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 we rate homeowners insurance companies
Why you can trust NerdWallet
The Hanover home insurance star rating
4.5NerdWallet rating 
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 2023.
State availability
The Hanover offers homeowners insurance in 20 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:
Type of coverage
What it does
Dwelling

Pays to repair or rebuild the structure of your home.

Other structures

Covers damage to unattached structures such as a shed or fence.

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.

Coverage options vary depending on where you live and which package you choose, but they 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 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 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. This offers extra coverage for valuable items such as jewelry, musical instruments or fine art.

Ordinance or law coverage. This pays to bring your home up to the latest building codes while it's being repaired for a covered claim.

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 up to $2,500 to prevent similar damage in the future.

Equipment breakdown. This endorsement pays to fix water heaters, central air conditioning systems, refrigerators and other appliances if they break down.

Home business. This coverage can offer additional insurance if you rent out part of your home or run another type of home-based business.

» MORE: 10 kinds of damage home insurance won’t cover