The Hanover
- Robust coverage packages.
- Low rate of consumer complaints.
- Claims can be filed online, through the app or by phone.
- Not available in all states.
- No online quotes.
About Hanover renters insurance
The Hanover renters insurance earned 4.3 out of 5 stars for overall performance. The Hanover offers three different renters insurance packages, so you can choose just the basics or upgrade to fuller coverage. The company has solid customer service, with a low rate of consumer complaints to state regulators. Based in Massachusetts, The Hanover sells policies in 19 states.
Best for: Renters who care about coverage details and want to work with an agent to buy their policy.
Not ideal for: Those who live outside the company’s service area or who want to buy a policy online.
Where The Hanover stands out
Flexible coverage. Between its packages and a la carte options, The Hanover has coverage that will suit most renters.
Consumer complaints. Aside from its poorly rated app, The Hanover draws a low volume of consumer complaints. This suggests most policyholders are satisfied with their coverage.
Claims. The Hanover has several options for claim filing: online, on the mobile app or by phone.
Where The Hanover falls short
Availability. The Hanover’s renters insurance policies are unavailable in more than half of the U.S.
No online quotes. You can’t get a quick quote online but instead will have to speak with an agent.
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What The Hanover renters insurance covers
Landlords sometimes require tenants to buy a policy with a minimum amount of 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:
- Personal property
Personal property coverage can replace belongings such as furniture and electronics if they're stolen or damaged.
- Personal liability
Renters liability insurance pays out if you're responsible for injuring other people or damaging their property.
- Loss of use
Loss of use coverage pays for hotel stays, meals or other expenses if you have to live elsewhere while your home is repaired.
- Medical payments
Medical payments coverage pays to treat injuries to other people in your home, regardless of fault.
For more details, see What Does Renters Insurance Cover?
The Hanover's basic renters policy includes the coverage listed above, plus coverage for any upgrades your landlord lets you make to your home.
Optional coverage
The Hanover has two more comprehensive coverage packages you can buy:
Select. Upgrade to the select package, and you’ll get coverage for identity fraud, lock replacement and refrigerated foods lost in a power outage. Plus, The Hanover will cover your personal belongings on a replacement cost basis rather than actual cash value. That means if your belongings are stolen or destroyed, The Hanover will pay 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. That amount 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 or drain. You’ll also get expanded coverage for your belongings. For instance, if you lose a piece of jewelry or break something fragile, The Hanover would cover it. Plus, you won't pay a deductible if you lose more than 50% of your personal property limit in a covered claim.
The Hanover also offers individual add-ons for collectibles and home-based businesses.
Discounts
Depending on where you live, The Hanover may offer discounts for:
Having approved safety or security devices in your home.
Getting a renters insurance quote a certain amount of time before you want the policy to start.
Consumer complaints
Complaints: One strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. The Hanover scores highly on this measure, drawing a low proportion of home insurance complaints compared to other U.S. insurers.
How we determined our complaint scores We analyzed three years' worth of complaint data from the National Association of Insurance Commissioners. When comparing insurers, we accounted for company size and total premiums. NAIC home insurance complaints cover various policy types, including homeowners, renters, mobile home and condo insurance.
Where The Hanover renters insurance is available
The Hanover sells personal insurance policies in 19 states.
Availability may change at any time. Coverage may not be available to all renters in a given state.
» MORE: The cheapest renters insurance
Consumer experience
Website: Although you can’t get quotes or buy renters insurance on The Hanover’s website, you can 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 highly rated in the App Store or on Google Play, with many users reporting glitches.
Claims: You can submit a claim on The Hanover’s website, through the app or by calling 800-628-0250. Claims tracking is available through your online portal and in the app.
Customer service: Call 800-922-8427 or contact your local agent for support.
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Other renters insurance companies to consider
Not ready to make a decision? You may be interested in these other renters insurance companies:
How we review renters insurance
Our editorial team considers these factors when reviewing renters insurance companies:
- 📞 Customer experience
This rating is based primarily on consumer complaints to state regulators, as reported by the National Association of Insurance Commissioners. We also evaluate whether companies have customer-friendly features such as online claims filing and quotes.
- 🛡️ Coverage
We look at how companies cover your personal belongings and how many common optional endorsements they offer.
- 💲Affordability
We evaluate the discounts a company offers and, when available, its median rates.
- 🏦 Financial strength
We use AM Best and Demotech ratings to confirm each insurer’s long-term financial stability and ability to pay claims.
See our complete renters insurance rating methodology.
Why you can trust NerdWallet
In our research, we analyzed:
More than 175 million renters insurance rates.
More than 100 insurance companies.
More than 150 renter profiles.
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.
Frequently asked questions
What other types of insurance does The Hanover offer?
What other types of insurance does The Hanover offer?
The Hanover sells homeowners, watercraft, umbrella, business and auto insurance, among other policies. Learn more with our Hanover auto insurance review.
How can I get a renters insurance quote from The Hanover?
How can I get a renters insurance quote from The Hanover?
To get a quote, you must contact a local agent. You can find one on The Hanover’s website.
Does The Hanover have dog breed restrictions on its renters policies?
Does The Hanover have dog breed restrictions on its renters policies?
Yes. Depending on where you live, The Hanover may restrict coverage for certain breeds. See what you need to know about dog liability insurance.
Renters insurance star 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 affordability, financial strength, consumer experience and coverage options. 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 from 2022 through 2024. 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.
