Bundling your home and car insurance with the same insurance company can provide two benefits: convenience and savings. Hanover Insurance Company offers both types of insurance to individuals who are less interested in low-cost, no frills insurance but still want comprehensive packages that include many coverages and add-ons.
If you are a resident of one of the 27 US states or Washington, D.C., you will have access to The Hanover homeowners and auto insurance. This Hanover insurance review can help you decide if this is the right provider.
Hanover Car Insurance
It can be difficult to choose the right car insurance balance. The uniqueness of The Hanover is its premium package of car insurance, homeowners and umbrella coverage called The Hanover Platinum.
The Platinum package includes higher limits and additional coverage, including key replacement, child seat replacement and a maximum of $1,500 custom equipment coverage. The Platinum package also includes water backup, debris removal and sump overflow protection. It also covers fire extinguisher recharges or replacements.
Different types of coverage
Bundling home and auto is not necessary. You can create your own The Hanover auto policy if you only need vehicle coverage. You’ll find all the vehicle coverage that you would expect from this carrier, plus more.
- Liability All states require at least some liability coverage. Auto coverage for the Hanover starts with liability insurance.
- Comprehensive coverage: Add comprehensive protection to your vehicle. This covers repairs and replacements for your car in the event it is damaged by weather, fire, theft, or vandalism.
- Medical payments This coverage covers medical expenses for third parties that you injure in a car accident.
- A new car replacement: If your car is totaled in an auto accident, you’ll get the cash value for a car that’s one year older than yours.
- Original equipment manufacturer part (OEM): Replacements and repairs use factory parts which are typically more expensive.
- Roadside assistance This 24-hour emergency service offers towing, refuelling and battery jump-starts.
Hanover Car Insurance: What is the Cost?
Hanover’s car insurance is not the most affordable. The minimum coverage costs are more expensive than the top ten car insurance companies, which have rates between $351 to $756 for basic auto insurance. The Hanover’s full coverage is $4,532 more expensive than MetLife. MetLife is the most costly carrier on the top 10 list with a premium $2,236.
| Minimum Coverage | Complete Coverage |
|---|---|
| $1,255 | $4,532 |
Higher premiums at Hanover offer more coverage than those of lower-cost competitors. For vehicles one year older than your current vehicle, you will be reimbursed at actual Cash Value.
Get Discounts
The Hanover offers a variety of discounts on auto insurance, as with other insurance providers. You can also save money by not filing claims to take advantage deductible dividends coverage. Every year, you will receive $100 off your annual deductible without making a claim. Discounts are worth considering:
- Accident prevention courses
- Anti-theft devices
- Good student
- Multi-car
- Paid-in-full
- Safe Teen
- Students away from school
Hanover Home Insurance
The Hanover offers home insurance for homes with higher values through Prestige coverage. You can customize your homeowners insurance coverage even if you don’t have to insure large estates.
The Hanover Platinum bundle, which includes auto and home insurance, offers full-featured coverage. You can get Platinum coverage for The Hanover home insurance policy, which includes auto insurance and additional home coverage such as 150% extended dwelling insurance, equipment breakdown, and guaranteed replacement cost.
Different types of coverage
The Hanover offers a variety of home coverage options:
- Structure This includes the “four walls”, as well as any other structures, on your property.
- Contents This covers your possessions, such as furniture, clothes, and electronics.
- Additional living expenses If your home becomes uninhabitable due to a loss, this will pay for living expenses elsewhere.
- Liability Insurance: liability insurance provides protection for injuries that occur on your property as well as legal defense against such losses and injuries.
- Scheduled Property: This protects higher-value contents like expensive jewelry, collectibles, and artwork.
Get Discounts
Without mentioning the discounts, this Hanover home insurance review would not be complete. Bundling your auto and home insurance is a great way to save the most. Bundling your auto and home insurance can save you significant money. The Hanover home Insurance discounts are:
- Affinity groups
- Buyer of a home
- New home
- Discount on payment method
- Safety devices, such as smoke detectors, and security alarms
The Hanover is a great option
Individuals are looking for high-quality coverage and a personal touch. Hanover is sensitive to their needs. The insurance carrier offers bundles that provide additional coverage beyond what many companies offer. This simplifies the process.
Additional car insurance coverages can include OEM parts or higher-value replacement cars. There are home insurance options such as equipment breakdown and guaranteed replacement cost. You can get the most from The Hanover by choosing a package such as the Platinum for auto and home or the Prestige for homes with higher values that require higher limits.
The only problem with The Hanover is its price. The average premium is typically higher than other insurers. You’ll get more for the money you pay in terms of additional coverages or higher limits.
Hanover also offers additional policies
The Hanover provides additional coverages to individuals and businesses, in addition to auto and home insurance. You can also purchase personal insurance like:
- Condo
- Home business
- Recreational vehicles
- Renters
- Umbrella
- Watercraft
The Hanover Ratings and Reviews, Customer Satisfaction, Complaints, and Reviews
The Hanover is a good choice for financial stability. It earned an A grade from AM Best credit agency. It doesn’t rank high on J.D.’s overall satisfaction ratings for auto or home insurance. Power.
Questions frequently asked
Which is the best auto insurer?
The best auto insurance company will depend on many factors, including type of vehicle, driving record, coverage limits, premiums, and coverage limits. Compare the coverage and prices of several insurance companies to determine which one is best.
Which is the best company for home insurance?
Bankrate’s roundup top home insurance companies lists the best carriers and their best customers. Amica Mutual and USAA are both highly ranked, but USAA only covers military personnel. Amica does not offer coverage across the country, unlike USAA.
Which states does The Hanover insurance cover?
The Hanover offices are located in Arizona, California, Connecticut, Colorado, Georgia, Indiana, Kansas, Kansas, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, New Hampshire, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Texas, Utah, Virginia, Washington, D.C., and Wisconsin.
