The Hartford | Homeowners Insurance

The Hartford Homeowners Insurance
3.9
Protect your home and peace of mind with trusted coverage for life’s unexpected events.

Average Premium

  • $300k dwelling coverage $2254 / year
  • $750k dwelling coverage $4299 / year

Coverage States

Rates by Dwelling Limit

Dwelling Limit The Hartford National Average
$150K dwelling $1,486 $1,459
$300K dwelling $2,254 $2,424
$350K dwelling $2,483 $2,740
$450K dwelling $2,923 $3,374
$750K dwelling $4,299 $5,254

Pros & Cons

Pros
  • Comprehensive coverage choices
  • A low NAIC complaint index suggests homeowners are typically satisfied with the company’s service
  • Discounts available could reduce the premium
Cons
  • Customer support not open 24/7
  • Average rates not provided
  • Not offered in every state

Discounts

  • Retiree credit: Homeowners who work 24 hours per week or less may qualify for savings on their homeowners policies, provided they reside in an eligible state.
  • Fire protection discount: Installing sprinklers or a fire-monitoring system may reduce your rate.
  • Bundling discount: Combining your home and auto insurance could lower your costs — up to about 12% on auto and up to about 20% on home coverage.
  • Claim-free discount: Qualified homeowners may receive a discount that grows the longer they remain claims-free with The Hartford.

Details

  • Customer service: 1-800-423-0567
  • Quotes: 1-877-422-2345
  • Website: thehartford.com
  • Mailing Address: P.O. Box 14219 Lexington, KY 40512

More Insurance Options

  • Renters Insurance
  • Home Warranty