What's Covered by My The Hartford Policy?

The Hartford is one of the largest financial services companies in the United States. The company primarily offers investment and insurance services.

The company's insurance policies are primarily designed for those aged fifty years and above; hence they have partnered with AARP to provide its members with insurance coverage. However, non-members of the AARP can still purchase The Hartford insurance policies via independent insurance agents.

There are two main types of insurance covers offered by The Hartford: auto insurance and homeowners insurance policies. We look at both of the policies in turn.

The Hartford Auto Insurance

The AARP offers members auto insurance coverage via its partnership with The Hartford. There are several types of auto insurance policies offered by The Hartford.

The first auto insurance policy is called RecoverCare, which caters for costs such as transportation, cleaning, and other costs that you incur if you cannot pay them due to being in a car accident. The availability of the policy will depend on your state of residence.

There is also the new car replacement policy. If a new vehicle is wrecked within the first 15 months of purchase or the first 15000 miles of mileage, you will receive a check from The Hartford for the price of a new car of the same make and model.

The Hartford has a year-long auto insurance rate protection policy. It will lock in your premium for twelve months which is double what other insurance companies typically offer.

The Lifetime car repair assurance ensures that your car is fixed at an approved repair shop whenever it is damaged.

If you choose The Hartford's Advantage Plus package, you will get extra package features including First Accident Forgiveness. The policy ensures that your premium won't increase after your first accident as long as you haven't had another in the past five years.

The Disappearing Deductible policy reduces your collision deductible down to zero dollars for every year in which you are not involved in an accident.

Another policy feature involves the waiver of deductible which applies if you are not at fault for an accident for which you are making a claim. The emergency expense coverage caters for reasonable expenses up to $1000 whenever you travel more than 100 miles from your home.

There are also auto insurance discounts to be had from The Hartford.

Homeowners Insurance

You will enjoy many features if you choose the Home Advantage Package from The Hartford.

The "New for old" protection is a policy that replaces your old belongings with new ones. It is also known as contents replacement cost coverage.

The Hartford also has a policy that will pay up to $500 to replace your locks when you lose a key or it is stolen. However, you need to reach a $100 deductible.

There is the personal injury liability coverage which protects you against damage from a slander or libel claim. Most standard liability policies don't offer this coverage.

The Hartford's identity fraud expense coverage will cater for miscellaneous expenses for up to 25,000 after you are the victim of fraud or identity theft. You can use the money to pay for legal fees and compensate for lost income while dealing with the case.

The disappearing property deductible reduces your deductible by $50 for every three years that you don't file a claim.

There are home insurance discounts from The Hartford that you can enjoy as well as other coverage features.

For more information about what is covered by your insurance policy, please contact The Hartford customer service.