Perhaps, Americans are confused when they choose which insurance company to purchase. The country has so many, and each of them is equally good. Among all, The Hartford is one of everyone’s choices. Since people will initially search for The Hartford quote before purchasing, then let us help you to evaluate it in this article.
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What is The Hartford Quote?
The Hartford is the leading insurance and investment company which was established in 1810. Based in America, The Hartford became one of the companies to be on the largest insurance company list. Their agents have also widely spread all over the states which enable more Americans to reach them out.
There are several types of insurance divisions available in this company, starting from cars to business units. If you want to find out The Hartford quote, it is also accessible since you can get it online. Talking about quotes, we will give you some information, not only about the quote itself but also the average costs.
The Hartford Quote According to Each Insurance Division
As mentioned earlier, The Hartford offers several insurance divisions to serve what most Americans need. The following list below will try to inform and evaluate how The Hartford quote is being offered from each type of insurance. Moreover, some customer reviews will be included as well to convince you more.
1. Auto Insurance
For your information, The Hartford has been working with AARP (American Association of Retired Persons). This is an organization that focuses on providing good services for people aged 50 or older. While running its auto insurance, The Hartford gives more benefits to people who are also AARP members.
One of the benefits is discounted premium, which enables all AARP members to save up to 10%. Meanwhile, you may check The Hartford quote online and see if there is any discount for you in spite of not registering as an AARP member. How to get that benefit for an ordinary customer?
The Hartford may give you a discount on the premium if you purchase a bundling package, such as insuring both, car and home. Additionally, the discount will be given more in case you pay in full from the beginning instead of paying off every month.
Then, since this company is now everywhere, the coverage includes more, such as bodily injury, property damage, medical payment, and personal injury protection.
2. Home Insurance
How do you think The Hartford quote will be when you purchase home insurance? For your information, home insurance offered by The Hartford is mainly divided into three types: home, renters, and condo. We will discuss three of them in the following list below.
a. Insurance for Homeowners
Having your own home is not complete if you have not registered it yet for insurance. Overall coverage of home insurance by The Hartford includes any damage that happens to your home and its belongings. The liability coverage also works for any accident involving other people which is caused by your property.
b. Insurance for Renters
This insurance is available for those who rent an apartment unit, condo, or house. It is still crucial to protect the place you are living in from any worst possibilities even though it is not your own. Unfortunately, this insurance coverage does not include any damage caused by natural disasters such as floods or storms.
c. Condo Insurance
It feels like a primary duty to register your own condo for insurance. This type of insurance offers several discounts with particular requirements. For example, The Hartford quote or premium will be cheaper if you live in a condo with a strong security system, such as using residence cards or automatic key devices.
3. Business Insurance
If you are a business owner, we highly recommend this insurance to protect your business financially from any losses. The Hartford quote is also available online with a list of coverage that you may get by inserting detailed information about your business. One of the coverage is you are able to keep your employee safe.
Business Insurance by The Hartford is divided into two types, small and large businesses. Let’s start with the first one, a small business that includes shop stalls or retail. Unfortunately, most small businesses do not care a lot about the importance of insurance because they think that they are only a small-scale business.
However, if you worry about the cost, it is actually adjustable based on your current business situation. The aspects that affect the costs include the number of employees, type of industry, claims history, and payroll.
Meanwhile, large businesses also include mid-size ones. The coverage includes liability insurance, property choice, workers’ compensation, commercial auto insurance, and injury prevention services. Those will help business owners to manage risks, improve claims outcomes, and maximize productivity.
How Much Does The Hartford Insurance Cost?
How much is the cost of each insurance? Starting from auto insurance, especially old people with AARC membership, have to pay approximately $157 per month. This quote includes the discount for being an AARC member. Meanwhile, young drivers, especially teenagers, surely have more expensive costs up to $954 monthly.
Moving to residence or home insurance, The Hartford quote is known to be more expensive. This also leads to a premium that raises up to $1,973 per year. Compared to national costs of home insurance in a year, The Hartford is $545 more expensive.
Then, the business insurance, its monthly premium starts from $70 for workers’ compensation, $88 for general liability, and the expensive one is around $261 for a business owners’ policy. These numbers can tentatively change depending on your business circumstances.
What about the reviews? According to the research involved the National Association of Insurance Commissioners, the result shows that a company with an average score above 1.0 means they gain more complaints. Fortunately, The Hartford scores 0.74 which means that they receive fewer complaints.
Does The Hartford Quote Suit Yours?
After learning all types of insurance offered by The Hartford, you are now freely choosing which one to purchase. All you need to do is to make sure whether The Hartford quotes suit yours. Then, what you are insured on can be financially protected.