The Hanover renters insurance is best for people who want to work with an agent to get the right coverage.
Coverage
About average
Discounts
Average set of discounts
NAIC complaints
Fewer than expected
About Hanover renters insurance
The Hanover renters insurance earned 4.5 out of 5 stars in our analysis. It offers three different renters insurance packages. Between these and its a la carte options, The Hanover sells coverage that will suit most renters. It also has solid customer service, drawing consumer complaints at a low rate.
However, the company sells insurance only through independent agents, so you’ll need to spend some time on the phone to get a policy. Based in Massachusetts, The Hanover offers renters insurance in 19 states.
Based on its star rating, The Hanover appears in our list of the Best Renters Insurance Companies.
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 want to buy a policy online.
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What The Hanover renters insurance covers
The Hanover renters insurance covers your belongings, such as your clothes and electronics. It can help if a guest gets hurt in your home or your dog bites someone at the park. It can also pay for a hotel stay while your home is repaired after a covered claim. Learn more about what renters insurance covers.
The Hanover's basic renters policy includes the standard coverage listed above, plus coverage for any upgrades your landlord lets you make to your home.
Optional Hanover renters insurance 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. The Hanover will also cover your personal belongings on a replacement cost basis rather than actual cash value.
That means if your stuff is stolen or destroyed, The Hanover will pay enough for you to buy brand-new items. With actual cash value coverage, you’d be paid only what your belongings 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, valuable jewelry and home-based businesses.
What’s not covered
Like most insurers, The Hanover generally doesn’t cover:
Flood damage.
Earthquake damage.
Wear and tear.
Damage you cause on purpose.
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
Discounts
Depending on where you live, The Hanover may offer discounts for:
Having approved safety or security devices in your home.
Consumer satisfaction
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.
We determined our complaint scores by analyzing three years' worth of data from the National Association of Insurance Commissioners. When comparing insurers, we accounted for company size and total premiums.
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How we evaluate renters insurance companies
👋 I’m Sarah Schlichter, a senior writer and content strategist covering renters insurance. I built NerdWallet’s renters insurance rubric and did the research for this page to evaluate companies. I gathered and analyzed data across four major categories:
Companies get better scores when they have consumer-friendly features and low rates of complaints.
Consumer complaints
We analyze the number of consumer complaints reported to the National Association of Insurance Commissioners. The higher the rate of complaints, the lower a company's score.
Digital tools
We look at how easy it is to interact with insurers by evaluating their digital tools, website and customer support methods. The best insurers have user-friendly features like online quotes and live chat.
Companies earn points based on how generous and customizable their policies are.
Coverage for personal property
Insurers that cover your belongings on a replacement cost basis by default get higher scores. Those with less generous actual cash value coverage score lower.
Optional coverage
For this category, we look at whether each company offers some of the most useful add-ons, such as extra coverage for valuables.
The more affordable a company's policies are, the better its score.
We evaluate the discounts a company offers and, when available, its median rates.
Companies score well when they have a healthy balance sheet.
We evaluate an insurer’s ability to pay future claims by using assessments from independent agencies such as AM Best and Demotech. The top renters insurance companies have financial strength ratings of A, A+ or A++.
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 quality. 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 2023 through 2025. 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.
