The Hartford review: Top pick for auto insurance with a wide variety of benefits for AARP members
The Hartford; Savanna Durr/Insider
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The Hartford insurance pros and cons
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The Hartford auto insurance review
There are four types of insurance coverage: liability insurance (required by most states), comprehensive, collision, and full car coverage. Your lender may require comprehensive and collision coverage if you lease or finance your car.
The difference between the various coverage types is outlined in the table below:
| Damage | Comprehensive | Collision | Liability | Full |
| Theft | Yes | No | No | Yes |
| Vandalism | Yes | No | No | Yes |
| Fire | Yes | No | No | Yes |
| Natural disaster | Yes | No | No | Yes |
| Falling objects (tree) | Yes | No | No | Yes |
| Animal damage | Yes | No | No | Yes |
| Collision/accident | No | Yes | No | Yes |
| Rollover | No | Yes | No | Yes |
| Bodily injury/medical bills | No | No | Yes | Yes |
| Physical damage | No | No | Yes | Yes |
| Property damage | No | No | Yes | Yes |
| Uninsured motorist | No | No | Yes | Yes |
The Hartford homeowners insurance review
As a member of
Homeowners insurance protects your dwelling, personal belongings, and offers personal liability coverage for injuries that happen on your property. Standard homeowners insurance looks like the table below, but coverage varies depending on your provider:
| Coverage | Included with homeowners insurance? |
| Dwelling/structure | Yes |
| Personal liability | Yes |
| Personal belongings | Yes |
| Loss of Use (additional living expenses) | Yes |
| High-end electronics/special jewelry | Limited, requires add-on* |
| Equipment breakdown | Yes |
| Electrical outage | Yes* |
| Service lines | Yes* |
| Cyber liability | Yes* |
| Water damage | Yes |
| Flood | No** |
| Wind or hail | Yes, but not high winds*** |
| Earthquake | No* |
| Pets | Yes* |
*Available as add-on coverage if not part of policy
**Flood insurance is available through the NFIP and approved insurers
***If you live in hurricane or tornado areas, additional windstorm rider may be required
The Hartford renters insurance review
Renters insurance will cover your personal property in the event of damage and theft. Your landlord is responsible for insuring the building and structure. A renters insurance policy has three main parts: personal property coverage, personal liability coverage, and "loss of use" coverage.
Personal property covers lost, damaged, or stolen belongings. Personal liability protects you if your pet injuries a guest, if someone is injured in your unit, or if you are sued for damages. "Loss of use" coverage assists you with relocation costs if your rental becomes unlivable due to damage.
| Coverage | Included with renters insurance? |
| Dwelling/Structure | No - landlord responsible |
| Personal liability | Yes |
| Personal belongings | Yes |
| Loss of Use (additional living expenses) | Yes |
| High-end electronics/special jewelry | Limited, requires add-on* |
| Roommates | No |
| Cyber liability | Yes* |
| Water damage | Yes |
| Flood | No** |
| Wind or hail | Yes |
| Earthquake | No* |
| Pets | Yes* |
*Available as add-on coverage
**Flood insurance is separate coverage
Data from Hippo Insurance
The Hartford insurance vs. the competition
The Hartford | American Family | Amica Mutual Insurance | |
| Availability | Regional presence | Regional presence | Regional presence |
| Types of insurance offered | Auto, homeowners, renters | Auto, homeowners, life, pet, renters | Auto, homeowners, life, pet, renters |
| Claims and customer satisfaction |
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Is The Hartford trustworthy?
We checked the NAIC Complaint Index for complaints against The Harford. The Hartford has significantly fewer complaints filed against it compared to other top insurers.
The Hartford's financial stability is strong, with an A.M. Best rating of A+ (Superior). While The Hartford is a legitimate insurance provider, it's important to do your own research to ensure that The Hartford is the right insurance company for you.
The Hartford insurance — Frequently asked questions
What types of insurance does The Hartford offer?
The Hartford offers homeowners, renters, condo insurance, and insurance for businesses. The Hartford also offers life insurance, but it can only be purchased through an employer if available.
What states does The Hartford insurance cover?
The Hartford's AARP auto program is available in all states, and the Hartford's AARP homeowners program is available in all states except for Florida. For non-AARP members, home policies are not available in Alaska, Delware, Florida, Hawaii, Louisiana, Massachusetts, Michigan, Mississippi, New Jersey, and Rhode Island. For non-AARP members, auto policies are not available in Alaska, Delaware, Hawaii, Massachusetts, Michigan, Mississippi, New Jersey, and Rhode Island.
Do I have to be an AARP member to purchase a The Hartford policy?
No, you do not have to be an AARP member to purchase a policy. However, AARP members have access to a wide array of perks, benefits, and discounts that non-AARP members may be excluded from.
How do I get a quote from The Hartford?
You get a quote by using The Hartford's quoting tool. You can also call 888-413-8970 to get in touch with one of The Hartford's insurance agents.