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Homeowners Insurance

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Customized protection for your home investment at a price that fits your budget.

Standard Types of Homeowners Insurance Coverage

Dwelling coverage
Covers the physical structure of your home, like the walls and roof

Personal property coverageCovers the belongings inside your home, like furniture or bicycles, even if they’re damaged or stolen outside the houseLiability protection

Defends and covers you if someone sues or files a claim against you after being injured on your property or you damage someone else’s property

Guest medical protection
Covers the cost of medical expenses for someone who’s injured on your property

How Homeowners Insurance Protects You

Homeowner’s insurance helps offer financial protection to your home and its contents when they are damaged. It also helps provide liability protection in the event that someone is injured on your property.
For example, homeowner’s insurance will help pay for the damages in the event that:
  • Your roof is crushed by a falling tree in a hurricane.
  • A guest slips and injures him or herself on a loose brick in your walkway.
  • Vandals throw rocks through your windows.
However, not all homeowners insurance policies are the same. The Hartford is the only home insurance company endorsed by AARP. With our flexible options, savings and expert service, you’ll know that your home is getting the best protection possible. Get a homeowners insurance quote today and start saving your money and securing your home with The Hartford.

Dwelling Coverage

Helps protects your home and the structures directly attached to it. This can include coverage for electrical wiring, plumbing, heating and air conditioning as well as larger structures like staircases and walls. Tip: Choose the right amount of coverage – enough to cover the cost to rebuild your house in the case of a total loss.

Personal Property

Helps protect your personal belongings such as furniture, clothing and appliances. You can purchase additional coverage for valuable items and other special possessions such as jewelry and rare or collectible items.


Helps protect you in two ways. First, it provides for your legal defense against a liability claim (lawsuit). Second, it will help pay any court judgments against you for covered losses, up to the policy limit. For example, your pet injures a neighbor or guest, or your long drive on the golf course injures someone on the fairway. This coverage can help pay for damages that you are held liable for.

Medical Payments

Helps pay emergency medical bills if someone is injured on your property. It also covers any injury caused by a member of your family or your pet regardless of where it happens. Bills are paid, up to policy limits, whether you’re legally responsible or not. This coverage is needed for something as simple as a guest tripping and falling down your staircase. Homeowner’s liability insurance can help when you are left to pay the medical bills.**