The Hartford Renters Insurance Review

Last updated on Nov 07, 2025

The Hartford Renters Insurance Review

Founded in 1810, The Hartford offers renters insurance nationwide and aligns many personal-lines features with its AARP-branded home and auto programs. The company’s core insurance subsidiaries carry strong insurer financial strength ratings (A.M. Best A+; S&P A+; Moody’s A1; Fitch A+, all stable; see The Hartford credit ratings). Renters can expect standard HO-4 protections with optional upgrades and savings opportunities (e.g., bundling with auto), while overall affordability and satisfaction reflect current market conditions in home insurance lines reported by J.D. Power and the ACSI.

The Hartford Renters Insurance Overview

The Hartford remains financially strong with A.M. Best A+ (Superior) and A+ (S&P)/A1 (Moody’s)/A+ (Fitch) insurer financial strength ratings, all with stable outlooks (ratings). Current third‑party benchmarks show that satisfaction across home lines has been pressured by premium increases and claims cycle times; see J.D. Power’s Home Insurance study (1,000‑point scale) and the ACSI (0–100 scale). For claim experience trends, consult J.D. Power’s 2025 Property Claims Satisfaction Study. For complaints, use the NAIC Complaint Index, where 1.0 = market average and lower is better. As an additional reputation signal, The Hartford is an honoree on Ethisphere’s World’s Most Ethical Companies list. The company’s AARP alignment targets the large 50+ market (AARP notes nearly 38 million members; AARP), with rising digital expectations as Gen X increasingly comprises that cohort.

In business since:

1810

n/a (see latest J.D. Power home insurance study)

A+

States served (availability):

PROS

Financial strength: The Hartford’s principal insurance subsidiaries hold A.M. Best A+ (Superior) with stable outlooks and A+ (S&P)/A1 (Moody’s)/A+ (Fitch) insurer financial strength ratings (verify current ratings).
Coverage area: The company markets renters insurance across all 50 states, with options to bundle with AARP auto/home programs for potential savings (AARP Home; AARP Auto).

CONS

Customer satisfaction: Satisfaction in home insurance lines has been weighed down by premium increases and claims cycle times per J.D. Power. Complaint levels vary by Hartford subsidiary and state; check the latest NAIC Complaint Index (1.0 = market average).
Coverage options: Like most HO‑4 policies, standard renters insurance excludes floods and earthquakes; separate coverage is required. Consider endorsements and bundling strategies via The Hartford’s AARP programs where available (program details).

The Hartford Highlights

Pricing

Coverage

Customer Experience

Deals, discounts, and add-ons

Average renters (HO-4) premiums have risen in recent years and vary widely by state and coverage selection. For the most current national and state data, see the Insurance Information Institute’s renters facts page (Insurance Information Institute). Recent CPI readings also show continued inflation in 10Tenants and household insurance (BLS CPI series). Bundling with auto and using telematics-based discounts can help offset increases; price remains the lowest-scoring factor in J.D. Power s latest home and auto studies.

The Hartford s renters (HO-4) policies include standard protections: personal property, personal liability, medical payments, and loss of use (additional living expenses) for covered losses. A contents replacement-cost option ( new for old ) may be available to pay like-new value instead of depreciated actual cash value on covered items. Floods and earthquakes are not covered by standard renters policies and require separate protection. For related home endorsements through the AARP Home program ike water backup, scheduled personal property, equipment breakdown, service line, and identity fraud expense see AARP Home Insurance from The Hartford (availability varies by state).

Industry-wide, home insurance satisfaction has been affected by premium increases and weather-related losses per J.D. Power s Home Insurance study. Property claims satisfaction shows normalization in some cycle times but still depends on proactive communication and digital capabilities (2025 Property Claims Satisfaction Study). To assess company-specific complaints, use the NAIC Complaint Index (1.0 = market average; lower indicates fewer-than-expected complaints). The ACSI places P&C insurers in the high-70s to low-80s on a 0 8100 scale, with value-for-price lagging other experience dimensions (ACSI Insurance).

Renters can typically save by bundling with auto or home. The Hartford also promotes telematics/usage-based insurance discounts in auto, accident-forgiveness and deductible features (Accident Forgiveness; Disappearing Deductible) and home endorsements such as water backup, scheduled valuables, equipment breakdown, service line, and identity fraud expense via its AARP Home program (program overview; availability varies by state). If your policy includes a zero-deductible or large-loss deductible waiver feature, confirm current thresholds and terms in your state filing; these vary by policy form and location.

Methodology

For The Hartford renters insurance review we evaluated the company based on its customer rating and experience, financial stability, and coverage. To compare renters insurance companies across the board, we calculated a Reviews.com score based on the following:

Customer Ratings– Customer experience benchmarks reference J.D. Power’s U.S. Home Insurance Study (homeowners and renters, 1,000‑point scale) and J.D. Power’s U.S. Property Claims Satisfaction Study for claim-specific insights.
Coverage– We assess standard renters protections (personal property, liability, medical payments, loss of use) and available add‑ons or endorsements, including options highlighted in The Hartford’s AARP Home/Auto programs (home; auto).
Confidence– We verify insurer financial strength using A.M. Best (and, where applicable, S&P, Moody’s, Fitch); see The Hartford’s current insurer ratings here.
Customer Experience– We review complaint performance via the NAIC National Complaint Index, where 1.0 equals the market average; lower scores indicate fewer-than-expected complaints.

The Competition

Company	Reviews.com Score	AM Best Financial Strength Rating	J.D. Power (latest)**	NAIC Customer Complaints
The Hartford	—	A+	See Home Insurance Study	Use NAIC Complaint Index (1.0 = avg)
State Farm	—	A++	See Home Insurance Study	Use NAIC Complaint Index (1.0 = avg)
Geico	—	A++	Not ranked for renters; see study notes	Use NAIC Complaint Index (1.0 = avg)
USAA	—	A++	Not ranked (eligibility-restricted)	Use NAIC Complaint Index (1.0 = avg)
American Family	—	A	See Home Insurance Study	Use NAIC Complaint Index (1.0 = avg)

*Data reflects the most recent sources cited; consult current J.D. Power study pages and the NAIC tool for up-to-date brand metrics.

**Based on a 1,000-point scale

The Hartford vs. State Farm

Both offer renters insurance nationwide and maintain strong insurer financial strength (The Hartford: A.M. Best A+; State Farm: A.M. Best A++; see The Hartford ratings and State Farm financial strength). Customer satisfaction varies by year and region; reference J.D. Power’s Home Insurance study for the latest 1,000‑point benchmarks and check each brand’s current complaint experience via the NAIC Complaint Index. State Farm’s scale and agent footprint provide broad access, while The Hartford’s AARP orientation can offer value for eligible 50+ renters seeking affinity benefits and bundling options.

The Hartford vs. Geico

GEICO is a financially strong carrier (A.M. Best A++; see GEICO ratings) that sells renters through partners and emphasizes direct, digital service. The Hartford’s renters product is offered nationwide and may be most compelling when bundled with its AARP auto/home programs (AARP Auto; AARP Home). Compare current satisfaction indicators using J.D. Power and review complaint performance in the NAIC Complaint Index for the specific state and line of business.

The Bottom Line

The Hartford’s renters insurance is a solid option for AARP members and 50+ shoppers who value strong financial backing and the ability to bundle with auto/home. External benchmarks show industry-wide pressure on satisfaction due to pricing and claims dynamics, so experiences can vary by market and year (J.D. Power; ACSI).

Strengths include insurer financial strength (A.M. Best A+; current ratings) and access to endorsements across The Hartford’s AARP programs (e.g., water backup, valuables scheduling, identity fraud expense). Before buying, compare quotes, verify complaint ratios in the NAIC Complaint Index, and review the latest satisfaction trends in J.D. Power.

The Hartford Renters Insurance Review

State Farm

USAA Renters

Allstate

Advertiser Disclosure