The Hanover
- Extensive list of coverage options.
- Low rate of consumer complaints.
- Comprehensive package available for high-value homes.
- No online quote option.
- Poorly rated mobile app.
About The Hanover home insurance
The Hanover homeowners insurance earned 4.2 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 fewer consumer complaints than expected. However, The Hanover home insurance is available in only 19 states.
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Answer a few questions to see custom quotes and find the right policy for you.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 a low rate of complaints to state regulators, suggesting that most Hanover policyholders are satisfied with their policies.
Package for high-value homes. The Prestige package can include guaranteed replacement cost for the structure of your home, along with other perks.
Where The Hanover home insurance falls short
No online quotes. You’ll have to chat with an agent to get a quote or buy a policy.
Poorly rated mobile app. The Hanover’s app gets mixed reviews from both iPhone and Android users.
What Hanover home insurance covers
These types of home insurance coverage generally come standard:
- Dwelling
Dwelling coverage pays to repair or rebuild the structure of your home after a covered event. It also covers attached structures, such as porches.
Typical amount: Enough to rebuild your home.
- Other structures
Other structures coverage pays to repair or rebuild stand-alone structures on your property, such as a fence or shed.
Typical amount: 10% of dwelling coverage.
- Personal property
Personal property coverage pays to repair or replace stolen or damaged belongings. Personal property coverage comes in one of two options: actual cash value or replacement cost.
Typical amount: 50-70% of dwelling coverage.
- Loss of use
Loss of use coverage, sometimes known as additional living expenses coverage, helps pay temporary living expenses while your home is being repaired. This can cover hotel stays, home rentals and meals.
Typical amount: 20% of dwelling coverage.
- Personal liability
Personal liability coverage pays if you injure someone or cause property damage unintentionally or through neglect.
Typical amount: $100,000 to $500,000.
- Medical payments
Medical payments coverage pays to treat someone injured on your property, regardless of who’s at fault. It also pays if you, a family member or a pet injures someone away from your home.
Typical amount: $1,000 to $5,000.
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 for 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 pay for rebuilding, this option helps make up the difference.
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. Without this coverage, you could receive less of a payout for older items that have lost value over time. 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 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. Coverage may include hotel stays, restaurant meals and other expenses, with no time or money limit.
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 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:
Lack of maintenance.
Backed-up drains.
Optional coverage may be available for some of these scenarios.
Where Hanover home insurance is available
The Hanover offers homeowners insurance in 19 states.
Availability may change at any time. Coverage may not be available to all homeowners in a given state.
- Find the best home insurance in your state
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.
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Answer a few questions to see custom quotes and find the right policy for you.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.
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.
Third-party ratings: The Hanover was rated below average for customer satisfaction in J. D. Power’s 2024 U.S. Home Insurance Study.
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. After filing, you can check the status of your claim by logging into your account on the website or app.
Here are some key things to remember when filing a home insurance claim:
Document the damage. Take photos and create an inventory of damaged items. Provide details like labels and model numbers if possible, especially for more expensive items. Once you've documented the damage, you can make temporary repairs if it's safe to do so.
File your claim as soon as possible. This is especially important if the damage was caused by a storm, as it likely means other homes in the area were also affected.
Save your receipts. You may end up spending money on temporary repairs or living expenses before getting a payment from your insurance company. Keep all receipts so you can submit them for reimbursement later.
For more information, 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.
Online tools
Website: The Hanover’s website offers bill payments, claims reporting and access to policy details. However, you can’t get an online quote. Instead, you can use the agent search feature to find someone to speak with. The website includes a library of articles on insurance basics.
Mobile app: 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.
Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
- See all NerdWallet home insurance reviews
How we rate homeowners insurance
NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 100 insurance companies.
Nearly 200 homeowner profiles.
View our complete homeowners insurance rating methodology.
Frequently asked questions
What other types of insurance does The Hanover offer?
What other types of insurance does The Hanover offer?
The Hanover sells auto, condo, renters, motorcycle and umbrella insurance, among other policies. You can learn more with NerdWallet’s Hanover auto insurance review.
Does The Hanover insure mobile or manufactured homes?
Does The Hanover insure mobile or manufactured homes?
The Hanover covers manufactured and mobile homes through a partnership with American Modern. For other options, see our guide to manufactured and mobile home insurance.
Do Hanover homeowners insurance policies have dog breed restrictions?
Do Hanover homeowners insurance policies have dog breed restrictions?
Depending on the state you live in, The Hanover may restrict coverage for certain dog breeds.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2024 U.S. Home Insurance Study. Accessed Sep 8, 2025.
Star rating 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, claims process and website functionality. 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 or star ratings.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer experience (40%).
Financial strength (30%).
Coverage (25%).
Discounts (5%).
Read our full home insurance ratings methodology for more details.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare with 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.
