1 California Auto, Home, Flood and Umbrella YOUR STYLE. YOUR COVERAGE. Protection for What Matters Most
2 WHATEVER YOUR STYLE, OUR COVERAGE FITS. Your car. Your home. Your prized possessions. They represent so much more than mere shelter or transportation. Whether brick and mortar or steel and glass, your assets are a reflection of your hard work, security and freedom and your personal style. And whatever your style, The Hartford has the coverage to fit your unique insurance needs and budget. When you think about the things that insurance can help with, isn t it amazing how quickly a small event can lead to big consequences? For example, a minor collision with a commuter bus turns into half a dozen lawsuits. An icy front step results in a broken leg, and suddenly you re facing a large judgment. In today s litigious environment, any mishap, no matter how small, can lead to a lawsuit. Without adequate protection, your entire life savings could be at risk. With so much at stake, it just makes sense to have one trusted provider, one guardian for your property as well as your financial freedom. Make The Hartford your choice for homeowners, auto, umbrella and flood coverage. We invite you to put our products, service and experience to the test and enjoy multiple discounts. The Hartford is with you every step of the way through all the stages of your life. AUTO Coverage to protect your vehicle, as well as your assets. No-Drop Promise We want to be your insurance company for as long as you drive. Unlike a lot of other companies, we'll stand by you through good times and bad. We value your loyalty and that means we'll remain loyal to you! RecoverCare Injured in a car accident and need some help around the house? We recognize that life doesn't stop, and so we'll pay you up to $2,500 for up to 6 months for home services like house cleaning, shopping, lawn care, dog walking, and more. At no extra cost. Lifetime Repair Commitment Here's a great way to take the stress out of a claim! When you choose to use an approved repair shop in our countrywide network, we will stand by the workmanship for as long as you own the vehicle. And there's no need for multiple estimates we do all the work! Roadside Assistance Stranded anywhere in the U.S. or Canada? Relax. One call gets you help fast! This service is available for all cars on your policy, no matter who is driving! Award-Winning Claims Service 24-hour claim reporting is just the beginning. We put our 6-Point Claim Service Commitment in writing. It's our commitment to exceed your expectations from the moment you report your claim to the moment we issue your payment. New Car Replacement Commitment If your car is totaled in the first 15 months or 15,000 miles whichever comes first, we'll give you a brand new car same make and model with absolutely no depreciation.
3 $10,000 Accidental Death Benefit Should you or a family member be fatally injured in an accident involving your Hartford-insured vehicle (and all occupants were wearing their seatbelts), you or your beneficiary will receive a supplemental death benefit of $10,000. As part of our Advantage Plus Auto Package: Disappearing Deductible No one likes deductibles so we did something about it! Stay accident-free and we'll decrease your deductible over time until it gets to zero! We'll also eliminate your entire deductible for any not-at-fault accident and lower your deductible $100 when you choose an approved repair shop. At The Hartford, we know it's more than just a car to you. And this program is more than just car insurance. It's about making certain that your protection and the service behind it keeps your life uninterrupted. Our goal is to eliminate any inconvenience, any hassles, so you can get back to the things in life that matter most. HOME No two homes, or homeowners, are exactly alike. That s why The Hartford offers two, innovative and customizable packages that can be added to the basic home policy to meet your coverage needs, budget and lifestyle. While The Hartford can t prevent a fire or theft at your home, we can provide the coverage to help you recover afterwards and keep your life uninterrupted. We offer a choice of two homeowners packages that are designed to stretch your insurance dollar and provide added security: Advantage This package is ideal for customers who want added value and extra protection, above their base policy, for certain coverages, such as: Replacement Cost Contents Coverage Replacement protection for your personal property. After a covered loss, if you need to replace your personal property, this feature allows you to replace your damaged or stolen belongings with new items of like kind and quality at today s prices, regardless of the age of the item you lost. Personal Injury Liability Coverage for potential damage for libel or slander Additional $300,000 of Liability Coverage and $4,000 for Medical Payments to Others Reimbursement for Replacing Locks if your keys are stolen or after a covered theft of property from the home The Hartford ID Restore The hardest part of dealing with an identity theft situation can be determining how to get started on restoring or protecting your identity. Customers of The Hartford receive free, unlimited access to The Hartford ID Hotline, and Identity Theft 911 s Resolution Center, where qualified fraud specialists will provide personal, one-on-one attention to questions or concerns about identity theft, fraud or the safety of your
4 personal information. Identity Theft 911 s Fraud Specialists will help you take proactive steps to avoid becoming a victim of identity theft, or take you through the recovery process step by step and restore your peace of mind. ID Fraud Expense Coverage to reimburse you for out-of-pocket expenses that you incur responding to an identity theft or fraud, such as lost income due to time off from work that is necessary to talk with credit agencies, or legal fees incurred to remove criminal or civil judgments resulting from the fraud. Home Advantage Plus Our most popular package, Advantage Plus is for those seeking peace of mind with strong value and services. Our Advantage Plus package includes all the features of our Advantage package, plus extra coverage and features, such as: Disappearing Property Deductible if you haven t had a homeowners loss for three years, we ll reduce your property deductible by $50; we ll also continue to reduce the deductible by an additional $50 each year you continue to be loss-free until your deductible reaches zero Equipment Protection Advantage Coverage for the repair or replacement of appliances, electronics and systems in your home that are subject to mechanical or electrical breakdown ID Fraud Expense Coverage up to $50,000 Loss Assessment up to $10,000 Further customize your home protection with these value-added optional coverages: Green Rebuilding. If living green is important to you, we can help with our optional Green Rebuilding coverage. It expands coverage limits by up to 10% when environmentally friendly materials or processes are used to make repairs or upgrade to more energy efficient or environmentally friendly systems and appliances after a covered loss. Equipment Protection Advantage. Sometimes, the things you need most in your home from appliances to heating and cooling systems suddenly break. To keep your life uninterrupted, this optional coverage (included in our Advantage Plus package) pays for the repair or replacement of appliances, electronics and systems in your home that are subject to mechanical or electrical breakdown. Equipment Protection Advantage also provides green upgrade coverage, which will pay up to 125% when you need to replace a covered piece of equipment after a loss and upgrade to a similar but more energy efficient or environmentally friendly unit. Valuable Items Blanket Coverage. Our Blanket Coverage is an easier way to protect higher-valued possessions without the added paperwork of scheduling or appraisals. Total available limits range from $10,000 to $50,000 depending on the category of valuables, including jewelry, watches, furs, silverware, fine arts, cameras, computers, musical instruments, china and crystal, and firearms. The maximum limit is $10,000 per item. Water Backup and Sump Pump Overflow. This important option covers loss resulting from water that backs up through sewers or drains, or that overflows from a sump pump that is not caused by flood or surface water.
5 These discounts and credits go the extra mile, so your money can, too. Top coverage doesn t have to cost top dollar. When you consolidate your various policies with The Hartford, you ll enjoy greater savings, convenience and peace of mind. And because we recognize safe driving records and responsible lifestyles, we also offer additional savings when you: Insure your home and auto with The Hartford Choose higher deductible amounts Insure more than one vehicle with The Hartford Have students on your policy who demonstrate good student status Install security devices such as smoke alarms, burglary alarms, sprinklers and deadbolt locks Are insuring a home that was purchased and inspected within the last 12 months FLOOD Just because your home isn t located in a coastal region, near a river or on a flood plain, doesn t mean you don t need flood insurance. In fact, more than half of all flood claims occur in areas considered to have low flood exposure. Most homeowners policies do not cover flood damage. Protect yourself from costly repairs. With flood protection from The Hartford, the following damages are covered: Structural elements, including walls, floors, equipment and fixtures Contents such as furniture, appliances, carpeting, and wall and floor coverings Personal items such as clothing, audio equipment and televisions UMBRELLA Often called peace-of-mind protection, umbrella coverage takes over where your basic auto and homeowners policies leave off. What if you were in a car accident and were sued for $1 million? Or a neighbor was injured in your swimming pool and sued to recover medical expenses? Unfortunately, anyone can be hit with a lawsuit, and million-dollar judgments have become commonplace. Even if the court were to decide in your favor, you might still owe legal fees and court costs. With personal umbrella coverage from The Hartford, you ll have a powerful ally to help you mount a strong defense against the financial burden of personal litigation. Offering up to $5 million of additional liability coverage,* our personal umbrella will help protect your assets and even extend coverage to your spouse and other relatives living in your home. Exceptional Claim Service The true test of an insurance company is how it treats you when adversity strikes and you need to submit a claim. That s when the claim experts at The Hartford really shine. After all, we understand how upsetting an auto accident or home loss can be. And we re committed to settling claims quickly and fairly. 24/7 Claim Reporting The sooner you report your claim, the faster we can provide your settlement and your life can get back to normal. To report an accident or loss, our toll-free claim hotline is available 24 hours a day, 365 days a year. Simply call * The maximum amount of coverage you may purchase varies by state.
6 to speak with a Customer Care Specialist who will immediately begin to process your claim. When you call, you ll receive the following: An explanation of the claim process and your rights under your policy A rental car, if you have coverage and need one The option to choose from one of our pre-approved auto repair shops Replacement or repair of your damaged windshield The Hartford s Contractor Connection When your home has been damaged, whom do you trust to make it right? Having a Hartford homeowner policy is a good start. But we know there s more involved than a fast, fair claim settlement. That s why we offer access to the Contractor Connection network to help you through the repair process. You can choose any contractor for repairs, but contractors in this network are reliable professionals who agree to high service standards. And the quality of their work is backed by a three-year workmanship commitment. RESCUE Roadside Assistance A valuable standard feature with all Hartford auto policies is RESCUE 1-800, our free roadside assistance program. Whether your car breaks down in your driveway or miles away from home, you ll drive easier knowing that help is only a toll-free call away. We ll quickly send a qualified professional to tow or unlock your car. If you purchased The Hartford s towing and labor coverage, you simply sign for those services, up to the dollar amount of your policy, and you re on your way. Lifetime Auto Repair Commitment Have your auto repair work performed by a service facility that has been pre-screened and approved by The Hartford, and we ll stand by the workmanship for as long as you own the vehicle. If for any reason you are not satisfied with the repairs, we'll have the work corrected at no additional cost to you. And for glass damage that can be repaired without removing the windshield, we ll waive the entire comprehensive deductible when you use our 24-hour Glass Service Program. For your convenience, fast, reliable technicians can usually perform the repairs at your home or work. Trust your coverage to The Hartford The Hartford has been protecting the financial future of Americans for over 200 years. This means you can trust The Hartford just as so many people have since Call on the expertise of your agent for all of your auto, homeowners, flood, and umbrella insurance needs. And enjoy the savings, convenience, and service benefits of keeping your personal insurance in the secure hands of one trusted company. To learn more about how The Hartford can meet your insurance needs today and every day, talk with your local independent agent.
7 Some benefits, such as the Disappearing Property Deductible, are only available with the optional Advantage Plus package. A policy without these added benefits is also available. To qualify for the Disappearing Property Deductible, homeowners must have no claims or losses for three consecutive years in most states. Lifetime Repair Commitment Policyholders are free to select the repair shop of their choice for repairs. Benefit applies only to those repair shops that are part of The Hartford s network. No-Drop Promise Your policy will not be non-renewed because of the number of traffic convictions or accidents you or any operator may have during the policy period. This promise does not apply if any operator is convicted of operating a vehicle under the influence of drugs or alcohol, if an operator has a driver s license suspension, or if you fail to provide us, if requested, a physician s certification of fitness to drive. RecoverCare availability and benefit level varies by state. Benefit applies only to those policies where optional Medical Payments coverage is purchased. Disappearing Deductible is only available with the optional Advantage Plus package. To qualify for this benefit, all drivers on the policy must have a clean record (no accidents or violations) for three consecutive years in most states. This document outlines in general terms the coverages that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All Hartford coverages described in this document may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In California, coverage is underwritten by Hartford Fire Insurance Company and its Affiliates, Hartford, CT CA license number Possession of these materials by a licensed insurance producer does not mean that such producer is an authorized agent of The Hartford. To ascertain whether a producer is a Hartford agent, please contact your state s Department of Insurance or The Hartford at All information and representations herein are as of February CA 2nd Rev. Printed in U.S.A. Feb The Hartford Financial Services Group Inc., Hartford, CT All Rights Reserved
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