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The Hanover offers three homeowners insurance packages and more than a dozen ways to customize coverage, which means most homeowners are likely to find a policy that works for them. The company receives fewer consumer complaints than expected and has a useful app to help manage policies. However, The Hanover home insurance is available in 19 states only.
The Hanover home insurance pros and cons
How The Hanover home insurance rates
The Hanover homeowners insurance earned 4.5 out of 5 stars for overall performance. NerdWallet’s ratings are determined by our editorial team. The homeowners insurance scoring formula takes into account policy coverage options and discounts, ease of filing a claim, website transparency, the financial strength of the company, complaint data from the National Association of Insurance Commissioners and more.
Based on these ratings, The Hanover is among NerdWallet’s Best Home Insurance Companies for 2021.
The Hanover home insurance state availability
The Hanover offers homeowners insurance in 19 states.
The Hanover home insurance coverage
You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:
For more details, see Homeowners Insurance: What It Is and What It Covers.
The Hanover offers these standard types of coverage as part of three packages:
- Connections, for those who want homeowners insurance only and aren’t interested in bundling it with an auto policy.
- Platinum, for those who wish to buy both homeowners and car insurance from The Hanover.
- Prestige, offering higher-limit coverage designed for those with homes worth at least $750,000.
Coverage options vary depending on where you live and which package you choose, but may include:
Extended dwelling replacement cost. If the amount of insurance on your house isn’t enough to cover the cost of rebuilding, this option helps make up the difference, up to a given limit.
Guaranteed dwelling replacement cost. This coverage goes a step further than extended dwelling replacement, paying whatever is necessary to rebuild your home with similar materials. You may also be able to opt for a cash-out option if you don’t wish to rebuild.
Personal property replacement cost. This coverage ensures you’ll receive enough money to buy new replacements for personal belongings that are stolen or destroyed, rather than having your payout reduced for depreciation.
Coverage for refrigerated products. This pays for spoiled food after a power loss.
Lock replacement. This coverage pays to install new locks if your keys are stolen.
Water backup coverage. This pays for damage if your sump pump fails or water backs up through a sewer or drain.
Identity protection. If your identity is stolen, this coverage helps pay for legal fees and other expenses.
Deductible waiver for large loss. This option waives your deductible if a claim is at least $50,000.
Deductible waiver for loss involving multiple policies. If you have a Platinum package and a disaster affects both your home and car or boat, you’ll need to pay one of the two applicable deductibles only.
Special personal property coverage. This offers extra coverage for valuable items such as jewelry or firearms.
Ordinance or law coverage. This pays to bring your home up to the latest building codes.
Debris removal coverage. This option pays to remove debris after a covered disaster.
Siding and roof restoration. If repairs wouldn’t match your existing roof or siding because the materials aren’t available, this coverage will pay to replace undamaged areas as well.
Fire extinguisher coverage. This option pays to recharge or replace an extinguisher used against a fire in your home.
Service line coverage. This pays to repair or replace damaged power lines, water pipes and other utility lines on your property.
Personal injury coverage. With this endorsement, your liability coverage will extend to expenses associated with slander, libel, false arrest, wrongful eviction, imprisonment and malicious prosecution.
Unlimited loss of use coverage. If you can’t live in your home after a covered disaster, this option pays for you to live elsewhere, including assistance with hotel stays or restaurant meals, with no time or money limit.
Loss mitigation expense. After a claim of at least $10,000, this coverage helps pay for actions to prevent similar damage in the future.
The Hanover home insurance discounts
Depending on your state, you may be offered discounts for:
- Insuring both your home and auto with The Hanover.
- Insuring a newly built home.
- Being a nonsmoker.
- Having devices such as smoke detectors or an alarm system.
- Membership in certain organizations.
The Hanover home insurance complaints
The Hanover received fewer than the expected number of home insurance complaints to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners. (NAIC home insurance complaints also cover other home policy types, including mobile home, renters and condo insurance.)
The Hanover consumer experience
Website: The Hanover’s site offers some self-service options, including bill pay, claims reporting and access to policy details. However, you can’t get an online quote and have to use the agent search feature to find someone to speak with. The site includes a library of articles on insurance basics.
App: The Hanover’s app lets you file and track claims, view policy information, pay bills and get in touch with your agent. It’s available for iOS and Android.
Homeowners insurance buying guide
Before you start comparing quotes, identify how much home insurance coverage you need. Is a standard policy sufficient, or do you want to add extra insurance for situations like identity theft or sewer backups? Check whether each company you’re considering has the options you need.
To ensure you have sufficient personal property coverage, take a quick inventory of your belongings. How much would it cost you to replace them? Include all furniture, electronic devices, clothing, jewelry and household items. This total is the minimum amount of personal property insurance you should have.
When comparing rates between insurers, make sure they’re offering the same limits and deductibles. Although it may seem tempting simply to choose the cheapest option, consider looking at how many consumer complaints each insurer has before choosing a policy. Poor customer service could have a significant impact on your experience if you ever need to file a claim.
You can get home insurance quotes online, over the phone or through an agent.
The Hanover home insurance FAQ
What other types of insurance does The Hanover offer?
The Hanover sells auto, condo, renters, motorcycle and umbrella insurance, among other policies. You can learn more in NerdWallet’s Hanover auto insurance review.
Does The Hanover insure mobile or manufactured homes?
No, The Hanover doesn’t cover this type of property. For other options, see our guide to manufactured and mobile home insurance.
Does The Hanover have dog breed restrictions on its homeowners policies?
Yes, The Hanover may restrict coverage for breeds such as pit bulls, German shepherds, Presa canarios, Rottweilers and Doberman pinschers.
Homeowners insurance ratings methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts, online experience and more. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo) and life insurance.