The Hartford

Additional Living Expenses and Rental Value

When a disaster forces you to live somewhere else while your home is repaired or rebuilt, this coverage pays for your additional living expenses. It also pays for lost income from any area of your home that you regularly rent.

• Personal and Legal Liability.
  If someone is accidentally injured or dies on or off your property, and it is caused by you, a family member or pet, this coverage pays claims against you for legal responsibility. (Does not include automobile or business liability.)
• Medical Payments.
  Your Hartford policy will cover actual medical expenses for accidental injury to others (except your household residents) caused by you, family members or your pets -- on your premises or elsewhere -- regardless of legal liability.
• Protection from Household Accidents.
  You are also covered for:
  Damage to interior walls caused by rain and snow.
  Scorched countertops, floors and carpets.
  Ink stains or paint spills on floors, walls and carpets.

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Optional Homeowners Coverages

You can add a variety of optional coverages, including:

• Replacement Cost of Your Dwelling
  This feature provides the extra coverage you may need to pay the actual cost to replace your home.
• Replacement Cost of Contents
  Pays to replace your damaged or stolen household contents on a loss settlement basis.
• Valuable Items, Watercraft and Trailers
  Special limits are available to cover financial loss of property, such as boats, trailers, jewelry, and other valuable items.
• Flood Damage
  More than 50% of flood claims occur in areas considered to have low flood exposure. Since flood damage is not covered under homeowners policies, consider asking your Agent or Hartford Representative for a flood quote.
• Sentinel Packages
• Coverage for Damage to Your Computer
• Sump Pump Coverage
• Identity Theft Coverage
• Agreed Value for Personal Property
• Assisted Living Care Coverage

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Special Policies for Renters and Condo Owners

If you need protection for your condo or rental home, The Hartford has comprehensive policies covering personal property, household goods and alterations you make to the property. Liability coverage is also available.

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Personal Umbrella Liability Protection

Personal umbrella coverage is an economical, convenient way to provide that peace-of-mind protection that takes over where your basic auto and homeowners policies leave off. After all, there is no place like home, so it deserves the best coverage possible. The Hartford's Personal Umbrella provides up to $5 million of additional liability coverage to to help protect your assets.  Ask for a quote today.

The program features or coverage descriptions above are general and for information purposes only. Actual claim coverage in the event of a loss would be determined by your policy's terms and conditions.