The Hanover Renters Insurance Review 2022

The Hanover sells renters insurance through local agents in 20 states. You can choose from three coverage packages.

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The Hanover offers three different renters insurance packages, so policyholders can choose just the basics or upgrade to fuller coverage. The company shines when it comes to service, drawing far fewer consumer complaints than expected for an insurer of its size. Based in Massachusetts, The Hanover sells policies in 20 states.

Best for: Those who don't mind working with an agent to get the right coverage.

Our star ratings are based on consumer complaint data from the National Association of Insurance Commissioners; financial strength grades from AM Best; coverage and discounts available; and the overall consumer experience. See our criteria for evaluating renters insurance companies.

Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy in order to help you choose the financial products that work best for you. Here is a list of our partners and here’s how we make money.

The Hanover renters insurance pros and cons



Robust coverage packages.

Not available in all states.

Far fewer complaints than expected for a company of its size.

No online quotes.

Claims can be filed online or by phone.

Relatively few discounts available.

How The Hanover renters insurance rates


NerdWallet rating 

The Hanover renters insurance earned 4.5 out of 5 stars for overall performance. NerdWallet’s ratings are determined by our editorial team. The renters 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 Renters Insurance Companies for 2022.

State availability

The Hanover sells personal insurance policies in 20 states.

The Hanover renters insurance coverage

Landlords sometimes require tenants to purchase a policy with a minimum amount of renters liability insurance, but otherwise, the coverage you choose is generally up to you. Below are the four types of coverage included in most standard renters policies:

Type of coverage

What it does

Covers your clothing, furniture, electronics and other belongings.

Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.

Pays out if you're responsible for injuries to other people or damage to their property.

Medical payments

Covers injuries to other people in your home, regardless of fault.

The Hanover offers three renters insurance packages:

Basic. The basic policy includes all the standard coverage listed above, plus coverage for any alterations your landlord lets you make to your home.

Select. Upgrade to the select package, and you’ll get additional coverage for identity fraud, lock replacement and refrigerated foods lost in a power outage. Plus, your personal belongings will be covered on a replacement cost basis rather than actual cash value. That means if your belongings are stolen or destroyed, The Hanover will pay out enough for you to buy brand-new replacements. With actual cash value coverage, you’d be paid only what the items were worth at the time of the claim — which might not be much for older items.

Select Plus. This package includes all of the above plus up to $10,000 for damage if water backs up into your home from a sewer, drain or sump pump overflow. You’ll also get expanded coverage for your belongings. For instance, if you lose a piece of jewelry or break something fragile, those items would be covered. This package also includes broader liability coverage against lawsuits and waives your deductible if you lose more than 50% of the value of your belongings.

The Hanover also offers individual add-ons for collectibles, home-based businesses and higher water backup limits.


The Hanover advertises relatively few discounts, but it does offer savings if you bundle renters and auto insurance or have safety or security devices in your home.

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.)

Consumer experience

Website: Although you can’t get quotes or buy renters insurance on The Hanover’s website, you can use it to manage an existing policy. Log in to pay bills, file claims and see policy information.

App: You can use The Hanover’s app to view policy details, file and track claims, pay bills and contact your agent. However, the app isn’t rated highly in the App Store or on Google Play, with many users reporting technical glitches.

Renters insurance buying guide

Before you compare renters insurance companies, gather key information such as the address of the rental and any safety and security features the unit has.

You should also figure out how much coverage you need. 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.

Your liability limit should be high enough to cover your net worth, while your deductible should be an amount you’d feel comfortable paying in an emergency.

When evaluating renters insurance quotes, make sure each rate estimate includes the same coverage limits and deductibles so you know you’re getting a fair comparison. While it’s tempting to buy the cheapest policy, you may also want to read reviews of your preferred company to make sure it offers good customer service.

How to file a renters insurance claim

File as soon as it’s safe. The sooner you report a theft or damage to your home, the sooner your insurer can assign an adjuster and start working on paying out your claim. Some companies let you file claims online or through their app, while in other cases you may have to call your agent or insurer instead. Have your policy number handy.

Document the damage. Bolster your claim by taking photos or video of all damage. If something was stolen, report it to the police before you contact your insurance company. Your insurer may ask for a copy of their report.

Prevent further damage. After you’ve taken pictures of everything broken or destroyed, take steps to prevent additional damage, such as putting a tarp over a broken window to protect your belongings inside. Keep receipts for any supplies you buy, as your insurer may reimburse you later.

Other renters insurance companies to consider

Not ready to make a decision? You may be interested in these other renters insurance companies:

Frequently asked questions

The Hanover sells auto, homeowners, watercraft, umbrella and business insurance, among other policies. Learn more with our Hanover auto insurance review.

To get a quote, you must contact a local agent. You can find one on The Hanover’s website.

The Hanover may not cover breeds such as pit bulls, German shepherds, Presa Canarios, Rottweilers and Doberman pinschers.


Renters insurance ratings methodology

NerdWallet’s renters 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 options, 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 renters insurance rating methodology.

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. 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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