Coverage Status: Usually Covered
It depends on the details of the incident. Hartford's coverage for theftvaries based on your specific policy terms, coverage types, and how the incident occurred.
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Home burglary while on vacation, $25,000 in electronics and jewelry stolen
Hartford paid full claim minus deductible. Having photos and receipts for items was essential for quick approval.
Coverage Rate
86%
claims approved
Processing Time
9-16 days
average claim resolution
Typical Deductible
$500 - $1,500
for most policies
Claim Support
1-800-243-5860
24/7 dedicated line
Industry Context: Hartford, founded in 1810 and headquartered in Hartford, Connecticut, serves 2 million auto policies. Their 86% approval rate for theft claims is above industry average.
Every Hartford policy is different. Upload your policy documents to get a personalized analysis of whether your specific coverage includes theft.
Check My Hartford PolicyBased on recent data, Hartford pays an average of $15,000-$35,000 for theft claims, though amounts vary significantly based on damage extent. The 86% approval rate indicates most valid claims are covered. Your deductible (typically $500 - $1,500) will be subtracted from the payout.
Hartford typically processes theft claims within 9-16 days. Emergency situations may receive expedited service within 24-48 hours. You can track your claim status through thehartford.com or by calling 1-800-243-5860.
Hartford requires: 1) Detailed photos/videos of damage, 2) Official reports (police, fire dept, etc.), 3) Receipts for damaged items, 4) Proof of ownership for high-value items, 5) Contractor estimates for repairs. Submit via the Hartford mobile app for fastest processing.
Premium increases vary by state and claim history. First-time theft claims typically result in 10-20% increases. Multiple claims within 3 years may lead to 25-40% increases or non-renewal. Hartford's Claim Rate Guard (if purchased) can protect against first claim increases.
1) Ensure safety and call 911 if needed, 2) Document everything with photos/video, 3) Prevent further damage if possible, 4) Call Hartford at 1-800-243-5860, 5) Keep all receipts for emergency repairs, 6) Don't dispose of damaged items until adjuster approves.
Yes, if your home is uninhabitable due to covered theft, Hartford's Additional Living Expense (ALE) coverage typically pays for temporary housing, meals above normal cost, and other necessary expenses. Coverage limits are usually 20-30% of your dwelling coverage.