 years. I call it that, because when we moved in, I told myself that I would never move again, & I would die in this house. I HATE moving. Well, so far so good. I haven’t moved & I haven’t died. In all of these years, I’ve only had one homeowners insurance claim. I remember it like it was yesterday. It was on my sons 30th birthday. Phoenix, Arizona experienced THE WORST hailstorm in recorded history. Hundreds of thousands of buildings had their roofs damaged or destroyed. My roof was great before the storm but badly, badly damaged and needed to be replaced. The Hartford was Johnny On The Spot. Quick, fair, honest, friendly and I had my new roof before the next storm, with no further damage. Now the roofing company was horrible , but that’s a story for a different day.

1 year ago Edited August 19, 2022

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Michelle Crane Phoenix, AZ

I have spoken to Hartford customer service and can tell why they are rated #1 in customer service because I have seen that first hand. The representatives are knowledgeable, friendly, and very easy to work with. For home insurance, I like that you can easily get a quote on their website so that you can see price information. Very reliable and excellent company!

1 year ago Edited September 20, 2022

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Pamela Bittner Arlington, TX

I had a good experience with The Hartford. I really never had to call them - I never had a claim. I had my homeowner's policy through them from 2015-2017. They made the annual renewal process easy and were always fair with their rates.

1 year ago Edited November 4, 2022

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Joy Henry Pleasant Grove, UT

Our experience with The Hartford for our home insurance was uneventful. We didn't have a single claim but they were always there. The premiums went up so we had to shop it to find a lower price. Great Company and service when we had it.

5 years ago

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M. Nielsen South Bend, IN

Shopping around for home insurance, I was told by some friends to call the Hartford, I'm so glad I did they answered all my questions and concerns and gave me the best coverage at a great price.

1 year ago

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Deborah Hyde Springfield, MO

I like the peace of mind that Hartford provides. We have used them a number of times for home issues and have been happy with the customer service. They are easy to use and file a claim through and there are a lot of providers in their network.

5 years ago

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Julie Martinez Mesa, AZ

They were very affordable for years. We never made a claim and then in 1 year they raised our premiums by more than 100% and said it was due to new laws. We left and went with another company who issued the same policy for cheaper than Hartford's original premium.

5 years ago

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mark mason Fort Lee, NJ

When I had a lot of hail damage that got my roof very damaged, they were here and took care of me getting everything fixed in a very timely matter.

1 year ago

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Bess Wilfong St Louis, MO

I like the fact that the Hartford explains their coverage to their customers, and we had a good experience with our claim.

1 year ago Edited September 22, 2022

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Jeffrey Salas Gilbert, AZ

I feel like im getting the best service for the best price. Makes me feel good about my decision.

5 years ago

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Ann Stinson

Overrated, overpriced, customer service not professional.

1 year ago