If you are shopping for a new home insurance policy, you might want to check out policies from The Hartford. It has a history going back nearly 200 years and is one of the largest insurance and investment companies in the U.S. with offices in Europe, South America and the Far East. So it is a stable and progressive company. The Hartford faces the same economic pressures facing other insurers in Florida and may not offer the types of policies you seek. But do seek out and compare policy offers from several credible carriers. We offer real time homeowners insurance quotes. A free Florida homeowners insurance quote is available to you right here at this moment, whether or not you are in Florida today.
Here is some general information about The Hartford:
Selecting the right homeowners insurance is one of the most important steps a homeowner can take to protect a house and belongings, and The Hartford gives a homeowner shopper some real options. Not all features and benefits are available in all states. Hartford features include:
- 100% Protection Plan – When a homeowner chooses this insurance benefit by insuring a home for 100% of its replacement cost, the homeowner is assured that if something happens to the home, The Hartford will pay the full cost to rebuild it. That is a promise even if rebuilding costs up to 125% of the applicable limits of your policy.
- "New For Old" Protection – With the company’s optional replacement cost coverage for contents, The Hartford will pay the actual cost of replacing possessions—regardless of age or condition—with brand new items of equal quality.
- Homeowners Deductible Forgiveness – When times are tough, The Hartford is here to help out. That’s why if a homeowner experiences a qualifying loss of $22,500 or more, The Hartford will waive up to $5,000 of the 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.
SPECIAL PROTECTION PACKAGES
Easy add-ons to a homeowners insurance protection policy are packages that bundle some of the most requested coverage for valuables. These packages offer increased coverage for jewelry, silverware, credit cards, and personal liability. The special packages also offer additional coverage, such as lock replacement and loss of perishable food. 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, The Hartford’s scheduled personal property coverage allows a homeowner to list items and their value for more customized protection. (Appraisals may be required.)
24/7 HOMEOWNERS CLAIMS HOTLINE
The Hartford’s homeowners insurance claims professionals are available any time of the day or night, ready to assist with service that is backed by a satisfaction commitment.