Hartford Homeowners Insurance Reviews
3.80 / 5 based on 108 Reviews | Submit Your ReviewSatisfactionClaimsCostBillingService
Founded in 1810, Hartford insurance was ranked 78th on the Forbes Top 100 list in recent years. The company is primarily represented by independent agents nationwide, but also provides direct sales through such distinguished companies as AARP. The Hartford is also a leading supplier of financial tools, including annuities, mutual funds and college tuition savings accounts.
Company InformationOne Hartford Plaza
Hartford, CT 06155
(860) 723-4289 (Fax)
Last Updated: 2019-07-11
Company Reviews (108)
Unexplained enormous premium increase., August, 2016
I received my premium notice and found a 5.2 % increase. I called customer service and asked why when no claim has been made, and we live in area that is not subject to hurricanes or floods. I explained that I thought an increase of this size should be explained. The response was that they sent out the premium notice 45 days in advance of the due date. But he had no explanation for the increase. I told him that I wanted to know why, because my policy states that the liability portion of the policy could be raised by the amount of inflation for our area, and inflation is less than 1%. After putting me on hold to check my policy his reply was that all policies went up uniformly due to company wide claims. Again I asked why that wasn't explained in the premium notification. He couldn't give me an answer. I told him this will be the last time they receive a premium from me. This type of business practice needs to be exposed. It is nothing less than extortion. Where is AARP? Why are they exposing their members to this type of business practice? Who is the consumer advocate who will protect Seniors from AARP?
Denied first claim, August, 2016
I live in Yucaipa California and never had one claim until my water heater blew two weeks ago and flooded our spare bedroom. Hartford AARP denied the claim saying it was a leak over time and is was not covered. I have been investigating and it seems they decline almost all claims. I would strongly suggest finding another insurance company. They only take the money, (THEY NEVER GIVE ANY BACK), and its sad because I am a 100% disabled Vet and I live on a fixed income
What Happened, February, 2017
We have been with Hartford for several years. The premiums kept going up and we started looking around this year. We had only a minor claim a few years ago on a piece of art and wondered why they were getting so expensive. I called to verify they had the current addition of solar panels on our house and found out they had been over insuring and adjusting our values AND Premiums for 5 years!! Worse yet, in spite of no claims, they will not refund any of the money overpaid even though they admit it was their fault when we added the original solar panels 5 years ago. It makes me wonder how they will respond if we have an actual claim. We will be looking at other reviews and at other companies before our renewal date. Very sad. We trusted them.
Good company, November, 2016
Hartford is a good company.they were lower in premium cost when i started with them 3 years,but they raise rates each year eventhough i did not make any claims.
the cost of coverage has increased from last year more than $3000.00
Information Sharing, October, 2017
Totally unacceptable procedures @ The Hartford:
When I opted to leave American Family I applied to Hartford. During the interview I was told my Homeowners premium would be higher than normal as I had made a claim with American Family some 5 years prior. No claim against Hartford but they took information that SHOULD have been protected and used it against me for no other reason than a money-grab. Total and complete BULLSHIT but these big companies can literally write their own rules and stick you as there is a clause you agree to (fine print) that says you give them permission to share your history with other such insurance firms. We, as consumers, are literally exposed to such practices that would be labeled as unlawful in any other industry. Call your Congressman or Representative and demand there changes to be made!!
The policy costs, July, 2017
The policy continues to increase. Started out around $750, is now $1690 for the year. Nothing has changed with my residence to cause the policy to be increased every year.
50 plus year customer very unhappy, May, 2016
My mother is insured with Hartford and has been for 50 plus years, but this company takes advantage of elderly widows. Mother's house flooded after broken pipe and she has been out of her house for 7 months and still not back in yet. They wanted her to settle on 14000.00. Plus they don't want to give her living expense because she is living with my sister. No where in the policy does it say anything about you won't get this living expense if you stay with relative s. This company is the biggest rip off insurance company i have every seen. My mother ended up getting a public adjuster and this Russell guy with Hartford got pissed off and he has done nothing but drag his feet on everythin, hold a grudge and make things worse for my mother. On top of everything he said there was no reason why my mother could not have live in her house why waiting for everything to settle. Russell would you let your mother live in a house with no flooring, musty smell because it has taken so long for you to get your s__t together and make this right. If you total up all the premium s that my parents have paid to Hartford over the 50 something years they have been with them there should not have been any questions about fixing her house. What a piece of crap company, don't do business with them and especially russell he is the biggest con artist. What a joke. I will make sure too post reviews on every social network site about how horrible this company is and how horribly russell handles everything. But when your working for a family owned insurance business like he is you can treat your customers anyway you want and not worry about getting fired because no family member is going to have the balls to firer another family member. Big joke!!!!!
Hail Damage Claim - NEVER AGAIN, July, 2015
I filed a complaint with the Department of Insurance in Michigan to request that I receive fair and equitable compensation for damages sustained to my dwelling, structures, and contents as a result of a hail storm that occurred on 5/27/15. The assessment of damages provided by The Hartford Insurance Company were substantially lower than the damages identified by the adjuster and certified HIAAG roof inspector from the Claims Assistance Team. Based on the report by the Claims Assistance Team, there were many items either missed by The Hartford Adjuster and Donan Engineering.
Given the overwhelming evidence from the Claim Assistance Team and the threat of taking this issue to the state’s department of insurance, the Hartford had no choice but to award me the full amount of my request.
By being persistent on my request, obtaining a second opinion, and not taking the first offer, I was able to increase my recovery from $7600.00 to $27,500.00.
Looking for new quotes, February, 2015
received notice that policy was increasing by 40 %though no claims in 10 years
Horrible Customer Service , March, 2016
submitted claim 2 months ago and still waiting no one calls you back, no one answers your emails, worst customer service. still waiting for my kitchen. living without a working kitchen going into 3 months now. long process and painful. everything is fine, as long as you don't have a claim to submit .. $$ back very undervalued with what you have to replace. GOOD LUCK
They love to take your money!, July, 2015
A company can be great at servicing your policy (making changes, etc.), but you don't really know how the company operates until you make a claim.
My advice => AVOID this company at all costs. They will gladly take your premiums for years, but don't try making a claim.
Houses in ALL directions on my street and behind me are getting replacement roofs because of hail damage. Me? NOPE! The difference? NONE of them are insured by The Hartford.
Just giving you fair warning to stay clear of this company.
TOO MUCH, April, 2014
DONT APPRECIATE THE COST CLIMBING 15% IN ONE YEAR. NOW PAYING AS MUCH FOR HOME INS AS USE TO PAY FOR HOME AND AUTO.
Kicked my 88 year-old father to the curb..., July, 2016
My father has had Hartford homeowners insurance through AARP for at least 15 years and never filed a claim. We paid half of the annual premium in late December. Dad forgot to pay the balance. I got a notice on 7/7/2016 stating that the policy was canceled on 6/27/2016, called on 7/8/2016 and asked about paying the balance and continuing coverage.
They told me that the policy was "non-reinstatable" and that I must find another carrier. Asking to escalate the issue and speak to a manager did not help. I offered to pay the full balance on the spot... No dice...
Keep in mind that my father religiously paid his bills for many years, and was never late previously.
A call to my own agent with Traveler's, and a few emailed documents, got us a policy in a couple of hours with slightly higher limits and $200 lower premium.
They actually did us a favor, but I hope that the corporate-stooge bean-counters who make these policies live to be 88... just so it can happen to them too...
DON'T FILE A CLAIM COMPANY!, February, 2016
Hartford starts out great and will take your money but it will cost you if they have to pay it back. The great floods of 2014 WERE NOT chargeable claims according to FEMA but someone neglected to tell the Hartford that. Homeowners increased 70% due to 1 basement flooding claim. I'm glad they raised it because I was able to secure insurance at a $900.00 plus savings with another company. Thanks Hartford!
Hartford is a good company, but rates have become excessive, especially auto.
Happy but Sad, March, 2013
I have been happy with this company until recently. Their rates have doubled in the last two years that is why I am looking for other insurance.
Home Owner, February, 2012
Recent increases in premiun are excessive. Premium doubled from prior year. Past premiums were lower than the competion. Customer serve has been excellent.
The Hartford, February, 2013
Heavy financial penalty for repair of water damage to home.
Hartford Home Insurance, August, 2013
One claim processed in a speedy, professional manner. Courteous service rep. Significant increase in rate for 2014.
Rate Increase, March, 2015
Rate increase 90% in the last year. Other than the increase everything was fine. We acquired Hartford from AARP Insurance.
Disappointed, March, 2016
I was carrying both Homeowner's and Auto with The Hartford. No claims on either, but my auto was dropped. They continued to carry my homeowner's. Upon renewal, it jumped $528 three weeks after renewal. It had already gone up $235 for lack of the multiple product discount. Seems unethical they didn't determine the second increase until after the HO only renewal occurred. Shopping for a new provider at this very moment.
Had a policy for 34 years & Hartford canceled, August, 2016
Had a homeowners policy with Hartford for 34 years & they were always paid on time. They cancelled it in May, & lied about the reason both to me & California state department of Insurance Case# RUS-7062984. A Disgusting Company that avidly practices redlining. I had 2 claims during the life of the policy, one in 1984, & the last one in 1998.
Lousy Service, Ambiguous Rules, July, 2016
I have 4 policies with Hartford - 2 homes and 2 vehicles have been insured with this company for over a decade. During that time I have made 2 claims. Neither were very big. Both were for water leaks in a rental property but the claims process for each claim was unpleasant and ugly. The attitude was like "how dare you submit a claim". The last one was so bad I ended up giving a 3 star (out of 5) rating for the service (the claim wasnt closed yet but I still received an email asking for a rating). Well, that was a big mistake. After I submitted that rating the claims agent took the review intensly personal and just plain stonewalled everything. I ended up calling the supervisor three times ovet two months before I actually siuceeded in finally settling that claim and getting the work completed.
Recently I bought another house. I called Hartford to ask for a quote. Long story short, after over an hour and a half on the phone I was told that they would decline to offer insurance on the new house because it had a wood burning stove and I couldnt produce a certifcate that the stove had been professionally installed and inspected. DECLINE to insure??? There was a dozen better ways to handle this: They could have simply asked that I get an inspection certificate!! Or they could have asked me to sign a legally binding document committing to have it removed by a certain date! But instead they just summarilly declared that they were declining the business. My escrow is supposed to close in two days and will be postponed if I cant demonstrate adequate insurance.
I will survive this, but no thanks to Hartford. I have already found another company that I am confident will be much less expensive over the long run. And I will be transferring ALL my policies to the new company where they might acctually appreciate my business.
hard to reach and slow, March, 2016
We had water damage on 2 kitchens in our 2 family house. It's taken 4 weeks to get the agent to say that maybe next week they will finalize the estimate. The agents are difficult to reach and it's a game of phone tag which frustrating. I would never recommend this company to anyone. I'm sure that when they read these critical observations they, the agents, have a good laugh.
Good Coverage, November, 2014
Almost all is good. Not overly excited about some of the policy points
Price comparison, April, 2013
Hartford is an ecxcellent company but their rates are very high.
been with the Hartford for about 10 years, August, 2012
I have been with the Hartford for about 10 years and I just want to look around to see how they are compared to uthers.
high premiums, April, 2015
Good but premiums too high
Failure to provide coverage, August, 2016
My wife and I have been with AARP The Hartford for our home and auto insurance for many years. Their rates, up until now, have been very competitive and their phone customer service in servicing our policy has been excellent. However we recently had three claims with them. Two were on my car. One was an accident which required me to supply them the same information four different times. They kept having computer errors requiring me to resubmit a lengthy set of answers. They paid the claim correctly. The second car claim was hail damage which they handled well. The third claim was on our house for the same hail storm that damaged our car. We had multiple contractors verify hail damage. Several of our neighbors had new roofs put on due to this storm. I could visually see divots in the shingles. Hartford said their was hail damage to some flashing and gutters (and obviously to my car which was in the driveway) but miraculously my roof was spared damage. We contested. Their only accepted process was for them to hire a forensic engineer who inspected the roof and, surprise, agreed with the company that was paying their bill. We asked for an independent inspector and they refused. Low cost insurance is not all that good if you can't get them to honor their agreed to coverage.
u suck, March, 2015
U all suck
the hartford, February, 2014
no rewards for no claims
homeownerzs, February, 2012
this insurance has been around for years, when i joined aarp this was the only insurance company aapr put me through. the price has aways been good
house has too much coverage, May, 2014
dwelling is cover for $207,000. tax acces is 125,000 I can buy any home in our neighhood for
this amount. I would buy another home if we lost this one,I would not rebuild. This amount makes the deductible 2070.!!
Coverage, July, 2013
No longer insure manufactured homes thru Foremost. This is the first manufactured home we've purchased.
it was my grandfather policy he is unable to speak. im staying with him and paying bills was late. mother do not have power of attorney papers so they cancelled him. because they cant speak with him to add my mother or me.
Good policy and service, May, 2016
Association with AARP got us started. Discount with auto insurance, overall competitive costs, good online and phone service. Wish Hartford insured homes in Florida.
estate property, January, 2015
The hartford is discontinuing coverage as this property is in an estate and the property is vacant.Once theestate is settled the property will be sold
Satisfied , September, 2012
was satisfied with the Hartford and had both auto and homeowners, customer service is good.
Car Insurance Only, December, 2013
We only have our car insurance through them.
i'm looking for a policy that is not quite as exspensive
Second home insurance, April, 2013
Hartford does not cover homeowners insurance in Florida. Need to find a carrier that handles condo insurance. Also interested in flood insurance.
cost of policy went up over 200 dollars
Very good company, April, 2016
They unfortunately do not insure log homes. But wish they did and I would use them in a min ute
Great company. But just bought a vacation home in FLorida and they won't write new policies any where in the state of FL. Very disappointed in that!
one thing at a time, June, 2015
good produce, save time and money ,, thank you Harford
Hartford, January, 2013
Excellent insurance but they do not cover unoccupied home owners insurance for people selling their homes.