The Hartford offers home insurance coverages for your house and personal property. Standard homeowners insurance helps protect your home and belongings if they're damaged in the event of a covered loss.

We're a property and casualty insurance company with more than 200 years of experience. Whether you need business insurance or personal liability insurance, our specialists can help get you the right type of insurance. Get a liability insurance quote today.

Homeowners insurance policies generally cover destruction and damage to a residence's interior and exterior, the loss or theft of possessions, and personal liability for harm to others. Three basic levels of coverage exist: actual cash value, replacement cost, and extended replacement cost/value.

The Hartford is the only auto insurance endorsed by AARP for its members, offering a variety of discounts and benefits that include: AARP car insurance discount – Save up to 10% just for being an AARP member. Home and auto insurance bundle – Save when you have auto and home insurance with us.

The Hartford Car Insurance Reviews. Our editorial team gives The Hartford a score of 8.2 out of 10.0 and recognizes it as a solid option for older drivers with an AARP membership.

Water Backup and Sump Pump Overflow: If your property is damaged by backed up water or overflow from a sump pump, this can help pay for the repairs. This coverage does not pay for damage from flood or surface water. It also does not cover normal wear and tear.

The Hartford Financial Services Group Inc: Overview It offers insurance products for homeowners, renters, workers' compensation, business income, commercial property, data breach, auto, general liability, professional liability, bond, management liability, inland marine and livestock.

Most experts agree that life, health, long-term disability, and auto insurance are the four types of insurance you must have.

Like most common-law concepts, it has taken many individual cases and many decades - in some cases, centuries - to develop a settled view of the necessary elements for a valid insurance policy. These elements are a definable risk, a fortuitous event, an insurable interest, risk shifting, and risk distribution.

5 Things That Are Not Covered by a Standard Homeowners Insurance Policy

• Floods.
• Earthquakes.
• Home businesses.
• Everyday wear and tear.
• Home neglect.

If you ever wonder if your AARP membership is worth it, consider some of these extras

• Benefits on the Go.
• Online Games.
• Eyewear, Vision Exams and Hearing Care.
• Dining, Shopping and Technology Discounts.
• Free Online Movie Screenings.
• Prescription Discounts for the Whole Family.

AARP is a nonprofit, nonpartisan organization that empowers retired people to choose how they live as they age. AARP offers membership benefits ranging from discounts, healthcare options, insurance products, travel-related services, education, and learning resources.

Ratings methodology The Hartford has a score of at . 435, which means it receives 60% fewer complaints than expected for a company of its size. (The expected number would be 1.0.) Our coverage options rating is based on both the number and quality of additional coverage and policy options offered by the company.

AARP earned 4.5 stars out of 5 for overall performance. NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.