Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

The Hartford review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

The Hartford handles a household's main risks in a single place, with auto, home, renters, pet and life cover and monthly payments available. It suits US customers, especially seniors, though premiums start at $87, well above the site typical starting premium of €8.31.

Key facts

Best for
A US household that wants car, home, pet and life cover from a single established insurer.
Premium from
$87↗
Insurance types
Auto, Home, Renters, Pet, Life↗
Provider type
Insurer↗
Monthly payments
Yes↗
Claims channels
Phone, Online, Mobile-app↗
Legal entity
The Hartford Insurance Group, Inc.↗
Headquarters
United States↗
Founded
1810↗
Support channels
Phone, Email↗
Audience
Seniors
Pricing model
Monthly
Official website
thehartford.com

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaXLinkedIn

Pros and cons

Pros

  • Cover spans auto, home and renters, so car, home, renters, pet and life sit with a single carrier.
  • Policy costs can be paid monthly rather than only in a lump, easing cash flow through the year.
  • Claims can be started by phone, online or in the mobile app, phone, online and mobile app.

Cons

  • Premiums start at $87, ranking 215 of 251 on starting premium and above the site typical €8.31.
  • Support runs on phone and email only, with no live chat or walk-in counter.
  • The audience is seniors, seniors, which narrows the appeal for younger drivers and mixed-age households.
The Hartford

Ready to try The Hartford?

Scored 9.2 / 10 by SumCue.

See alternatives

Who it suits

  • Seniors and retirees in the US who want car cover from a long-established insurer, seniors.
  • Households that would rather place car, home, renters, pet and life cover with a single insurer, auto, home and renters.

Who should look elsewhere

  • Price-first shoppers: bunq lists a starting premium of €0 on the same measure, far under $87.
  • Buyers who only want life cover: Linxea starts at €25 as a single product, rather than a bundle of auto, home and renters.

Deposit protection

The Hartford is an insurer, insurer, so your money sits behind policy cover and a claim rather than a savings balance. It is authorised under a US NAIC licence, 19682, and state regulation is the framework behind policyholder protection. That is a different kind of safety from a deposit guarantee, and the licence number is the handle to check with a state regulator.

The company behind it

The contract is with The Hartford Insurance Group, Inc., an insurer headquartered in the United States and founded in 1810. It operates under a NAIC licence, 19682. Support runs on phone and email, a short channel list for a business of this age, so expect telephone or email rather than a branch counter.

How The Hartford compares

Where The Hartford is available

Available
United Kingdom, United States
Licence in United States
NAIC (19682), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does The Hartford actually insure?+

The range covers auto, home and renters: car, home, renters, pet and life policies from a single carrier. That breadth lets a household place its main risks with one provider instead of shopping each line separately, although pricing is set per policy rather than as a bundle discount. Monthly payments are available on the car cover listed.

How much does cover cost?+

Premiums start at $87, an opening figure that sits above the site typical starting premium of €8.31. Read it as a floor rather than a quote, since the price moves with the type of policy, the amount insured and the risk profile. Anyone buying purely on price should treat the start as the start.

Can I pay monthly instead of in one go?+

Yes, monthly payments are available and monthly is the only payment model listed, so instalments are part of the standard set-up rather than an add-on. Spreading the cost helps households with tight monthly cash flow, though the total paid across the year can come to more than a single annual payment.

Is the company regulated?+

The Hartford Insurance Group, Inc. is an insurer, insurer, holding a US NAIC licence, 19682. It underwrites policies itself rather than acting as a broker or a comparison site, so the named company carries the risk and handles claims through phone, online and mobile app. The licence number is the reference to check with a state regulator.

How do I make a claim?+

Claims can be started by phone, online or through the mobile app, phone, online and mobile app. All three routes lead to the same insurer, so a customer who prefers tracking a claim in the app can avoid phone queues and still use the same policy. General support questions are handled on phone and email.

Is this cover available outside the US?+

The company is headquartered in the United States and its licence is a US NAIC licence, 19682, so treat this as a single market product. UK and European readers should weigh a provider regulated in their own market, such as Linxea at €25, rather than assume a US policy applies at home.

Sources

  • thehartford.com checked September 26, 2026

    Backs: Insurance types

    “Car Insurance; Homeowners Insurance; Renters Insurance; Pet Insurance; LIFE WRITING COMPANY INFORMATION: Hartford Life and Accident Insurance Company”

  • thehartford.com/aarp/car-insurance checked September 26, 2026

    Backs: Audience, Pricing model, Monthly payments, Premium from

    “We know that insurance needs can change as you get older, making us a trusted choice for car insurance for seniors”

  • thehartford.com/about-us/insurance-history checked September 26, 2026

    Backs: Founded

    “Our story began in 1810 - as a fire insurance company.”

  • thehartford.com/contact-the-hartford checked September 26, 2026

    Backs: Claims channels, Support channels

    “Download The Hartford's app to access your policy details, pay your bill, submit and track claims and get help when you need it most. Call The Hartford at 888-546-9099”

  • thehartford.com/legal-notice checked September 26, 2026

    Backs: Provider type, Headquarters, Legal entity, Licences

    “The Hartford Insurance Group, Inc. ("The Hartford") is a financial holding company for a group of insurance and non-insurance subsidiaries ... that provide property and casualty insurance, group...”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

The Hartford

The Hartford

A US household that wants car, home, pet and life cover from a single established insurer.

9.2/10See alternatives