The Hartford

Why choose an independent agent?
Your local independent insurance agent represents several leading insurance companies…not just one. So you're sure to get the best advice and the best value in personal insurance around.

How do I find an independent agent in my area?
Finding a local Hartford Independent Agent is easy. Use our online agent locator and enter your address or call our toll-free number: 1-800-THE-STAG.

What is the difference between an "all risk" policy and a "named peril" policy?
A named peril policy covers losses that are due to only those perils listed in the policy. An all risk policy covers losses that are due to any peril except those specifically excluded in the policy. An all risk policy provides broader protection than a named peril policy.

What is the difference between actual cash value and replacement cost?
Covered losses under a homeowners policy can be paid on either an actual cash value basis or on a replacement cost basis. When "actual cash value" is used, the policy owner is entitled to the depreciated value of the damaged property. Under the "replacement cost" coverage, the policy owner is reimbursed an amount necessary to replace the article with one of similar type and quality at current prices.

Why is homeowners insurance sometimes referred to as a "packaged policy?"
Today's homeowner policy combines property, personal liability, and crime coverages in a single policy form. The policy is divided into two basic coverage sections…Section I / Property Coverages (Dwelling, Other Structures, Personal Property and Loss of Use) and Section II / Liability Coverages (Personal Liability and Medical Payments to Others)

Where and when is my personal property covered?
Coverage C (Personal Property) applies to all your personal property (except property that is specifically excluded) anywhere in the world.

What is Loss of Use?
If your home in uninhabitable following a covered loss, the insurance company will provide you with Additional Living Expenses. This coverage provides for any necessary increase in living expenses you incur so that your household can maintain its normal standard of living.