Agent/CSR Guide. FAQs. Home Advantage. The Hartford s AARP Home Insurance Program
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1 personal lines Agent/CSR Guide FAQs Home Advantage The Hartford s AARP Home Insurance Program
2 Q&A Here are some frequently asked questions, plus answers, that can give you a better understanding of The Hartford s AARP Home Insurance Program. If you have other questions, please contact your Hartford Personal Lines Sales Representative. 1. What are the important features of The Hartford s home coverage for AARP members? Both the Home Advantage and Home Advantage Plus packages were designed to be added to the base policy. They come with unique features and benefits that increase protection and offer great value to help ensure customer satisfaction. Here s a closer look at both. Home Advantage This package is ideal for customers who want added value and extra protection, above their base policy, for certain coverages such as: Lifetime Renewability in most cases, your customers will not lose coverage just because of claims; this coverage is available exclusively through The Hartford s AARP Home Insurance Program. Replacement Cost Contents Coverage Replacement protection for your customer s personal property. After a covered loss, if they need to replace their personal property, this feature allows them to replace the damaged or stolen belongings with new items of like kind and quality at today s prices, regardless of the age of the item they 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 lost or stolen keys or after a covered theft of property from the home. The Hartford ID Restore For many people, the hardest part of dealing with an identity theft situation can be determining how to get started on restoring or protecting their 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 their personal information. Identity Theft 911 s Fraud Specialists will help your customers take proactive steps to avoid becoming a victim of identity theft, or take them through the recovery process step by step and restore their peace of mind. ID Fraud Expense Coverage to reimburse your customers up to $25,000 for out-of-pocket expenses that they 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. ProtectorPLUS Zero Deductible Homeowners Deductible Forgiveness* This coverage completely eliminates your customer s deductible (up to $5,000) if they experience a qualifying loss of $22,500 or more. continued
3 (continued) Home Advantage Plus Our most popular package, Advantage Plus is for those seeking peace of mind with strong value and services. When added to their base policy, our Advantage Plus package includes all the features of our Advantage package, plus extra coverages and features, such as: Disappearing Property Deductible** if your customers haven t had a homeowners loss for three years, we ll reduce their property deductible by $50; we ll also continue to reduce the deductible by an additional $50 each year they continue to be loss-free until their deductible reaches zero Equipment Protection Advantage Coverage for the repair or replacement of appliances, electronics and systems in their home that are subject to mechanical or electrical breakdown Identity Fraud Expense Coverage up to $50,000 Loss Assessment up to $10,000 for Section I and Section II In addition, both packages come with: Account credit when home and auto are written together Protective/security devices credit 24-hour claims service Full range of coverage limits and deductible options * This coverage does not apply to special deductibles such as hurricane, earthquake, coal mine subsidence, special wind/hail or optional special theft deductibles. ** 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. 2. What are the eligibility requirements to purchase an AARP-endorsed Hartford product? Membership in AARP is required to be in place at the time the policy is issued. Any person over age 50 may join AARP by visiting their website: Non-AARP members should also be quoted in the new Home Advantage product; however, the AARP discount will not apply. 3. What happens if my client terminates his/her AARP membership? In most states, coverage will remain in force with the same benefits as long as the policy premiums are paid when due. Members should be encouraged to renew their AARP membership so they can continue to receive the many benefits AARP offers. Premiums won t change due to a change in membership.
4 4. How do I quote The Hartford s AARP-endorsed products? Quotes for The Hartford s AARP-endorsed products are issued the same way as our other personal insurance products. We offer several automation solutions that make the quoting and issuing process faster, easier and more accurate: Quote-to-Issue (QTI) QTI is The Hartford s online system for quoting and submitting new business. Easily accessible through our Electronic Business Center, QTI: Keeps rates and underwriting rules up to date and at your fingertips Orders insurance score and underwriting reports during the quote and underwriting process, eliminating the need to use a separate point-of-sale system Pre-fills your prospect s prior carrier information, saving you time when quoting Prints, s, or faxes pre-filled quotes, binder letters, ACORD forms and ID card Downloads policies to your agency management system within 24 hours Automatically checks your insured s AARP membership status Comparative Raters The Hartford works closely with the most popular comparative rating vendors to provide real-time rating, which allows you to quote The Hartford s auto plan in real-time. A key benefit of this breakthrough technology is Direct Connection, which provides accurate rates directly from The Hartford s rating system. ExpressWay ExpressWay links customer data from participating agency management systems to The Hartford for auto and homeowners quoting and submission in one single-entry transaction. The fastest and easiest way to remarket renewal business, ExpressWay also: Accurately quotes in less than half the time of direct entry into proprietary systems by eliminating duplicate entry of data Can help you capitalize on the investment in your agency management system for a smoother workflow Does not require separate log-on ID or password Provides comprehensive online quoting, underwriting and issuing Adds and deletes vehicles easily for quote accuracy Prints, s or faxes pre-filled quotes, binder letters, ACORD forms and ID cards Downloads policies to your agency management system within 24 hours 5. What discounts are available through The Hartford s AARP-endorsed Home Plan? The discounts* for our products are shown below. Auto/Home Account Protective/Security Devices * Not all discounts are available in every state.
5 6. What optional coverages have been added with the new home products? You can further customize your customers home protection with these value-added optional coverages: Green Rebuilding If living green is important to your customers, 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 they upgrade to more energy efficient or environmentally friendly systems and appliances after a covered loss. Equipment Protection Advantage Sometimes, the things your customers need most in their home from appliances to heating and cooling systems suddenly break. To keep their life uninterrupted, this optional coverage (included in our Advantage Plus package) pays for the repair or replacement of appliances, electronics and systems in their home that are subject to mechanical or electrical breakdown. Equipment Protection Advantage also provides green upgrade coverage, which will pay up to 125% when they 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. Valuables are covered on an open perils basis, which includes loss by theft or mysterious disappearance. 7. Does The Hartford offer an AARP-endorsed personal umbrella policy? Yes! In addition to our AARP-endorsed home policy, The Hartford offers peace-of-mind protection to your customers and their families with our AARP-endorsed personal umbrella policy, which: Offers up to $5 million in liability protection above and beyond our auto and homeowners policies Is must-have coverage for your customers to protect against catastrophic lawsuits Is written only for customers insured through the automobile program Has no self-insured retention Vehicles Our umbrella policy includes all the same requirements and benefits as The Hartford s auto policy, and the coverage can be written over most motorcycles, recreational vehicles, and watercraft. Underlying Requirements Standard within the industry, the required limits for umbrella are: Automobile/Motor Homes/Motorcycles*/Recreational Vehicles $250,000/$500,000 Homeowners $300,000; $500,000 if there is a swimming pool Watercraft $300,000 if insured with The Hartford; $500,000 if insured elsewhere * Motorcycles must carry passenger hazard underlying coverage.
6 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 coverages described in this document are offered by Hartford Fire Insurance Company and its property and casualty affiliates. Hartford Plaza, Hartford, CT 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 Printed in U.S.A. February 2011 The Hartford Financial Services Group, Inc., Hartford, CT All Rights Reserved.
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