HOMEOWNERS INSURANCE
Great Benefits
for Homeowners
Key Features of Homeowners Insurance
Selecting the right homeowners insurance is one of the most important steps you can take to protect your house and your belongings. Here are some key features and benefits that The Hartford offers for home insurance.
Not all features and benefits are available in all states.
100% Protection Plan
When you choose this homeowners insurance benefit and insure your home for 100% of its replacement cost, you’re assured that if something happens to your home, we’ll pay the full cost to rebuild it—even if it costs up to 125% of the applicable limits of your policy.
"New For Old" Protection
With our optional replacement cost coverage for contents, we’ll pay the actual cost of replacing your possessions—regardless of age or condition—with brand new items of equal quality.
Homeowners Deductible Forgiveness
When times are tough, we’re here to help you out. That’s why if you experience a qualifying loss of $25,000 or more, we’ll waive up to $5,000 of your homeowners insurance deductible.
This coverage does not apply to special deductibles such as hurricane, earthquake, coal mine subsidence, special wind/hail or optional special theft deductibles.
24/7 Homeowners Claims Hotline
Our homeowners insurance claims professionals are available any time of the day or night, ready to assist you with service that is backed by a satisfaction commitment.
Special Protection Packages
As an easy and convenient way to add to your homeowners insurance protection, we offer packages that bundle some of the most requested coverage for valuables. These packages offer increased coverage for jewelry, silverware, credit cards and personal liability. They also offer additional coverage, such as lock replacement and loss of perishable food to your home insurance.
Available packages may vary by state.
Scheduled Personal Property
For homeowners who need more than $5,000 of protection for valuables, or have special valuables such as antiques or fine art, our scheduled personal property coverage allows you to list items and their value for more customized protection. (Appraisals may be required.)
Be Flood Smart!
Most homeowners insurance policies don’t cover flood damage to your home or its contents. The good news is that flood insurance is available from The Hartford through the federally-backed National Flood Insurance Program (NFIP).
Click here to learn more about flood insurance and to request a quote.
CONDO INSURANCE
Condo Insurance
You Can Count On
Your condo association may insure the structure of your condo - but not the interior of your condo or your personal belongings.
Condo insurance is designed to protect your home and your possessions in case of unforeseen occurrences such as fire, theft, or water damage. And with The Hartford, you'll have the peace of mind that comes with knowing you have customized insurance for your needs from a provider you can count on.
Not all condo insurance features and benefits are available in all states.
Features and Benefits
"New For Old" Protection
With The Hartford's replacement cost option, we'll pay the actual cost of replacing your possessions after a claim. Regardless of the age or condition of your belongings– we'll replace them with new items of equal quality.
24/7 Claim Service
Our condo insurance claim professionals are available any time of the day or night, ready to assist you with expert claim service.
Special Protection Packages
Here's a smart way to add to your condominium insurance protection. Take advantage of our packages that bundle some of the most requested coverages for valuables. Your condo insurance can include increased coverage for jewelry, silverware, credit cards and personal liability, plus coverage you might not think about, like lock replacement and loss of perishable food.
Available packages may vary by state.
Scheduled Personal Property
For condo owners who need more than $5,000 of protection for valuables, or have special valuables such as antiques or fine art, our scheduled personal property coverage allows you to list items and their value for more customized protection. (Appraisals may be required.)
Be Flood Smart!
Most homeowners insurance policies don’t cover flood damage to your home or its contents. The good news is that flood insurance is available from The Hartford through the federally-backed National Flood Insurance Program (NFIP).
Click here to learn more about flood insurance and to request a quote.
RENTERS INSURANCE
Save on Your
Renters Insurance
If you rent an apartment or other property, take a look around your home. Are there valuable items that you would be hard-pressed to replace if they were destroyed or stolen?
Many renters assume that their landlord's insurance policy covers the tenant's personal property, but that is rarely the case. If you rent, you should consider a renters insurance policy that covers items like TVs, computers, furniture and clothing. Make a list of what you own; you may be surprised at how much you have at stake.
Renters insurance from The Hartford comes with features and benefits that make a real difference in the way you're protected. Consider getting a renters insurance quote.
Not all features and benefits are available in all states.
"New For Old" Protection
If you choose our replacement cost coverage on contents, we want to give you a fresh start. With our renters insurance, we'll pay the actual cost of replacing your possessions—regardless of age or condition—with new items of equal quality.
24/7 Hassle Free Claim Service
Our renters insurance claim professionals are available any time of the day or night, ready to assist you with expert claim service.
Optional Endorsements Available
In our endorsement portfolio, we also offer numerous optional endorsements such as:
- Replacement Cost Contents Coverage
- Green Rebuilding
- Equipment Protection Advantage
- Valuable Items "Blanket" Coverage
- Assisted Living Care Coverage
- Water Backup and Sump Pump Overflow
- Personal Injury Liability Coverage—for potential damage for libel or slander.
- Increased ID Fraud Expense Coverage—up to $50,000
*Certain coverages, features, and credits vary by state and may not be available to all insureds.
Scheduled Personal Property
For renters who need more than $10,000 of protection for valuables, or have special valuables such as antiques or fine art, our scheduled personal property coverage allows you to list items and their value for more customized protection. (Appraisals may be required.)
Be Flood Smart!
Most renters insurance policies don't cover flood damage to your contents (personal property). The good news is that flood insurance is available from The Hartford through the federally-backed National Flood Insurance Program (NFIP).
Click here to learn more about flood insurance and to request a quote.
FLOOD INSURANCE
Why Consider
Flood Insurance
for Your Property
Flood Insurance Comes Separately
Because homeowners insurance policies do not provide coverage for damage caused by flood, home flood insurance is one of the smartest ways to protect your home and your belongings. When you consider that a flood loss is 30 times more likely to occur than a fire loss, it’s a good idea for many homeowners to look into purchasing flood insurance.
Understanding Flood Insurance
Generally, a flood insurance policy provides coverage for physical damage to your home or personal property directly caused by a flood.
Building property flood insurance and personal property flood insurance are not the same thing. Each type must be purchased separately. Generally, the National Flood Insurance Program encourages people to purchase both types of insurance so that both your home and the contents within it are protected.
Flood Insurance Coverage
It's important to know that flood insurance cost is established by the federal government. As a result, all companies offering flood coverage will use these same rates to determine your cost.
Still, you may be able to save money if you live in a low-to-moderate risk area and meet the requirements for a preferred risk policy. Our specialists can help you determine if your home and contents are eligible for this lower-cost option.
Keep in mind, also, that when costs are the same, a good way to get more value for your money is to choose a company that provides you with a higher level of service.
The Hartford features highly trained specialists ready to answer your questions and provide you with a fast, personalized flood insurance quote.Call The Hartford's flood insurance specialists today at 1-800-296-7542.
Tips and Tools
The National Flood Insurance Program provides several useful tools at FloodSmart.gov to help property owners protect themselves.
IDENTITY THEFT INSURANCE
Identity Theft Protection
When You Need It Most
What is Identity Theft?
Identity theft is a serious crime, affecting about 9 million Americans each year. While identity theft insurance can't prevent the crime from happening, it can minimize your losses and help you regain your good name after identity fraud.
Identity theft occurs when your personal information, such as your name, credit card number, or Social Security number, is stolen and used without your permission.
It also takes many forms – as thieves may use your identity to open a new credit card or charge up an existing one, steal from your bank account, take out a loan, or even rent an apartment. You may not even realize your identity has been stolen – at least not until you review your credit card statement and notice unfamiliar charges – or until you're contacted by a debt collector.
How Identity Theft Protection Works
The Hartford offers an optional protection called identity fraud expense coverage, which can be added to a homeowners, condo or renters insurance policy. Available at limits of $25,000 or $50,000, this identity theft insurance coverage pays for losses you incur, including legal fees.
Availability of identity fraud expense coverage varies by state.
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