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The Hartford Auto & Home Insurance Review

Updated on October 7, 2019
Kenna McHugh profile image

Kenna worked on an extensive insurance program helping consumers understand the pros and cons of auto and home insurance companies.

The Hartford auto insurance and home insurance is affordable for seniors.
The Hartford auto insurance and home insurance is affordable for seniors.

The Hartford Insurance Review and Quotes

The Hartford mainly serves mature drivers aged 50 and older through an alliance with AARP, including discounts and incentives to members. Non-AARP members buy services through independent insurance agents. The Hartford insurance customer service offers more than a car and home insurance. Service also includes business insurance, mutual funds, bonds, exchange-traded funds, and college savings.

The Hartford Auto Insurance Coverage Options and Discounts

AARP car insurance coverage through The Hartford offers insurance quotes based on these options:

Lifetime renewability auto insurance never an issue and will be renewed so long as you can drive. You meet a small number of requirements, including a valid driver’s license and pay your premiums.

Assistance after an accident, RecoverCare helps pay for any work you need around the home, which the auto accident prevents you from doing. It includes house cleaning, food preparation, lawn maintenance, dog walking, snow removal, and transportation services.

New car replacement within 15,000 miles or 15 months, whichever comes first, replaces your brand-new car purchase without depreciation subtracted.

The Hartford insurance claims will find a repair service for you hassle-free with lifetime car repair assurance.

Disappearing deductible for auto insurance, maintain an excellent driving record and the collision deductible decreases in yearly increments until zero deductible.

Waiver of the deductible for a not-at-fault accident, the accident is not your fault, and the collision deductible becomes waived.

First accident forgiveness saves money if you have a violation and an accident-free record for five years. You qualify for no increase in premium and first accident pardoned.

Two or more of the insurer’s vehicles involved in an accident only one deductible applies to the claim.

Collision coverage makes sure the repairs of the damaged car occur no matter who is at fault of the accident.

Your vehicle breaks down on the road the 24-hour roadside service is available.

Your vehicle breaks down on the road the 24-hour roadside service is available.


The Hartford auto insurance saves 50-and older members on premiums.
The Hartford auto insurance saves 50-and older members on premiums. | Source

Insurance Discounts

To lower your premium rates, The Hartford provides these discounts, including:

  • New vehicle – Receive a discount for owning a new car.
  • Hybrid vehicle – Receive a discount for owning a hybrid car.
  • Personal umbrella discount – Provides a discount for protecting against freak or costly accidents.
  • Non-resident student discount – Check with your agent and find out about receiving a reduction for children going to school away from home.
  • Bundle and Save – Create a bundle and save 20% on renters, condo, or home insurance, includes 5% on auto insurance.
  • Limitations apply to all coverages based on insurance adjuster’s approval of the benefited amount of the claim for the policyholder.

The Hartford Home Insurance Coverage and Discounts

AARP home insurance coverage through The Hartford offers insurance quotes based on these services, including:

Home and attached buildings receive dwelling coverage, including plumbing, electrical wiring, heating, and air conditioning, walls, and staircases.

Other structures or buildings not attached to your house receive coverage on the property.

The personal property protects personal belongings such as appliances, furniture, and clothing. With additional funding added, coverage is available for keepsakes or extra valuable items like jewelry or rare items.

Living expenses up to policy limits based on loss of use if you cannot live in your home due to a covered loss.

Liability protects you in two approaches. One arranges for legal defense in a liability lawsuit. The second one, based on policy cap, pays any court judgments filed against you for covered losses.

Helps pay medical payments like emergency room fees for anyone who gets injured on your property. Liability insurance helps pay for medical bills based on policy limits.

Full replacement cost, maybe more covers the full cost to rebuild your home provided the total loss is no more than 125% of your coverage limits. The coverage limit may go as high as 150%, depending on where you live.

The Hartford insurance claims waive insurance deductible with ProtectorPLUS zero deductible benefit, stopping at $5,000 by authorizing loss of damages starting at $27,500 or more.

Home insurance packages enable you to save on your premiums.
Home insurance packages enable you to save on your premiums. | Source

Home Adantage Package

Home advantage package is a bundle with these coverages on top of your base policy:

If your possessions get destroyed and by a covered loss, “New for old” protection provides the cost for new replacements of the equivalent, even if old or not an excellent condition when the damage occurred.

Personal Injury Liability Coverage covers possible damages stemmed from a slander or libel claim.

Loss of a key to the front door causes a hassle. Reimbursement for replacing locks takes the hassle away with a new lock for the door or new locks for all the doors when a key gets stolen. Coverage stops at $500 for lock replacement, including a $100 deductible.

Identity fraud expense coverage reimburses out-of-pocket expenses to recover fraud or identity theft, stopping at $50,000 if you have Advantage plus package, includes legal fees and lost income.

Home advantage plus package incorporates coverages on top of those the Home advantage package and base policy:

Disappearing property deductible rewards policyholders for safe home or condo by lowering the deductible by $50 every three years, providing you go without any insurance loss. The deductible can reduce down to $0.6.

The policyholder receives help with the cost of repairing or replacing electronics and appliances that break down over normal handling with Equipment breakdown coverage.

Home Advantage Plus Package

Home advantage plus package incorporates coverages on top of those the Home advantage package and base policy:

Disappearing property deductible rewards policyholders for safe home or condo by lowering the deductible by $50 every three years, providing you go without any insurance loss. The deductible can reduce down to $0.6.

The policyholder receives help with the cost of repairing or replacing electronics and appliances that break down over normal handling with Equipment breakdown coverage.

Keep in mind, the lowering of deductible exempts Equipment breakdown and Mine Subsidence coverage.

The Hartford insurance saves 50-and older members on premiums.
The Hartford insurance saves 50-and older members on premiums. | Source

Lowers Your Premiums and Receives Credits

The Hartford home insurance lowers your premiums and receives credits include:

  • Bundling coverage by saving 5% on car insurance and 20% on home, condo, renters insurance
  • Install burglar alarms
  • Install a sprinkler system
  • Install smoke alarms
  • Longtime customer
  • Retiree credit

The Hartford Ratings, Reviews, Customer Satisfaction and Complaints

J.D. Power and Associates rank car insurance adhering to a 5-star rating. J.D. Power rated The Hartford with three stars for overall satisfaction, product offerings and pricing, and a grade of four stars for billing and processing and claims handling.

The Better Business Bureau gave The Hartford a score of C+ (A+ highest to F the lowest.) because the Bureau has not accredited The Hartford insurance company.

Consumer Affairs reports The Hartford services drivers of all ages and offers superior insurance quotes to drivers 50 or older. Partnered with the AARP, the American Association of Retired People serves close to 40 million members. Many members are happy with the Hartford insurance customer service. Premature cancelation fees may apply and expensive for high-risk and young drivers.

Reasons Why the Hartford Is a Great Option

Who is this insurance company best for?

24/7 Car Insurance Claims Hotline – AARP members can call The Hartford insurance customer service any time of day 1-877-805-9918, for their 6-point Claim Commitment with The Hartford insurance claims filed online.

People who need legal help - The Hartford offers legal representation to help legally resolve your accident.

Hartford vs Geico

Comparing Hartford with Geico, Hartford affiliation with AARP offers policyholders many discounts such as driving a hybrid vehicle. Geico offers policyholders additional discounts for vehicles with daytime running lights and accident forgiveness.

Additional Policies Offered by the Hartford

The Hartford includes insurance:

  • Renters
  • Rental Property
  • Boats
  • Rv/Trailers
  • Snowmobiles
  • Golf Carts
  • All-Terrain Vehicles
  • Off-Road Vehicles
  • Classic Cars
  • Motorcycles

Contact the insurance customer service about The Hartford at work insurance coverage.

Frequently Asked Questions

1. What do I need to do to get a quote?

The Hartford insurance quote is available online, where they connect you with a local independent insurance agent.

2. How do I file a claim with The Hartford?

The Hartford customers file claims online at The Hartford website or call their local insurance agent. Once The Hartford insurance claim filed on the website, policyholders can track its progress.

Comments

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    • Kenna McHugh profile imageAUTHOR

      Kenna McHugh 

      5 days ago from Northern California

      Angel, I am sorry to hear that the insurance industry is not what you expected. I have found that it takes a lot of research to find the one that best suits you and your family. Harford is one of my favorites overall for seniors and those who have excellent driving records.

    • Angel Guzman profile image

      Angel Guzman 

      6 days ago from Joliet, Illinois

      Hmm...I am not aware of any Hartfords near me. I like the partnership they have and desire to help seniors. I have been in the insurance industry two years now and its not what I expected :(

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