Hartford Home Insurance

Since its founding in 1810, the Hartford Financial Services Group has provided a wide range of financial and insurance products for its customers in the United States and throughout the world. The Hartford offers life, health, home, automobile, business, and renters insurance as well as a wide range of investment options including mutual funds, college savings plans, and annuities. A Fortune 500 company and one of the largest investment and insurance firms in the U.S., the Hartford was originally established as the Hartford Fire Insurance Company with an initial capital investment of $15,000 and has grown steadily over the years to its current multi-billion dollar net worth.

Hartford home insurance plans offer outstanding protection to homeowners against damage or destruction of their property or liability claims against them. The 100% Protection Plan is designed to cover the full cost of rebuilding or repair when the damage is due to a covered event, even if the cost of rebuilding exceeds the limits of the policy. For the contents of the home, Hartford home insurance will pay for replacements rather than paying the current market value of the lost possessions, offering homeowners a degree of financial security during an already difficult time.

Customers can personalize their Hartford home insurance coverage in a number of ways. While all policies provide dwelling coverage and reimbursement for most of the contents of the home, policyholders can also elect coverage for external structures, expenses due to loss of use of the home including hotel bills, liability insurance, medical coverage for accidents sustained on the property, and riders covering jewelry, computer equipment, antiques, fine art, credit cards, silverware, precious metals, and other items of value not covered under the basic Hartford home insurance policy.

Flood, earthquake, and termite damage are usually not covered under Hartford home insurance policies, but can sometimes be covered under a rider for an additional charge. Homeowners can reduce the cost of their coverage in a number of ways; for instance, installing a sprinkler system can reduce the damage caused by a fire. This decreased risk will often lead to a reduction in the premium costs assessed by Hartford home insurance. Additionally, by insuring their vehicles as well as their home with the Hartford, consumers can realize significant savings on their homeowners’ policies; in some cases, the discount may be as much as fifteen percent of the total annual premium. Discounts on Hartford home insurance coverage are also available for retirees, for the installation of certain burglar alarms and anti-theft devices, and for customers who renew their policies with the Hartford over an extended period of time.

The Hartford offers outstanding customer service with twenty-four hour claims service and a variety of online account management tools. Consumers can download software to help them make a full inventory of their possessions, manage payments and coverage through an easy-to-use online interface, and contact customer service professionals telephonically during the company’s extended regular business hours. Hartford home insurance plans offer maximum flexibility while providing homeowners with peace of mind and ensuring that their property is financially protected against damage and loss.