Accident Forgiveness	If all drivers on your car have a clean driving record for straight five years, you can qualify for accident forgiveness.
Disappearing Deductible	Reduces your deductible by up to $500 if you have a clear driving record
24/7 Roadside Assistance	Round-the-clock protection from roadside emergencies like a dead battery, flat tire, or losing keys
New Car Replacement	Replaces a new totaled car with a car of the same make and model
RecoverCar	Post-accident assistance like transportation services, house cleaning, snow removal, etc.
Lifetime Car Repair Assurance	Guarantees the quality of repair in one of the 1,600+ repair shops from the approved repair network
Full Glass Coverage	Mirrors, windows, and headlights, all with no deductible
Car Towing Coverage	Towing and labor expenses if, for example, your car’s battery dies
Personal Umbrella Insurance	The loss that exceeds your auto or homeowners liability coverage limits
Gap Insurance	The difference between your car’s cash value and the amount you owe on your car loan if your car was totaled or stolen
Rental Car Reimbursement Coverage, also known as Transportation Expense Coverage	Rental car expenses while your car is being repaired after an accident
Rental Car Insurance: Collision Damage Waiver or Loss Damage Waiver	The damage to your rented car, or if someone broke into your rented car

Insurance Type	Coverage
Bodily Injury Liability	If you hurt someone in an accident
Property Damage Liability	If you damaged someone else’s property – other cars, mailboxes, fences, etc. – in an accident
Collision Coverage	If you damaged your car in an accident with another vehicle or object
Comprehensive Coverage	If your car sustained damage from a natural disaster, vandalism, collision with an animal, or was stolen
Uninsured/Underinsured Motorist Coverage	If you were hit by a driver who doesn’t have enough auto insurance to cover your injuries and damages
Rental Car Coverage	Liability coverage that protects employees driving a rental business vehicle
Medical Payments Coverage	Your medical expenses and rehabilitation: doctor’s visits, rehabilitation, medical treatment, medical procedures, surgeries, medical deductibles & co-pays, hospitalization, nursing services, prosthetic limbs, ambulance fees, dental care, and funeral costs
Personal Injury Protection (PIP)	Your and other peoples’ injuries – medical expenses, work loss, funeral expenses, survivor’s loss, and essential services – from a car accident, regardless of who was at fault

Discount Type	How to Qualify
AARP Auto Insurance Program: up 10%	Be a member of AARP, have a valid driver’s license from your state, and vehicle registration for your car
Bundle Insurance Savings: up to 5% on your auto insurance and up to 20% on your home insurance	Bundle your car and home, renters and auto, or condo and auto policies within the AARP Auto and Home Insurance Program
Paid-in-Full: varies	Pay your bill in full in advance
Safe Driving Discount: up to 12% and a renewal discount of up to 25%	Drive safely for a determined period of time
Safety Features Discount: varies	Install anti-lock brakes, additional airbags, and other safety features on your car
Fuel Type Discount: varies	Have an electric or hybrid car
Safe Driver Training Discount: varies	Be 21 years of age or younger (25 or younger in Georgia) and finish an approved training course
Three-Year Defensive Driver Course: varies	Complete an approved defensive driving course

Insurance Type	Coverage
Homeowners	Property Damage: your home and attached structures Other Structures: structures not directly attached to your home (sheds, garages, fences, etc.) Personal Property: your personal belongings (clothing, furniture, appliances, etc.) Personal Liability: damage or injury to a third party on your property Medical Payments: the emergency medical bills of a third party injured on your property Temporary Living Expenses: your living expenses until your home is inhabitable again
Renters	Protection of your personal belongings from fire, smoke, vandalism, theft, and burglary on a rented property: ‘New for Old’: replacement of your possessions with new ones of equal quality Built-in Improvements: protection of the improvements you’ve made on your rental property (for example, wallpaper, bookshelves, etc.), up to 10% of your personal property coverage Living Expenses: your living expenses until your rented home is livable again, up to 20% of your personal property coverage Liability Claims: your liability for an injury or accidental death of a third party on your rented property Medical Payments: medical expenses of a third party who is hurt on your rented property Property Damage: damage caused by you or your family to someone else’s property, up to $1,000
Condo	Condo Dwelling: appliances, fixtures, and updates to your condo Condo Personal Property: your personal belongings, including clothing, furniture, and appliances Personal Liability: damage or injury of a third party on your condo Loss of Use: your living expenses until your condo is inhabitable again, provided the condo was rendered uninhabitable due to a covered cause Medical Payments: the medical expenses of a third party who is hurt at your condo
Flood	Damage caused by flooding as a result of snowmelts, rainfalls, broken drainage systems, construction run-offs, etc.
Umbrella	Additional liability coverage and extended auto and homeowners insurance limits: Auto Bodily Injury Liability: treatment costs if you are hurt in a car accident Bodily Injury Liability: medical bills of a third party who is suing you Landlord Insurance: extra coverage that you may need if a third party got hurt on your rental property and is suing you Property Damage Liability: extra coverage to cover damage to a third party’s vehicle or property

Discount Type	How to Qualify
Bundle Home and Auto Insurance: up to 5% on your auto insurance and up to 20% on your home, renters, or condo insurance	Bundle your car and home, renters and auto, or condo and auto policies within the AARP Auto and Home Insurance Program
Home Security and Safety Device Savings: varies	Install a burglar alarm and a sprinkler system on your home
Retiree Credit for Retired AARP Homeowners: varies	Retire or work less than 24 hours a week
Renewal Credit: varies	Renew your homeowners policy with The Hartford for 4 consecutive years

Insurance Type	Coverage
Business Owner’s Policy	Business property plus business liability insurance: damage to your business from theft, fire, as well as claims of property damage and bodily injury
General Liability	Claims of property damage, bodily injury, reputational harm, and advertising injuries, as well as physical damage to your rented premises
Workers’ Compensation	Benefits for your employees if they become ill or injured on the job: medical care, medical treatment, disability benefits, death benefits, and replacement of lost wages
Business Income	Replaces lost income if your business cannot operate due to property damage. The policy covers employees’ payroll, rent payments, mortgage, loss of income during the restoration period, tax payments, and loan payments.
Commercial Auto	Medical expenses and property damage resulted from an accident involving a company-owned car: Bodily Injury Liability Property Damage Liability Collision Comprehensive Medical Payments Uninsured/Underinsured Motorist Rental Car Personal Injury Protection Hired and Non-Owned Auto Learn more on this webpage
Commercial Flood	Damage to your business property and contents, caused by floodwater: Business property: carpeting, cabinets, bookcases, paneling, appliances, furnaces, water heaters, plumbing and electrical systems, solar equipment, windows, foundation walls, anchorage systems, staircases, well tanks, fuel tanks, pumps, and detached garages Contents: air conditioners, clothing, furniture, carpets, precious metals, currency, and valuable items
Business Property	Damage to your owned or rented property caused by fire, lightning, and theft, as well as interruption coverage, which protects your income if your business cannot operate due to property damage
Commercial Umbrella	Extra liability coverage: legal costs, property damage, medical bills (bodily injuries), and judgments and settlements
Data Breach	Damage caused by viruses, data breaches, losses of PHI or PII, etc.
Employment Practices Liability	Harassment, discrimination, and wrongful termination by vendors, customers, and business invitees
Home-Based Business Insurance	General Liability Insurance: claims of negligence, faulty products, personal injuries, etc. Business Owner’s Policy: damage to structures on your property where our home-based business is located Business Owner’s Policy with Endorsements
Management Liability	Protection of officers and directors from lawsuits: Directors and Officers Insurance: mistakes and wrongful management Employment Practices Liability: employees’ complaints (more on this webpage) Fiduciary Liability: claims of fiduciary mismanagement Crime Insurance: employee forgery, robbery, and theft Kidnap and Ransom/Extortion: extortion, ransom, and kidnapping Management Liability for NPOs, Publicly Traded Companies, and Financial Institutions (more on this webpage) General Partners Liability: claims of prospectus misrepresentation, unfair market conduct, regulatory violations, and breaches of duty Representations & Warranties Insurance: acquisition and merger risks Excess Coverage for Increased Risks: extra liability protection
Marine	Ocean Marine, Builder Risk, Warehouse & Logistics, Equipment Rental & Sales, Renewable Energy, Carrier Logistic Choice, Contractors Equipment, Installation, and Inland Marine Insurance. More on this webpage.
Multinational	Localized coverage: General Liability, Professional Liability, Commercial Auto, Business Interruption and Income, Cybersecurity and Data Breaches, Workers’ Compensation, Business Travel, Kidnap and Ransom/Extortion, Commercial Umbrella, Business Travel Accident, and Environmental Insurance. More on this webpage.
Professional Liability	Mistakes in your professional services to clients: inaccurate service, misrepresentation, negligence, slander, libel, etc.

Insurance Type	Coverage
Fee for Service: the most extensive network of doctors and hospitals	Basic: doctor visits, normal daily healthcare, surgeries, and hospitalization Major Medical: chronic illnesses and serious injuries
Managed Care	PPO plans POS plans HMO plans Learn more on this webpage.
High-Deductible Health Plans	Full coverage for preventative care: counseling, child well-being exams, wellness visits, vaccines, and annual physicals

Pros	Cons
Lots of options for business insurance	Primarily caters to AARP members of 50 years of age and older
Perks for AARP members	No bonuses for some types of insurance
High satisfaction rating for auto insurance	Average overall satisfaction rating

J.D. Power	3 out of 5
BBB	A+
Standard & Poor’s	A+
Moody’s	A+

The Hartford Insurance 2023: Review and Facts

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The Hartford Car Insurance 2023

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The Hartford Auto Insurance Rates 2023

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The Hartford Home Insurance Rates 2023

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The Hartford Business Insurance 2023

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