The Hartford Car Insurance
Overview
The Hartford insurance company was founded in 1810 in Hartford, Connecticut and provides car, home, and business insurance.
The Hartford currently serves 42 states in the U.S. including Alabama, Arkansas, Arizona, California, Colorado, Connecticut, D.C., Florida, Georgia, Idaho, Iowa, Illinois, Indiana, Kansas, Kentucky, Massachusetts, Maryland, Maine, Minnesota, Missouri, Montana, North Carolina, Nebraska, New Hampshire, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, West Virginia, and Wyoming.
The Hartford provides services through a network of more than 17,500 insurance agents and brokers.
The Hartford is the 12th-largest property and casualty company in the United States. It is a Fortune 500 company and owns $247.8 billion in total assets.
Discounts
The Hartford offers a variety of specific auto insurance discounts to their customers so be sure you’re taking advantage of all the savings you’re eligible for by contacting your current The Hartford agent or unlocking them on Insurify!
| Discount Type | Discount % |
|---|---|
| Multiple Policy Discount | up to 20% |
| Anti-Theft Device Discount | up to 15% |
| Good Student Discount | up to 15% |
| TeenSmart Discount | up to 10% |
| Defensive Driver Discount | up to 5% |
| Passive Restraint Discount | up to 3% |
| Eco-nomy Car Discount | Varies |
| Paid in full discount | Varies |
| Driving training discount | Varies |
Features and Services
The Hartford Insurance Company offers many benefits to their policyholders.
Insurance claims can be made 24 hours a day, 7 days a week online, on the mobile app, or over the phone.
The Hartford also has a mobile app to manage your policy and account information on the go. With the mobile app policyholders can store their insurance agent’s contact info, view your policy and billing documents, access your insurance ID card, track your claims, and contact roadside assistance or repair services.
Unlike other auto insurance companies, The Hartford offers 12 month rate lock protection which guarantees your insurance premiums will not increase for a full year unless you add vehicles or drivers to your policy.
The Hartford gives their customers access to their network of over 1,600+ authorized repair shops. The Hartford will stand behind the repair work for as long as you own or lease your vehicle.
For customers who own a car or renters/condo insurance policy, The Hartford offers Plus Programs that provide greater coverage and benefits. These perks include accident forgiveness, disappearing deductible, waiver of deductible, one deductible, $100 deductible reduction, property valuation assistance, rental claim inventory assistance, access to reliable home contractors, and emergency clean up services.
24/7 service
Roadside assistance
Online account management
Mobile app
Accident forgiveness
Optional Coverage
| Coverage Type | Description |
|---|---|
| Antique or Collector Car Insurance | Covers your antique or collectors edition car. |
| Accident Forgiveness | Your rates won't automatically increase after an accident even if you're at fault. |
| Vanishing Deductible | Your deductible reduces for every year of safe driving, typically by $100. |
| New Car Replacement Coverage | If your brand new vehicle gets totaled, you car will be replaced with a brand new vehicle. |
| Glass Coverage | |
| Road Side Assistance | Typically adds coverage for towing, tire changes, lockout services, and more |
| Rental Reimbursment | Reimburses the per day cost of a rental car (daily and maximum reimbursement may vary) |
| Umbrella Policy | Adds protection against liability claims/judgements when your auto insurnce liability limits have been reached. |
| Emergency Assistance Coverage | Adds extended coverage for emergency expenses such as lodging, meals and transportation if you're involved in an accident more than 25 miles from your home. |
Payment Methods
| Payment Type | Description |
|---|---|
| Automatic Online Payments | Forgetful? This option automatically charges your credit or debit card that you provided so that you never have to worry. |
| Bank Payment/Direct Deposit | |
| Credit Card Payment | |
| Debit Card Payments | |
| Mail Payment | The option to mail in a personal check or money order. Don't forget the postage, sometimes the classics never die! |
| Online Payment | Hate those annoying IVR menus? Pay your bill online. |
| Phone Payment -IVR | Ran out of postage? Want to keep things fast but simple? You can pay your bill over the phone. |
| Mobile App Payments | Welcome to the 21st century, some companies allow you to pay your bill through their phone app, just make sure you own a smart phone! |
The Hartford Insurance Products
Home Insurance
The Hartford offers a variety of home insurance products to protect your home, apartment, condo, personal belongings, and assets from many perils.
The Hartford has partnered with AARP to make the The AARP® Homeowner’s Insurance Program. The Hartford is the only home insurance company endorsed by AARP® and therefore provides flexible options, great savings, and expert service.
Available coverages and discounts may vary by state, but will most likely include:
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Dwelling coverage: Covers your home and attached structures. Includes electrical wiring, plumbing, heating and air conditioning as well as larger structures like foundations, staircases, and walls.
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Other Structures: Covered detached structures like sheds or garages.
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Personal Property: Covers items like furniture, clothing, and appliances.
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Loss of Use: Covers cost (up to policy limits) for you to live somewhere else while your home is being repaired.
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Liability
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Medical Payments
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Full Replacement Cost: Pays the full cost to rebuild your home if it is a total loss up to 125% of your coverage limits.
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ProtectorPLUS Zero Deductible Benefit: Waives homeowners insurance deductible if your home is severely damaged by a loss of $27,500 or more.
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Advantage and Advantage Plus packages: Policyholders can add these coveraged to their basic home insurance policy:
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“New for Old” Protection: Replaces destroyed personal belongings with new models.
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Personal Injury Liability Coverage
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Reimbursement for Replacing Locks: Covers up to $500 to replace locks with a $100 deductible.
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Identity Fraud Expense Coverage: Covers up to $50,000 to help you recover from fraud or identity theft. Includes The Hartford ID Hotline and identity restoration services.
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Disappearing Property Deductible: Reduces your deductible $50 for every 3 years you go without filing a condo insurance claim.
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Equipment Protection Advantage: Covers the cost of replacing appliances that break from normal wear and tear.
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Green Rebuilding: Increases policy limits up to 10% when you use environmentally friendly materials for repairing and rebuilding after a loss.
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Valuable Items “Blanket” Coverage
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Water Backup and Sump Pump Overflow
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Assisted Living Care Coverage: Extends liability coverage limits to a relative in an assisted living facility.
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Scheduled Personal Property: Covers 100% of the insured items value if damaged or destroyed in a loss.
Rental Property Protection Plus: For landlords. Covers up to 4 family rental units.
Life Insurance
Automobile Insurance
The Hartford offers a variety of basic and optional auto insurance coverages that can protect more than your car. You can also find affordable coverage for your motorcycle, snowmobile, golf cart, ATV, RV, classic car, boat, and more.
The Hartford has partnered with AARP Auto Insurance Program to offer their customers comprehensive car insurance.
Available coverages and discounts may vary by state, but will most likely include:
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Collision
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Comprehensive
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Medical payments: Will cover medical care, recovery, and rehab for you and your family after a car accident.
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Bodily Injury Liability
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Property Damage Liability
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Uninsured-Underinsured Motorist Bodily Injury
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Uninsured-Underinsured Motorist Property Damage
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Personal Injury Protection: Not available in all states. Covers losses only having to do with injuries, regardless of who is at-fault.
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Glass Coverage: An optional coverage that will cover the cost of broken glass repair without having to pay a deductible.
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Towing Coverage: Covers cost of towing and labor in the event of a breakdown.
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Rental Car Expense: Covers the cost of a rental vehicle after a collision or comprehensive loss.
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Personal Umbrella: Exceeds the liability coverage limits of your car and home insurance policies in case you are responsible for more damages.
Classic Car coverage is based on the value of your car that you and The Hartford have agreed upon. Coverage availability varies by state.
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Bodily Injury Liability
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Property Damage Liability
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Physical Damage to your auto (mandatory for collectible autos)
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Flatbed Towing
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Trip Interruption
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Full Glass
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Spare Parts
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24/7 Roadside Assistance
Boat Insurance
The Hartford offers a variety of customizable coverage options for boats and watercrafts. The Hartford has partnered with American Modern Insurance Group through Nutmeg Insurance Agency to underwrite boat insurance.
Available coverages and discounts may vary by state, but will most likely include:
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Physical damage
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Increased limits on liability
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Medical payments
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Uninsured watercraft
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Total loss replacement option
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Personal effects coverage
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Emergency Assistance and Towing
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Accessory coverage
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Trailer coverage
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Agreed value or market value hull coverage
Flood Insurance
Flood insurance is an optional coverage for homeowners that is not just for those who live by the water. Flood insurance can also protect your property from poor drainage systems, rapid accumulation of rainfall, snowmelt, and construction run-off.
The Hartford provides flood insurance through the AARP® Flood Insurance Plan and quotes established by the federal government.
Business Insurance
The Hartford offers a variety of business insurance options for Property & General Liability, Workers' Compensation and Business Auto at a competitive price.
The Hartford has partnered with AARP to provide their Small Business Insurance Program.
Available coverages and discounts may vary by state, but will most likely include:
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Business Owners’ Policy: Includes a combination of Commercial Property, General Liability and Business Income insurance.
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Worker’s Compensation
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Commercial Auto
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Commercial Property: Covers the property your business owns and leases, including buildings, equipment, inventory and furniture. It also helps cover lost income if you can’t run your business because of covered property damage.
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Data Breach: Covers liability expenses to respond to a data loss or theft.
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Home-based Business: Covers property damage, lawsuits, employee injuries, or issues related to data loss.
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Employment Practices Liability: Covers defense and damages costs resulting from a variety of employment-related claims such as allegations of wrongful termination, discrimination, workplace harassment, etc.
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General Liability: Covers business assets in the event of a lawsuit for things like negligence, personal injury, libel and slander.
