Hartford Homeowners Insurance Review
The Hartford Financial Services Group is one of the largest insurance groups in the US and is ranked 82 on 2007’s Fortune 100 List as well as being one of “Fortune’s Most Admired Companies”. Founded in 1810, the Hartford offers financial stability and a solid background in the home insurance industry.
The Hartford Insurance Company uses independent agents to assist clients in finding a personalized Florida homeowners insurance policy, while also providing quotes from other companies. Independent agents help make the claims process more efficient and user-friendly for the home insurance consumer. Agents are easily accessible using The Hartford’s online agent locator.
The Hartford’s “Sentinel Plan” is a tailored package that allows you to combine basic home insurance coverage with personalized enhancements for a lower total cost. The Hartford also offers plans that specifically cater to home businesses, a feature that many of their competitors lack. All home business policies can also be personalized, as no two home businesses are exactly the same. Renters can also take advantage of The Hartford’s comprehensive insurance policies that are typically limited to homeowners.
The Hartford offers many basic coverage policies for your home. Dwelling Coverage covers the cost of rebuilding your home or structures that are attached to it. Personal Property Coverage insures personal property owned by the policyholders, wherever they may be. Loss of use coverage covers the cost of living when your house is uninhabitable because of a covered event. Liability coverage insures accidental injury or death on your property alongside Medical payments coverage, which compensates for costs incurred when you, your family members or your pets injure someone else while on the property. The Hartford also optionally offers earthquake and scheduled personal property coverage.
The Hartford also offers policyholders a Contractor Connection Network. When your Florida home is damaged by natural disasters or is in need of repair, The Hartford can provide resources to ensure that the best contractors in the area repair your home. All selected contractors are held to extremely high standards of service and must be reliable and professional. The Hartford’s affiliated contractors will inspect the site within two days of contact from the homeowner. These contractors work with The Hartford to estimate damages and can guarantee that you are getting a fair cost and evaluation of the work to be done. The Hartford adjusters will communicate with the contractors for you if you are unhappy with their progress or the finished repairs. Contractors in the network must be financially stable, licensed, insured and must guarantee their workmanship for three years.
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