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Hartford Insurance
Insurance in Hartford, CT
Greater Hartford homeowners deal with nor'easters, older homes and, in parts of the region, crumbling foundations. We compare insurers for families, small businesses and contractors across Hartford and Tolland counties.
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Coverage in Hartford
What We Write in Hartford
Personal
Home, auto, flood, renters and condo, and umbrella, including the uninsured and underinsured motorist coverage Connecticut requires.
Learn More →Business & Commercial
Liability, property, workers' comp, commercial auto and umbrella for every kind of Connecticut business.
Learn More →Life
Term, permanent and final expense coverage, plus key person and buy-sell for business owners.
Learn More →Specialty
Trucking, contractors and builders risk, with help meeting Connecticut contractor registration and workers' comp rules.
Learn More →Know Before You Buy
What Hartford Clients Should Know
Foundations, winter storms and Connecticut contractor rules are what most often change coverage around Hartford.
General information only, not legal advice. Laws change, and your policy's terms decide what's covered. We'll confirm what applies to you before you buy.
- Crumbling foundations. Concrete containing the mineral pyrrhotite has damaged foundations in north-central and eastern Connecticut. Most home policies exclude this kind of gradual deterioration, so ask about it before you buy.
- Winter storm damage. Nor'easters bring ice, wind and fallen trees. Most home policies cover sudden storm damage, but deductibles and roof terms vary.
- Home improvement contractors register. Connecticut home improvement contractors must register with the Department of Consumer Protection before working on homes.
- Connecticut auto minimums. Connecticut requires at least 25/50/25 liability plus uninsured and underinsured motorist coverage.
- Comp for employers with employees. Connecticut requires workers' comp for employers with one or more employees, including part-time workers.
Where We Work
Serving Greater Hartford
We work with clients across Greater Hartford by phone, text and email, including:
HartfordWest HartfordEast HartfordNew BritainManchesterGlastonburyWethersfieldNewingtonBristolEnfieldWindsorBloomfieldFarmingtonVernon
State rules and coverage details: Connecticut insurance
Questions
Hartford Insurance Questions
Don't see your question? Ask us directly. A licensed agent will answer, in English or Spanish.
Does homeowners insurance cover crumbling foundations?
Usually not. Most policies exclude gradual deterioration. Connecticut has created a program to help affected homeowners, and we can talk through your options.
Do home improvement contractors need to register in Connecticut?
Yes. They must register with the Department of Consumer Protection. We provide the liability certificates clients and towns ask for.
Can you insure an older Hartford-area home?
Yes. We compare insurers and set the dwelling limit on rebuilding cost so a covered loss can be repaired.
Licensing
Licensed Agents in Connecticut
Have a question about our licensing? Call or text 239-799-5411.
- J&D agents hold Connecticut producer licenses
- J&D Insurance Associates is a Florida licensed agency, license L123435
Let's Get You Covered.
Tell us what you need and we'll compare insurance companies licensed in Connecticut.