Hanover Homeowners Insurance Reviews

Since it emphasizes bundling packages, Hanover Homeowners Insurance may be best if you want multiple policies through the same insurance company. Hanover products aren’t available nationwide, so you can only get a policy if your home is located in one of the 21 states where the company operates.

It doesn’t offer instant quotes online, so Hanover may disappoint consumers looking for a fully digital insurance experience.

To get started, reach out to a Hanover agent for a quote. Typically, the insurer will ask questions about your household, how your home is structured and other property details. Hanover may ask questions about your home’s construction, any structures on your property such as sheds or outbuildings (e.g., a barn or a garage) and other questions.

Based on your credit score and previous insurance claims as well as your answers to the questions, your insurer will estimate how likely you are to file a claim. From there, Hanover can develop a more accurate estimate of your premium and coverage needs.

Your premium may be due monthly, quarterly, twice per year or once per year. If you have a mortgage on your home, your mortgage lender may make these payments through an escrow account that you pay into.

After you start coverage, keep your policy going and save your documentation in case you have questions about your Hanover policy.

To file a claim, contact Hanover Insurance Group by phone or through its online claims portal. Answer any questions your agent or Hanover representative asks about the damage, theft or losses for which you’re seeking coverage.

Once your claim is approved, Hanover may send a check or direct deposit payment, minus any deductible payments you’ve already made. Keep in mind that filing a claim may cause future premiums to increase.

Hanover coverage is customized to your coverage amounts, policy needs, risks, deductible choices, credit history and other factors. For these reasons, Hanover provides quotes based on applicants’ unique needs.

Homeowners insurance is typically more expensive when you have a low credit score, have a history of filing home insurance claims, live in a home in an area with a high crime rate or fit other factors that increase claims risk, such as living in an area with frequent severe weather.

Those with good credit, higher deductibles or other low-risk factors, such as living in a safe neighborhood, usually pay the lowest premiums for homeowners insurance.

To keep your premium low, try shopping around for quotes from multiple carriers and ask your insurance agent how to maximize discounts.

The Hanover Insurance Group offers packages so you can choose the policy you want:

• Connections home insurance: Customize your home insurance policy to cover your property against damage, theft, accidents or personal liability.
• Platinum home and auto insurance: Bundle your home and car insurance policies. Hanover claims to offer discounts for customers who sign up for both in one account.
• Prestige high-value insurance: Higher home replacement cost reimbursement is one of the features Prestige policies offer. Consider bundling with your car insurance to save. Hanover agents can provide more information on what home value you need in your ZIP code to apply for Hanover Prestige.

Aside from these packages, customers can also request additions to their policies based on other coverage needs, such as additions to Hanover Prestige’s high-value home coverage.  Not every option is necessarily available in every state or for every applicant, so contact your Hanover agent for more details on qualifications and available coverage.