The Hartford Insurance review 2025
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At a glance
Auto
3.9
Cost & ratings
3.7
Coverage
4.5
Support
3.6
Home
3.9
Cost & ratings
3.4
Coverage
4.3
Support
4.3
About Bankrate Score
Bankrate's take
Policyholders who are AARP members and value customer service over cheap rates might find The Hartford suits their needs.
- The Hartford ranks high in the J.D. Power U.S. Auto Insurance Study for some regions.
- Insurance policies with The Hartford are available to AARP members aged 50 or older, and for non-members through independent agents.
- The Hartford home insurance has a NAIC complaint index well below the industry average.
New
At the beginning of 2024, The Hartford, along with several other providers, decided to stop writing new home insurance policies in California. Existing homeowner’s policies will still be eligible for renewal in the state.
The Hartford car insurance review
The Hartford could be an excellent choice for auto insurance, but it depends on your needs and if you qualify. The Hartford is available to members of the American Association of Retired People (AARP), and is also available to non-AARP members through The Hartford’s network of independent insurance agents. To become a member of AARP, you must be 50 or older and apply.
The Hartford car insurance offers all the standard coverage you would expect. Additionally, it offers some stand-out coverage options. Two of these include new car replacement and RecoverCare, which could help pay for necessary services you may require after an accident, like house cleaning or dog walking.
According to our extensive review of The Hartford car insurance, this company may not be the cheapest car insurance company for most drivers. However, drivers willing to pay a little extra for reliable customer service may be interested in requesting a quote from The Hartford due to its decently high scores in some regions covered in the 2024 J.D. Power U.S. Auto Insurance Study. While not ranked in every region, the insurer placed well above average in overall customer satisfaction in the Southwest and Florida, but slightly below average in the Mid-Atlantic and Northwest. Even though The Hartford may have higher than average premiums, The Hartford earned a respectable auto Bankrate Score, thanks in part to its regionally high customer satisfaction scores.
Pros and cons of The Hartford car insurance
The Hartford may be one of the best car insurance companies for drivers who qualify. When shopping for new coverage, consider the pros and cons of The Hartford to help you determine how it matches your needs compared to other insurers.
Pros
- High overall customer satisfaction scores from J.D. Power in some regions
- Coverage add-ons available
- Repairs made from an approved repair shop due to a covered claim are guaranteed for as long as you loan or lease the vehicle
Cons
- Increased NAIC complaint index score in 2023
- Accident forgiveness is not available for purchase and can only be earned after five years, with state limitations
- Average full coverage rates with The Hartford are slightly higher than the national average
The Hartford car insurance cost
According to proprietary rate data we analyzed from Quadrant Information Services, the national average cost of car insurance for a full coverage policy in May 2025 is $2,692 per year. For minimum coverage, the average annual rate is $808 per year. Average rates for The Hartford car insurance are $3,581 and $1,144 per year, respectively. However, how much you pay for car insurance depends on several personal rating factors, so you may pay more or less than average.
How much is The Hartford car insurance?
Insurance rates can significantly fluctuate based on a variety of driver profiles, including age, driving history and the type of vehicle insured. Not all companies offer policies to drivers with DUI convictions, highlighting the importance of comparing quotes for personalized coverage options. Bankrate utilizes proprietary premium data from Quadrant Information Services to delve into these nuances and aid in your insurance analysis. The table below illustrates how diverse driving behaviors might influence your premium, providing a clearer view of potential costs across different scenarios.
|
|
|
|
|---|---|---|
|
Good driver, good credit
|
The Hartford full coverage premium
$3,581
|
National full coverage premium
$2,692
|
|
The Hartford full coverage premium
$3,690
|
National full coverage premium
$4,731
|
|
|
The Hartford full coverage premium
$5,566
|
National full coverage premium
$3,286
|
|
|
The Hartford full coverage premium
$7,646
|
National full coverage premium
$3,875
|
|
|
The Hartford full coverage premium
$12,853
|
National full coverage premium
$5,247
|
The Hartford car insurance quotes by age
Another factor that can determine how much you pay for car insurance is your age. Typically, younger drivers pay more for car insurance due to their statistically higher risk of being involved in a car accident. For example, the Insurance Information Institute (Triple-I) found that almost 43 percent of all fatal car accidents in 2021 involved drivers aged 16 to 20. In the tables below, you’ll find the average rates for The Hartford car insurance for drivers that may be eligible for coverage based on age. The rates below are based on having a clean driving record.
|
|
|
|
|---|---|---|
|
The Hartford full coverage premium
$7,706
|
National full coverage premium
$5,768
|
|
|
The Hartford full coverage premium
$6,640
|
National full coverage premium
$5,170
|
|
|
The Hartford full coverage premium
$5,482
|
National full coverage premium
$5,459
|
|
|
The Hartford full coverage premium
$4,580
|
National full coverage premium
$3,320
|
|
|
The Hartford full coverage premium
$4,117
|
National full coverage premium
$2,874
|
|
|
The Hartford full coverage premium
$3,581
|
National full coverage premium
$2,692
|
|
|
The Hartford full coverage premium
$3,101
|
National full coverage premium
$2,436
|
Compare The Hartford car insurance rates
Car insurance premiums can vary significantly from one insurer to another, influenced by factors such as coverage options, the insurer's risk assessment and the policyholder's personal details. The Hartford, known for its comprehensive coverage and specialized services, typically presents rates that are higher than the national average and exceed those of many other prominent insurers. This reflects The Hartford's focus on delivering value through extensive support and benefits, catering to a clientele that prioritizes quality and reliability in their auto insurance coverage.
|
|
|
|
|||
|---|---|---|---|---|---|
|
$3,581
|
$3,581
|
$1,144
|
$1,144
|
||
|
$2,891
|
$2,891
|
$958
|
$958
|
||
|
$2,210
|
$2,210
|
$718
|
$718
|
||
|
$3,310
|
$3,310
|
$951
|
$951
|
||
|
$2,068
|
$2,068
|
$597
|
$597
|
||
|
$2,038
|
$2,038
|
$723
|
$723
|
||
|
$2,825
|
$2,825
|
$907
|
$907
|
||
|
$2,234
|
$2,234
|
$715
|
$715
|
||
|
$2,206
|
$2,206
|
$728
|
$728
|
||
|
$1,868
|
$1,868
|
$489
|
$489
|
||
|
CSAA
|
CSAA
|
$3,142
|
$3,142
|
$660
|
$660
|
The Hartford customer satisfaction
To evaluate insurance companies’ service, Bankrate’s insurance editorial team analyzes a variety of sources, including J.D. Power scores for both customer and claims satisfaction. These scores range up to 1,000 points. The higher a company’s score, the more satisfied its customers are with its service.
The Hartford auto claims satisfaction
The Hartford scored slightly above average in the 2024 J.D. Power Auto Claims Satisfaction Study, which looks at the experiences of policyholders who have filed a claim, worked with a Hartford agent and completed the claims process.
The Hartford auto insurance customer complaints
Along with J.D. Power studies, we also review the number of complaints lodged with the National Association of Insurance Commissioners (NAIC). To quantify this data, the NAIC issues each company a complaint index score, with the baseline (or average) index score being 1.0. For example, if a company ranks above 1.0, it has more complaints than average (or the baseline). The opposite is also true — if a company falls below 1.0, it has fewer complaints than average.
The Hartford’s private passenger auto product scores 1.18 on the NAIC complaint index, the first time it has had more complaints than average since 2021.
The Hartford car insurance discounts
The Hartford car insurance may be more expensive on average, but the company offers a handful of potential discounts that may help you save. The company doesn’t always specify the exact savings amounts for its discounts, but these opportunities include:
- AARP discount: AARP members might save up to 10 percent on their policies. Must be 50 or older to be eligible for this discount.
- Online quote discount: Completing an auto quote online could qualify you for up to an 8 percent discount.
- Billing discounts: Paying your premium in full instead of monthly payments and paying your bill on time are two easy ways to earn a discount
- Vehicle fuel type discount: Owners of electric or hybrid vehicles may be eligible for savings.
- Defensive driver course discount: Completing an approved course could provide a discount for three years.
- TrueLane Program: Enrolling in The Hartford's telematics program could lead to an initial discount of up to 12 percent, with the possibility of an additional 25 percent off at renewal based on safe driving habits.
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Get personalized auto insurance quotes
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The Hartford home insurance review
The Hartford received a 626/1,000 from the 2024 J.D. Power Home Insurance Study, which falls short of the 640/1,000 average for overall satisfaction. However, The Hartford still ranks above other prominent providers, such as AAA, Farmers and Travelers. Homeowners insurance from The Hartford is not available in all states. Its reduced availability and lack of data surrounding average rates negatively impacted The Hartford’s home Bankrate Score, but it still earned a 3.8 out of 5, thanks partly to its decent customer satisfaction scores, discount availability and coverage options.
The Hartford could be one of the best homeowners insurance companies for shoppers looking for robust coverage. Alongside standard homeowners coverage types like dwelling, other structures and personal liability, The Hartford also offers an extensive list of coverage add-ons that allow for a personalized policy. For instance, The Hartford’s Green Rebuilding coverage will increase a policy’s limits up to 10 percent to account for the added expense of using environmentally-friendly materials to rebuild or repair a home. Another option is the company’s New for Old protection, which may offset depreciation by replacing your personal property with brand-new belongings when required due to a covered loss.
Pros and cons of The Hartford homeowners insurance
It can be easy to lose track of the options that various companies provide when you’re comparing homeowners quotes. If this is the case, you might find it helpful to compare a list of The Hartford’s pros and cons to help see if it stands out against other options for what you’re looking for.
Pros
- Robust coverage options
- Low NAIC complaint index may indicate that homeowners are generally happy with the service the company provides
- Available discounts may help lower premium
Cons
- Customer service not available 24/7
- No average rates available
- Not available in all states
The Hartford home insurance cost
Rates provided by Quadrant Information Services reveal that the national average cost for a homeowners policy in the U.S. in May 2025 stands at $2,329 annually for $300,000 in dwelling coverage. The Hartford’s rates are detailed below across various coverage limits, offering a clear perspective on how they measure up to the national average. Homeowners seeking a more personalized quote can either visit The Hartford’s website for an online estimate or contact an agent directly.
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|---|---|---|
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$150K dwelling
|
The Hartford average premium
$1,363
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National average premium
$1,437
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|
$300K dwelling
|
The Hartford average premium
$2,054
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National average premium
$2,329
|
|
$350K dwelling
|
The Hartford average premium
$2,259
|
National average premium
$2,600
|
|
$450K dwelling
|
The Hartford average premium
$2,656
|
National average premium
$3,141
|
|
$750K dwelling
|
The Hartford average premium
$3,911
|
National average premium
$4,437
|
Compare The Hartford homeowners insurance rates
Homeowners insurance rates can vary significantly from one company to another, reflecting differences in coverage options, risk assessments and regional factors. The Hartford's rates are detailed below alongside comparisons with nine other major insurers, providing a comprehensive view of how these rates stack up against the competition. This comparison can help homeowners make an informed decision by highlighting potential cost differences based on $300,000 of dwelling coverage.
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|---|---|---|---|---|---|
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$2,054
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$2,054
|
- $275 |
- $275 |
||
|
$2,102
|
$2,102
|
- $227 |
- $227 |
||
|
$2,243
|
$2,243
|
- $86 |
- $86 |
||
|
$1,253
|
$1,253
|
- $1,076 |
- $1,076 |
||
|
$2,700
|
$2,700
|
+ $371 |
+ $371 |
||
|
$1,864
|
$1,864
|
- $465 |
- $465 |
||
|
$3,124
|
$3,124
|
+ $795 |
+ $795 |
||
|
$1,916
|
$1,916
|
- $413 |
- $413 |
||
|
$2,660
|
$2,660
|
+ $331 |
+ $331 |
||
|
$1,728
|
$1,728
|
- $601 |
- $601 |
The Hartford customer satisfaction
When considering The Hartford for home insurance, it's useful to look at third-party ratings to gauge customer satisfaction. These ratings can provide insights into the insurer's claim handling, customer service and overall reliability. However, it's important to remember that individual experiences can vary, and what works well for one policyholder might not be the ideal fit for another. Ratings should be seen as one of several factors to consider, alongside personal needs and preferences, when evaluating an insurance provider.
The Hartford homeowners claims satisfaction
The Hartford also ranked just below average in the 2024 J.D. Power U.S. Property Claims Satisfaction Study with a score of 864 vs. an industry average of 869. Again, speaking to policyholders may be the best way to determine true customer experience with the insurer.
The Hartford home insurance customer complaints
In addition to analyzing J.D. Power studies, we consider the volume of complaints filed against each company with the National Association of Insurance Commissioners (NAIC). The NAIC assigns a complaint index score to each insurer to quantify this information, where a score of 1.0 represents the industry average. Thus, a score above 1.0 indicates a higher-than-average number of complaints, while a score below 1.0 suggests fewer complaints relative to the average.
Regarding NAIC complaints, in 2023 The Hartford’s homeowners insurance line had a complaint index of 0.53, well below the industry average.
The Hartford home insurance discounts
Contact a Hartford agent to see what discounts you’re eligible for. If you qualify for several homeowners discounts, you could see significant savings on your monthly home insurance premiums. Keep in mind that The Hartford doesn’t advertise all of its discount details, which is why it’s important to reach out to an insurance agent for more information. You may want to see if the following discounts are available:
- Retiree credit: Homeowners who work 24 hours a week or less may save on their homeowners policies, as long as they live in an eligible state.
- Fire protection discount: Installing sprinklers or a fire monitoring system could help lower your rate.
- Bundling discount: Bundling your home and auto insurance could save you up to 12 percent on your auto policy and up to 20 percent on your home policy.
- Claim-free discount: Eligible homeowners could earn a discount that increases the longer they remain claims-free with The Hartford.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with The Hartford
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The Hartford life insurance
The Hartford doesn’t offer life insurance. However, the AARP Life Insurance Program provides whole life insurance written through New York Life.
Compare life insurance providers quickly and easily
See which provider is right for you.
Whole life insurance combines life insurance with an investment component.
- Coverage for life
- Tax-deferred savings benefit if premiums are paid
- 3 variations of permanent insurance: whole life, universal life and variable life include investment component
Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time.
- Fixed premium over term
- No savings benefits
- Outliving policy or policy cancellation results in no money back
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This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare The Hartford with other insurers
Whether due to ineligibility or rates, you may not be sure if The Hartford is the right company for you. If this is the case, then it may be worth comparing coverage and requesting quotes with one more of the companies below:
|
Featured
The Hartford
3.9
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Cost & ratings 3.5Coverage 4.4Support 3.9 |
State Farm
4.2
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Cost & ratings 4.3Coverage 3.8Support 4.5 |
Geico
4.3
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Cost & ratings 4.5Coverage 4.0Support 4.4 |
|---|---|---|
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OVERVIEW
Bankrate identified key carrier features, coverage offerings, discounts and more
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Policyholders who are AARP members and value customer service over cheap rates might find The Hartford suits their needs.
Read More
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Shoppers who prioritize digital tools may find State Farm appealing. With its full-service mobile app and online portal, State Farm policyholders can manage their policies from the convenience of their homes. State Farm premiums may also be lower than average.
Read More
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Policyholders who value cheaper car insurance and digital capabilities over bundling multiple insurance policies with the same company might consider Geico as their company of choice.
Read More
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STANDOUT FEATURES
These features are some of the carrier’s most impressive
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Coverage add-ons available
Decent customer satisfaction
Discounts to lower premium
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Two safe driving programs
Numerous discounts offered
Local agents available
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Robust digital tools
DriveEasy telematics program
Offers coverage in Mexico
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AVG FULL COV. AUTO RATE
Average national annual cost of a full coverage auto insurance policy
|
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| $3,581 | $2,891 |
$2,194 |
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J.D. POWER AUTO SCORE
J.D. Power’s Auto Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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| 701/1000 |
710/1000 |
692/1000 |
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AVG HOME RATE
Average national annual cost of a home insurance policy with $300K in dwelling coverage
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$2,054 |
$2,102 | No rates available |
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J.D. POWER HOME SCORE
J.D. Power’s Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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725/1000 |
661/1000 | Not Scored |
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AM BEST RATING
AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
|
||
| A+(Superior) |
A++(Superior) |
A++(Superior) |
Why you can trust Bankrate
Read our full methodologyThe insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Is The Hartford Insurance a good insurance company?
The Hartford could be a good company, but it depends on what you’re looking for in an insurance provider. According to Bankrate’s review of the company, which includes research by our team of insurance experts and have collectively reviewed over 100 other carriers, The Hartford may not be a good fit if you are budget-conscious and need the lowest rates possible. Eligibility requirements may also be a concern. However, if you are an AARP member who finds value in reliable customer service, you may want to consider including The Hartford when requesting quotes.
What are real-life customers saying about The Hartford?
To offer a broader perspective on The Hartford's insurance services, we've gathered feedback from real customers who have shared their experiences online, particularly on platforms like Reddit and Trustpilot. While Reddit serves as a vibrant forum for open discussion and Trustpilot as a platform for customer reviews, both provide valuable insights into the experiences of The Hartford's policyholders. Through these platforms, customers offer candid reflections on their interactions with The Hartford, covering aspects such as customer service, claims handling and overall satisfaction, giving potential customers a glimpse into what they might expect.
Reddit users offer mixed reviews about The Hartford, with one expressing frustration over a claim experience where they felt undervalued after an accident involving their daughter, criticizing the use of certain estimating software and comparables. Conversely, another user, presumably from the industry, praises The Hartford, suggesting that dealing with claims from their customers tends to be straightforward and hassle-free, highlighting a notable contrast in customer experiences.
Trustpilot
Trustpilot reviews for The Hartford showcase experiences ranging from highly positive interactions, where claims handlers are lauded for their professionalism and compassion, to frustrations over significant rate increases following an accident, even with a long history of safe driving.
The Hartford company details
If you need to contact The Hartford, here are a few ways to do so:
- Auto customer service: 1-800-423-6789
- Homeowners customer service: 1-800-423-0567
- Auto quotes: 1-888-546-9099
- Homeowners quotes: 1-877-422-2345
- Website available at: www.thehartford.com
- General correspondence:
- P.O. Box 14219
Lexington, KY 40512
State availability
The Hartford car insurance is available in all 50 states for AARP members. However, The Hartford home insurance is not available in AL, AK, DE, FL, ID, IA, MS, MT, NE, NV, NY, ND, RI, SD, WA, WA D.C. and WY.
The Hartford tools and benefits
In addition to the AARP perks that The Hartford’s customers are automatically eligible for (like discounts on groceries, car repairs, travel expenses and pet insurance), you may also find these benefits helpful:
- Umbrella insurance: Shoppers interested in extra financial protection could be interested in purchasing umbrella insurance from The Hartford.
- Unique auto insurance: Drivers can get insurance policies that cover snowmobiles, RVs, golf carts, ATVs and classic cars.
- AARP member services: Your membership gives you access to specialized credit cards, personal loans, financial planning services and more.
- Flood insurance: The Hartford offers policies through the National Flood Insurance Program (NFIP) that protect homeowners from the financial consequences of water damage caused by flooding.
- Renters and condo insurance: You don’t have to be a homeowner to protect your wallet against damage to your personal belongings. The Hartford writes renters insurance and condo insurance policies that cover liability and personal item protection.
- Business insurance: The Hartford offers policies for large and small businesses.
- The Hartford Insights: The Hartford Insights is a hub of articles that cover a breadth of subjects, including health and wellness, economic trends and safety. Here, readers can also learn more about insurance topics, The Hartford and other industry happenings.
Frequently asked questions about The Hartford
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
Rates
Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
Dwelling coverage
$300,000Other structures coverage
$30,000Personal property coverage
$150,000Loss of use coverage
$60,000Liability coverage
$500,000Medical payment coverage
$1,000The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Dwelling coverage:
- Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
- Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
- Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
- Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
- Coverage E, Liability: $500,000
- Coverage F, Medical Payments: $1,000
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
What policyholders are saying about The Hartford
The Hartford has 50 reviews
Dive into community reviews below and see what others think about The Hartford.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
recommend this insurer
In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Community Reviews
