The Hanover Homeowners Insurance Review 2025
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The Hanover
Coverage options
Discounts
NAIC complaints
The Hanover
Coverage options
Discounts
NAIC complaints
Choose The Hanover home insurance if…
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About The Hanover home insurance
The Hanover homeowners insurance earned 4.5 out of 5 stars for overall performance.
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 also receives far fewer consumer complaints than expected. However, The Hanover home insurance is available in only 20 states.
How The Hanover home insurance stacks up
Extensive list of coverage options.
Far fewer consumer complaints than expected for a company of its size.
Comprehensive package available for high-value homes.
No online quote option.
Poorly rated mobile app.
Not available in all states.
Where The Hanover home insurance stands out
Coverage options. The Hanover’s lengthy list of coverage options and packages will meet most homeowners’ needs.
Consumer complaints. Although its mobile app doesn’t earn rave reviews, the company as a whole draws very few consumer complaints to state regulators, suggesting that most Hanover policyholders are satisfied with their policies.
Where The Hanover home insurance falls short
Availability. The Hanover sells policies in fewer than half of U.S. states.
Online quotes. You’ll have to chat with an agent to get a quote or buy a policy.
State availability
The Hanover offers homeowners insurance in 20 states.
Standard 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:
Dwelling. Pays to repair or rebuild the structure of your home.
Other structures. Covers damage to unattached structures such as sheds or fences.
Personal property. Pays to repair or replace personal belongings such as furniture or clothing.
Loss of use. Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.
Personal liability. Covers legal expenses and damages if you're responsible for injuries to other people or their property.
Medical payments. Covers injuries to guests in your home, regardless of fault.
For more details, see What Does Homeowners Insurance Cover?
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, which offers higher-limit coverage designed for those with homes that would cost at least $750,000 to rebuild.
Optional Hanover home insurance coverage
Some of the coverage types below are automatically included in certain packages, while others may be available a la carte. Your options will vary depending on where you live, 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 choose a cash-out option if you decide not to rebuild.
Personal property replacement cost. 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. Learn more about actual cash value vs. replacement cost coverage.
Coverage for refrigerated products. Pays for spoiled food after a power loss.
Lock replacement. Pays to install new locks if someone steals your keys.
Water backup coverage. Pays for damage if your sump pump fails or water backs up through a sewer or drain.
Identity protection. Pays legal fees and other expenses if someone steals your identity.
Deductible waiver for large loss. Waives your deductible if a claim is more than $50,000. (A deductible is the amount of a claim you need to pay.)
Deductible waiver for loss involving multiple policies. If you have a Platinum package and a disaster affects more than one insured property, like your home and car, you’ll need to pay only one of the applicable deductibles.
Scheduled personal property coverage. Offers extra coverage for valuable items such as jewelry, musical instruments or fine art.
Ordinance or law coverage. Helps bring your home up to the latest building codes during repairs for a covered claim.
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. Pays to recharge or replace an extinguisher used against a fire in your home.
Service line coverage. Pays to repair or replace damaged power lines, water pipes and other utility lines on your property.
Personal injury coverage. Extends your liability coverage 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 more than $10,000, this coverage helps pay for actions up to $2,500 to prevent similar damage in the future.
Equipment breakdown coverage. Pays to fix water heaters, central air conditioning systems, refrigerators and other appliances if they break down.
Home business. Offers additional insurance if you rent out part of your home or run another type of home-based business.
What’s not covered
Like most home insurance companies, The Hanover won’t cover damage from the following causes in its standard policies:
Flooding.
Earthquakes.
Lack of maintenance.
Backed-up drains.
Optional coverage may be available for some of these scenarios.
Discounts
Depending on your state, you may get discounts or credits for:
Insuring both your home and car with The Hanover.
Insuring a newly built home.
Being a nonsmoker.
Having safety and/or security devices.
Being a member of certain organizations.
Consumer complaints
The Hanover received far 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.)
Digital experience
The Hanover’s website 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 website includes a library of articles on insurance basics.
The Hanover’s app is available for iOS and Android. It's designed to let you file and track claims, view policy information, pay bills and get in touch with your agent. However, many users report glitches that make the app difficult or impossible to use.
How to file a claim with The Hanover
You can report a homeowners claim on The Hanover’s website, through the mobile app or by calling 800-628-0250. For advice, see how to file a home insurance claim.
How to contact The Hanover customer service
The Hanover offers phone support at 800-922-8427. You can also reach out to your local agent.
Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
How we rate homeowners insurance
NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as financial strength, consumer complaints, coverage, discounts and customer experience.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 50 insurance companies.
Nearly 200 homeowner profiles.
View our complete homeowners insurance rating methodology.
Methodology
Homeowners insurance star 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, coverage, discounts and online experience. 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 full ratings methodology for home insurance.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. 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. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
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