Home becomes one of the most valuable assets in people’s life. As maintaining your home, home insurance is needed to protect it from unexpected things. By having a home insurance, you do not need to worry if something bad happens to your house. Home insurance will protect the house or even you from damaged such as flood, earthquake, fire, tornado, and other natural disasters. Also, home insurance also will help you to solve the problems as you lost some personal belongings due to theft. Several home insurance also offers coverage if your guest injured because of your home property.
These days, looking for a home insurance is an easy thing. There is a lot of insurance company that provides home insurance with many coverage options. Even, some of them offer some exclusive discounts and best deals for its products. However, choosing a home insurance sometimes can be a tricky one. It is like putting our trust to someone. That is why as you choose a home insurance, you need to pick the trusted and professional one. As looking for a trusted home insurance,
the Hartford home insurance can be a good one for you!
What is Hartford Home Insurance?
The Hartford is one of the best insurance companies that have helped people over 200 years. They help people in protecting their vehicles, homes, life, and others. The home insurance by Hartford will help you in protecting your investment at your home. There are a lot of coverage options that fit your budget and needs. Homeowner’s insurance by The Hartford will protect your financial as something terrible happen to your home due to natural disasters or theft. What’s more, they also will help you by offering liability protection as someone injured due to some unexpected events.
Why Hartford Home Insurance?
Some of you may probably ask why it must provide the Hartford home insurance? What can I get by having home insurance by Hartford? For years, The Hartford has become one of the most significant companies in the country. They have helped a lot of people in protecting their investments, and they have awarded for several events. Here are some reasons why you need to pick The Hartford to cover your home.
- Good ratings
For years, The Hartford has got several high ratings and awards including:
- The most ethical company in the worlds for 9th times by Ethisphere
- One of the top employers in the Hartford region
- The top three insurers at com’s “People’s Choice Award,” based on its metrics of customer satisfaction.
- A+ ratings by A.M Best for the financial ratings of Fire Insurance Company
- Great Discounts and Offers
The Hartford offers some rewards for the customers with homeowners credits and savings. There are a lot of options which become a good way in saving your home insurance
- Renewal Credit
The customers will get the discount as renewing homeowner’s policy with The Hartford.
- Retiree Credit
The Hartford provides credits for the retirees in order to make their golden years relaxing, cost-effective, and fun.
- Home and Auto Coverage Discount
Get discount up to 20% for home insurance by covering your home and car.
- Home Security Credits
Save more money by installing protective devices such as sprinkler system, safer locks, smoke alarms, burglar alarms, or others.
- Easy Claim Process
The Hartford offers customer services that are ready to help you with claim process 24.7. They also provide several additional services such as easy access to trusted home contractors, contents and belongings coverage, dwelling claim inventory assist, and urgent cleanup services.
What Hartford Home Insurance Cover?
- Dwelling Coverage
This one will help you in protecting your home and its structures including coverage for AC, plumbing, electrical wiring and others. Meanwhile, the compositions include walls, foundations, stairs, and so on.
- Other Structures
The Hartford home insurance will cover other structures that are not attached to your home. For instance, they will include damage as a tree, or others fall on your fence or garages.
- Personal Property
This one will help you cover the personal belongings like clothing, furniture, and so on. Furthermore, you also can get additional coverage for other valuable things such as jewelry, antique items, and others.
The Hartford provides responsibility for helping you with legal defense aligned with liability claims and cover court judgments aligned with covered losses.
- Loss of Use
The Hartford will help you pay living expenses based on your policy as your home get damaged due to fire or others.
- Medical Payments
The Hartford will cover your medical bills if there is your family or guest injured because of your home property. The bill will be paid based on policy limits.
Those are the things that will be covered as you won home insurance by The Hartford. There are many kinds of coverage options that costumers freely to choose as follows:
- New for Old Protection
The Hartford will help you by offering actual cost as your possessions get destroyed by a covered loss. They will replace it with the new ones with same quality.
- Personal Injury Liability Coverage
The Hartford cover damages due to slander or libel claim
- Identity Fraud Coverage
The Hartford offers up to $50,000 coverage in recovering identity theft. It also can cover legal fees and lost income.
- Replacing Locks Reimbursements
Get the new lock for your door as you lose it. The Hartford pays up to $5,000 for cover locks along with $100 deductible it is stolen or lost.
- Blanket Coverage
The Hartford will protect essential pieces of stuff such as artwork, dinnerware, and other valuable belongings with no extra paperwork or listed appraisals.
- Assisted Living Coverage
The Hartford will extend contents, additional living expense, and liability coverage to the family member with supported living-care ability.
- Rental Property Protection
If you are a landlord, you surely need this home insurance. By having this coverage, The Hartford will help you to insure several things in your condo such as:
- Rental dwelling replacement cost
- Optional detached structures coverage
- Property damage due to burglars or vandalism
- Up to 20% dwelling coverage for rental value
- Lawns, shrubs, or plants damage
- Green rebuilding
- Equipment protection
- Personal injury
- Premises liability