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Reviews Report
- J.D. Power’s latest benchmarks come from the 2025 U.S. Auto Insurance Study (reported by geographic region on a 0–1000 scale) and the 2025 U.S. Home Insurance Study (national Homeowners scores). The Hartford’s auto satisfaction is shown by region rather than a single national score.
- Auto and home insurance through The Hartford are offered via AARP programs and require an active AARP membership; AARP membership is open to adults at any age. See AARP membership and program details on The Hartford’s AARP portals for auto and homeowners coverage. Availability and features vary by state and underwriting.
- The Hartford offers group life insurance through employers (not sold to individuals), commonly including services such as beneficiary counseling, will/estate resources, funeral planning, and travel assistance; enrollment often supports digital evidence of insurability. See The Hartford’s Group Benefits and Beneficiary Assist.
The Hartford Insurance was founded in 1810 and was originally established as a fire insurance provider. Over time, the company broadened into personal lines (auto/home via AARP programs), commercial lines, and group benefits. Today, personal auto and homeowners coverage are offered primarily through AARP-branded programs that require active membership, and availability varies by state. In the current hard market for personal lines—marked by elevated loss costs and catastrophe impacts—carriers (including The Hartford) have adjusted pricing and underwriting by state, which can affect features and availability; see industry context from Swiss Re (2024/25 outlook) and J.D. Power’s research on pricing pressure and satisfaction (2024 U.S. Auto Insurance Study).
The Hartford Insurance Overview
| Auto insurance | Home insurance | Life insurance | |
| J.D. Power Customer Satisfaction Score* | Reported by region in the 2025 U.S. Auto Insurance Study (0–1000); no single national score | Published nationally in the 2025 U.S. Home Insurance Study (Homeowners) (0–1000) | N/A |
| AM Best Financial Strength | A+ (Superior), Outlook: Stable | A+ (Superior), Outlook: Stable | A+ (Superior), Outlook: Stable |
*For current customer satisfaction results, see J.D. Power’s U.S. Auto Insurance Study (regional rankings) and U.S. Home Insurance Study (Homeowners). Earlier claims studies such as 2021 Auto Claims Satisfaction Study and Property Claims Satisfaction Study are separate and not the basis for the scores referenced here. AM Best currently affirms The Hartford’s core P&C subsidiaries at A+ (Superior), generally with a Stable outlook; verify via the AM Best Ratings Center and The Hartford’s credit ratings page.
The Hartford Auto Insurance
The Hartford offers standard car insurance and classic car coverage in most states through the AARP Auto Insurance Program from The Hartford. An active AARP membership is required to purchase a policy. Program features can include 12‑month policy terms, network repair guarantees, RecoverCare assistance after covered injuries, and optional telematics via TrueLane; availability varies by state and eligibility. See program details at AARP Auto Insurance Program from The Hartford and TrueLane.
- Strengths: Robust add‑ons and program benefits for AARP members, including options like New Car Replacement, Accident Forgiveness (if qualified), full glass coverage (where available), and a lifetime car repair assurance when you use a network shop. Many policies feature 12‑month rate protection and RecoverCare assistance for certain post‑accident essential services. Features vary by state and underwriting. Sources: AARP Auto Insurance Program.
- Restrictions: Available in most states and only to AARP members; adults can join AARP at any age, with full member status at 50+. Eligibility, coverage options, and benefits vary by state and underwriting. Sources: AARP membership, The Hartford AARP Auto.
- Discounts: Common savings include bundling auto with home/renters, multi‑car, safe driver, defensive driving course discounts, vehicle safety/anti‑theft, payment and account options (paid‑in‑full, autopay, paperless), and participation in TrueLane (where offered). Discount availability and amounts vary. See AARP car insurance discounts.
The Hartford Home Insurance
The Hartford’s homeowners insurance is offered to AARP members in most states through the AARP Homeowners Insurance Program from The Hartford. Coverage and optional endorsements are designed to address common gaps (e.g., service line, water backup), and bundling with auto can unlock additional savings. Availability, features, and discounts vary by state and underwriting; verify options at quote time on The Hartford’s AARP homeowners page.
- Strengths: Strong menu of endorsements, including Water Backup and Sump Overflow, Equipment Breakdown, Service Line Coverage, Identity Fraud Expense Coverage, Scheduled Personal Property, Replacement Cost on Personal Property, and Green Rebuilding options. Endorsements and limits vary by state. Sources: Homeowners coverages & options, Home insurance endorsements.
- Restrictions: Homeowners insurance is available only to AARP members and in most states. Eligibility, underwriting appetite, and specific features vary by state/market conditions. Source: AARP Homeowners Insurance Program.
- Discounts: Typical ways to save include bundling home and auto, protective device credits (monitored alarms, smoke detectors), claims‑free discounts, newer home/approved renovation credits (state‑dependent), and payment/account options like paid‑in‑full, autopay, and paperless billing. Savings vary; not all discounts are available in all states. Source: home insurance discounts.
The Hartford Life Insurance
The Hartford’s life insurance is available through employers as group term life (basic and voluntary) with optional dependent coverage; it is not sold directly to individuals. Employers and employees benefit from digital enrollment and evidence‑of‑insurability capabilities, and plans commonly bundle value‑added services to support beneficiaries and families. This aligns with broad employer adoption of group life benefits reported in industry surveys. See Group Benefits, Beneficiary Assist, and market context from BLS (2024) and SHRM (2024).
- Strengths: Value‑added services such as funeral planning/concierge, beneficiary counseling (legal, financial, grief resources), EstateGuidance will services, and travel assistance/identity theft support; streamlined digital EOI and administration for voluntary life. Sources: Beneficiary Assist, Group Benefits.
- Restrictions: Only sold via employers as workplace benefits; not available for individual purchase. Coverage is typically term life; plan design, eligibility, and services vary by employer and state.
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