The Hartford Car 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.

Available coverages and discounts may vary by state, but will most likely include:

• 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.

• Other Structures: Covered detached structures like sheds or garages.

• Personal Property: Covers items like furniture, clothing, and appliances.

• Loss of Use: Covers cost (up to policy limits) for you to live somewhere else while your home is being repaired.

• Liability

• Medical Payments

• Full Replacement Cost: Pays the full cost to rebuild your home if it is a total loss up to 125 percent of your coverage limits.

• ProtectorPLUS Zero Deductible Benefit: Waives homeowners insurance deductible if your home is severely damaged by a loss of $27,500 or more.

• Advantage and Advantage Plus packages: Policyholders can add these coverages to their basic home insurance policy:

• “New for Old” Protection: Replaces destroyed personal belongings with new models.

• Personal Injury Liability Coverage

• Reimbursement for Replacing Locks: Covers up to $500 to replace locks with a $100 deductible.

• 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.

• Disappearing Property Deductible: Reduces your deductible $50 for every 3 years you go without filing a condo insurance claim.

• Equipment Protection Advantage: Covers the cost of replacing appliances that break from normal wear and tear.

• Green Rebuilding: Increases policy limits up to 10 percent when you use environmentally friendly materials for repairing and rebuilding after a loss.

• Valuable Items “Blanket” Coverage

• Water Backup and Sump Pump Overflow

• Assisted Living Care Coverage: Extends liability coverage limits to a relative in an assisted living facility.

• Scheduled Personal Property: Covers 100 percent 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.

The Hartford offers a variety of customizable coverage options for boats and watercraft. 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:

• Physical damage

• Increased limits on liability

• Medical payments

• Uninsured watercraft

• Total loss replacement option

• Personal effects coverage

• Emergency Assistance and Towing

• Accessory coverage

• Trailer coverage

• Agreed value or market value hull coverage

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 runoff.

The Hartford provides flood insurance through the  AARP® Flood Insurance Plan and quotes established by the federal government.

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 its Small Business Insurance Program.

Available coverages and discounts may vary by state, but will most likely include:

• Business Owners’ Policy: Includes a combination of Commercial Property, General Liability, and Business Income insurance.

• Worker’s Compensation

• Commercial Auto

• 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.

• Data Breach: Covers liability expenses to respond to data loss or theft.

• Home-based Business: Covers property damage, lawsuits, employee injuries, or issues related to data loss.

• 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.

• General Liability: Covers business assets in the event of a lawsuit for things like negligence, personal injury, libel, and slander.