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Homeowners Insurance

Selecting the right homeowners insurance is one of the most important steps you can take to protect your house and your belongings.
Make sure you're protected - request a Hartford homeowners insurance quote from your agent today. Find out how you could save on coverage that goes above and beyond that of many other homeowners insurance carriers.

Features and Benefits

Homeowners Insurance Features
Whether you're actively shopping for new homeowners insurance or just curious whether your agent can save you even more money by bundling your auto insurance with homeowners insurance from The Hartford, we're happy that you're here and we're confident that you're going to like what you see.

Not all features and benefits are available in all states.

100% Protection Plan
When you choose this homeowners insurance benefit and insure your home for 100% of its replacement cost, you're assured that if something happens to your home, we'll pay the full cost to rebuild it-even if it costs up to 150% of the applicable limits of your policy.

"New for Old Protection of Your Possessions"
In the event of a covered loss, if anything happens, we want to give you a fresh start. With your homeowners insurance, we'll pay the actual cost of replacing your possessions-regardless of age or condition-with brand new items of equal quality.

ProtectorPLUS Homeowners Deductible Forgiveness*
When times are tough, we're here to help you out. That's why if you experience a qualifying loss of $22,500 or more, we'll waive up to $5,000 of your 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.

24/7 Homeowners Insurance Claim Hotline
Our homeowners insurance claim professionals are available any time of the day or night, ready to assist you with service that is backed by a satisfaction guarantee.

Options to Customize Your Homeowners Insurance Protection

Special Protection Packages
As an easy and convenient way to add to your homeowners insurance protection, we offer packages that bundle some of the most requested coverages for valuables. These packages offer increased coverage for jewelry, silverware, credit cards and personal liability. They also offer additional coverages such as lock replacement and loss of perishable food. Available packages may vary by state. Talk with your agent about whether a package is right for you.

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, our Scheduled Personal Property coverage allows you to list items and their value for more customized protection. (Appraisals may be required.)

Coverage Basics

Home Insurance Coverage
How can you be sure you're getting the right home insurance coverage for your home sweet home? Here are some coverage descriptions that can help you get a better sense of your options. At The Hartford, we've thought of everything for your house insurance, so you won't have to give your coverage a second thought.

Not all coverages are available in all states.

Dwelling Coverage - Coverage A
This home insurance coverage protects your home and any structures attached directly to it. Ideally, the amount of home insurance coverage you carry should equal the cost of rebuilding your home after a total loss.

Other Structures - Coverage B
This house insurance covers other structures set apart from the dwelling on the residence premises, such as a detached garage. This home insurance coverage applies up to the limits provided in your policy and can be increased if necessary. Most policies automatically provide a limit equal to 10% of your dwelling coverage amount.

Personal Property - Coverage C
This house insurance coverage protects your personal belongings, such as furniture, clothing and appliances. Most policies provide a limit of liability equal to 50% to 70% of the Dwelling Coverage amount. Certain possessions may be excluded or have only limited coverage. You can also purchase additional coverage to provide enhanced protection for valuable items and other special possessions.

Loss of Use - Coverage D
This home insurance coverage is available when you cannot live in your home due to a covered loss. It pays reasonable and customary living expenses up to the limit provided in your home insurance policy.

Liability - Coverage E
This home insurance coverage protects you in two ways. First, it provides for your legal defense against a liability claim (lawsuit). Second, it will pay any court judgments for covered losses against you, up to the policy limit.

Medical Payments - Coverage F
This house insurance coverage pays emergency medical bills for anyone injured on your property or any injury caused by a member of your family or a pet regardless of where it happens. All bills are paid up to the limit for this coverage, whether or not you are legally responsible.

Home insurance policies have many other optional features available to you depending on your individual needs, including earthquake and scheduled personal property coverage. Talk to your agent to learn more and to get a free, no-obligation quote today.

Ways to Save

Homeowner Insurance Discounts
We want your new home insurance to offer great coverage - and great savings. That's why we offer you a variety of credits and discounts that help make your homeowner insurance more affordable.

Availability of credits or discounts may vary by state or policy plan.

Auto Insurance & Homeowner Insurance Bundle
By bundling your auto insurance with your homeowner insurance, you could save big on both.

Retiree Credit
If you and your spouse are retired or work less than 24 hours a week, you can reduce your homeowner insurance premium.

(The Retiree Credit does not apply to secondary residences.)

Fire / Burglary System Credits
By upgrading your home security with a combination of burglar alarms and sprinkler system, you could save up to 20% on your homeowner insurance. Even dead-bolt locks and smoke detectors can save you up to 2%.

Renewal Credit
Continue to renew your homeowner insurance policy from The Hartford and save even more!