personal lines HOME & AUTO Agent Guide HOME ADVANTAGE Whatever Their Style, Our Coverage Fits

personal lines HOME & AUTO Agent Guide HOME ADVANTAGE Whatever Their Style, Our Coverage Fits

Their Style. Our Coverage. Your Advantage. When it comes to your customers, no two are alike. And neither are their homes: each reflects his or her own personal style from minimalist and modern to traditional and contemporary. With The Hartford s Home Advantage and Home Advantage Plus packages, your customers can get the coverage they need to protect their unique homes and possessions, no matter what their style. Simpler by design. We ve simplified our home product to two packages and revised our coverage based on consumer feedback, so you can feel confident offering these two outstanding packages to your customers. What s more, Home Advantage is the perfect complement to our auto product, Open Road Advantage. Now you have the best of both auto and home products. Helping you build your business. With our innovative policy options, co-branded advertising and Web pages, and a marketing campaign that positions The Hartford as a wise choice to protect your customers goals and property, The Hartford is the perfect partner to help you ensure the present and future of your business. The tools you need now. With The Hartford, your customers benefit from multiple discounts and credits. And you reap the rewards of growing your book while improving customer satisfaction and retention. When they re ready to upgrade or downsize their coverage, you ll be ready, too, with the right home and auto plans for all the major milestones of their lives. Customized pricing and coverage options. The power behind coverage from The Hartford is the vast number of rating factor interactions, so you can offer pricing customized to the specific characteristics of each driver, home owner or renter throughout their lifetimes. You can now write a wide variety of home owners and drivers with our simplified Advantage packages. This offers you the ability to customize the coverage to fit your customers unique needs and situation. We take care of the details. At The Hartford, we keep underwriting simple, so you can concentrate on serving your customers. And forget about pricing plans The Hartford provides accurate auto and home prices for you. Policy discounts and credits are built in. Here are just a few more ways that Home Advantage and Open Road Advantage can benefit your customers: Account Credit on both Auto and Homeowners policy Broad Range of Deductibles Protective Device Discount Full Coverage/Higher Limits New Car Discount Hybrid Discount Good Student Discount Personal Umbrella Discount Paid in Full Discount

COVERING THE HOME FRONT. Home insurance to protect all they ve built. A home is much more than bricks and mortar to your customers. The Hartford s Home Advantage is designed to guard their future as well as their dwelling with package options and features that meet their needs today and tomorrow. Customizable protection that secures their homes and guards their peace of mind. The Hartford offers two plans at a pre-packaged price that can be added to the base policy to meet the individual needs of your customers. You can tailor the level of protection to your customers home insurance needs, while providing additional security for significantly less than adding coverages separately. Advantage This package is ideal for customers who want value and extra protection, above their base policy, for certain coverages such as: Replacement Cost Contents Coverage Replacement protection for your customers 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 clients up to $25,000 for out-of-pocket expenses incurred 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 * This coverage does not apply to special deductibles such as hurricane, earthquake, coal mine subsidence, special wind/hail or optional special theft deductibles.

Advantage Plus Our most popular package, Advantage Plus is for those seeking peace of mind with strong value and services. When added to their basic policy, our Advantage Plus package includes all the features of our Advantage package, plus extra coverage and features, such as: Disappearing Property Deductible** if your clients haven t had a homeowners loss for three years, we ll reduce their property deductible by $50. And, we ll 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 for the repair or replacement of appliances, electronics and systems in their home that are subject to mechanical or electrical breakdown. ID Fraud Expense Coverage up to $50,000. Loss Assessment up to $10,000 for Section I and Section II. Save with higher deductibles. Higher deductibles are a great way your customers can lower policy premiums. To help you close more sales and retain loyal customers, The Hartford offers higher deductible options on homeowners coverage, including $1,000, $2,000, $3,000, $4,000 and $5,000. Optional protection that can be added to any policy. Green Rebuilding If living green is important to your customers, we can help with our optional Green Rebuilding coverage. It expands their coverage limits by up to 10% when they use environmentally friendly materials or processes 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 your customer needs most in their home from appliances to their heating and cooling systems suddenly break. To keep their life uninterrupted, this optional coverage (included in the 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. Assisted Living Care Coverage For a relative who regularly resides in an assisted living facility, provides coverage for loss or damage to personal items, such as walking devices, wheelchairs, hearing aids, eyeglasses and dentures. Water Backup and Sump Pump Overflow This important option covers loss resulting from water which backs up through sewers or drains or which overflows from a sump and is not caused by flood or surface water. Replacement Cost Dwelling Increase the limit of replacement cost for the dwelling to 125% or 150% depending on your state. Umbrella Our Umbrella Liability policy is must-have coverage for your customers and their families. Coverage options exist for up to $5 million in liability protection above and beyond our Home Advantage and Open Road Advantage policies. ** 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.

The Journey. AUTO INSURANCE TO HELP THEM GET WHERE THEY RE GOING. Open Road Advantage offers innovative features like our No-Drop Promise and RecoverCare. This is the policy built to cover much more than your customer s car. Two auto options with features your customers will want now and for years to come. Open Road Advantage offers your customers two options Advantage and Advantage Plus that can be customized to meet their needs. With no underwriting differences, both packages are available at a competitive price that might save your customers big money. And, if you are authorized to offer the AARP Auto Insurance Program, your customers over the age of 50 could save even more with AARP discounts offered for both plans. To make Open Road Advantage even more economical, we offer: Credits for new homeownership and length of residence, and an account credit to help reduce premiums regardless of the number or amount of current discounts Renewal capping to limit the impact of premium increases Advantage For customers seeking state-of-the-industry coverage at a great value, Advantage offers outstanding features and benefits, like our: 6-Point Claim Guarantee, which shows our commitment to delivering the best possible claim experience No-Drop Promise* that means in most cases, your customers will never lose coverage RecoverCare** to cover expenses such as lawn care and housekeeping if they are injured in an auto accident Full Replacement Value for new vehicles up to 15 months or 15,000 miles after purchase by the customer Advantage Plus It offers qualified customers all the benefits and features of Advantage, along with: First Accident Forgiveness,*** which means premiums will not increase for qualified customers because of their first accident, no matter who s at fault Disappearing Deductible,*** which provides a $150 reduction in their collision deductible after three years with us, and an additional $50 reduction for each additional year that all listed drivers maintain clean records, up to a maximum of $500. 12-Month Policy option to lock in their rate Rescue 1-800 You re always there for your customers. And so is The Hartford, thanks to Rescue 1-800, our 24-hour roadside assistance program that comes with every Open Road Advantage policy. * 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. *** First Accident Forgiveness and the Disappearing Deductible benefits are only available with the optional Advantage Plus package. To qualify for these benefits, all drivers on the policy must have a clean record (no accidents or violations) for three consecutive years in most states. PA and NY drivers are not eligible for the complete disappearance of the deductible, although it will be reduced to a minimum of $100.

We re with you all the way. With responsive customer service, strong agency relationships, innovative products, and new technology, we make all our offerings accessible and easy to work with. Tools like accelerated quoting and policy issuance help your business run smoothly and keep your customers satisfied. And with services like 24/7 claims and on-the-spot payment, The Hartford really shines when we re needed most. Quote-to-Issue (QTI) In most states, you can receive real-time auto, personal umbrella and homeowners quotes in minutes with our Webbased QTI. It integrates standard and non-standard auto, homeowners, and umbrella rates and guidelines, and eliminates the need to order underwriting reports separately. You can even automatically transfer auto customer data from comparative raters or agency management systems to QTI, saving time, improving accuracy and accelerating policy issuance. The Hartford ExpressWay SM By linking customer data from your agency management system and many comparative raters to The Hartford with one single-entry transaction, ExpressWay eliminates the need to re-key data. It s simply the fastest, easiest way to quote and issue new standard auto and homeowners business, remarket renewal business, and consolidate opportunities. ebusiness Center (EBC) This Web-based resource puts all of our fast, easy-to-use tools at your fingertips, including online loss reporting, billing, payments and claim status. Make policy contract inquiries to view current Declarations Pages and endorsements. And stay up-to-date on current products, underwriting and processing changes by accessing producer bulletins in the Resources section. The Policy Change Center Your solution for faster and easier policy service. Manage auto customers policy changes through the EBC in real time. Built by agents, the center is tailored to meet your needs with timesaving capabilities, including: add, replace, delete or change vehicles, drivers, and coverages; quote what if scenarios and save them for later; get immediate confirmation on over 95% of changes; and view a Billing Breakdown, print ID Cards and forms, and more!

Get customers the help they need, when they need it. Auto accidents and damage to homes can be traumatic experiences. Our claims staff is ready to help your customers recover as quickly and fairly as possible. When a customer calls our toll-free claim reporting number, that call is immediately answered by a Customer Care Team expert who will explain the claims process and expedite the settlement. Our commitment to fast, fair claims handling is paying off for agents and their customers. We use rigorous best practices as our guide: 24/7 Claims Hotline Our claims professionals are available any time of the day or night, ready to help your customers start the claims process. To report a loss, they simply call 800-243-5860 to speak with one of our knowledgeable, caring specialists who will guide them through the process and answer your questions. With our comprehensive services and support, your customers will get their home life back in no time. Contractor Connection If your customers don t know where to start in choosing a contractor for repairs, they can access The Hartford s Contractor Connection a network of home contractors to help get them through the repair process. The reliable professionals in this network agree to high service standards. And the quality of their work is backed by a three-year workmanship guarantee. Household Contents Reconstruction and Evaluation Services The Hartford offers household contents services for individual belongings, plus a team of specialists to provide house damage help to ensure your customers home insurance claim is processed as quickly as possible. And in certain major losses, we may even send inventory specialists to help determine what has been lost. What s more, The Hartford delivers: Catastrophe teams that arrive first on the scene, equipped and ready to serve customers in the hardest-hit areas On-the-spot payment for qualified claims Water damage response within hours Fraud prevention, detection and prosecution services to keep costs down and help your customers sell more business You re by their side. We re by your side. Personal service. Local presence. Choice of providers and plans. Your expertise. These are just a few of the reasons most people turn to local independent agencies for their insurance needs. The Hartford is here to put our industry leadership behind your business. To learn more about The Hartford s personal auto and home packages, contact your personal insurance sales representative or underwriter.

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 06155. 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 1-888-203-3823. All information and representations herein are as of February 2011. 107636 Printed in U.S.A. February 2011 The Hartford Financial Services Group, Inc., Hartford, CT 06155 All Rights Reserved