The Hanover insurance review 2025

Each year, Bankrate's insurance editorial team conducts an in-depth study of major insurance carriers to help readers find the best insurance company to meet their needs. Based on our assessment, the Hanover may be a good option for drivers who don't mind paying extra for convenient coverage packages and extra endorsement options. However, although the company offers robust coverage options, its premiums tend to be much more expensive than the national average, and policies are only available in 27 states plus Washington, D.C. These factors contributed to the company's auto Bankrate score of 3.1 out of 5.

The Hanover car insurance comes in three packages: Connections, Platinum and Prestige. Its base-level plan, Connections, has three levels: Connections Auto, DriveSmart and DriveSmart Advantage. Each level has more coverage options than the last, with the DriveSmart Advantage encompassing the most. Some of the features at this highest level include deductible dividends and new car replacement guard, which pays the actual cash value of a one year newer make, model and equipment of your vehicle.

The Hanover's Prestige and Platinum plans may be ideal for drivers who want to take advantage of unique auto policy features. In the mid-level Prestige package, drivers can include an array of optional coverage features that may help make the claims process smoother. These options include upgraded roadside assistance, transportation coverage if the vehicle becomes inoperable and pet injury coverage.

With the Hanover Platinum package, auto and home insurance are bundled. The Platinum package provides even higher policy limits and more policy add-ons than the Connections and Prestige plans. Among the many options offered, one standout feature is a single renewal date for both policies.

Pros and cons of The Hanover car insurance

When looking for the best car insurance company, many drivers want more than just cheap premiums. When comparing car insurance rates, you may find it helpful to take note of the other benefits and drawbacks that come with a carrier.

Like its car insurance, The Hanover might be one of the best homeowners insurance companies for those seeking prebuilt coverage packages with the option to add unique endorsements. Based on our analysis of average premiums, coverage options, digital presence and more, The Hanover home insurance earned a Bankrate Score of 3.1 out of 5. While the company did well in the coverage category, its overall score was brought down by generally steep premiums, lack of nationwide availability and lower-than-average ratings for its mobile app.

The Hanover takes a similar approach to its homeowners products as it does with its auto by offering the Connections, Prestige and Platinum tiers. Each package offers unique coverage options and may be personalized to ensure the best fit for your homeowners insurance needs. While the Connections and Prestige plans may be suitable for most homes, The Hanover Platinum plan is intended for high-value homes or those who want the most robust coverage. This top-tier plan offers extra policy features, such as ordinance or law coverage, increased water backup coverage and unlimited loss of use coverage if your home is temporarily uninhabitable due to a coverage claim.

Pros and cons of The Hanover homeowners insurance

Comparing home insurance quotes might seem intimidating, but making a list of pros and cons may provide a helpful visual to keep track of the priorities a company does and doesn't meet.

Bankrate conducted this insurance review for The Hanover to help you decide if this carrier may meet your insurance needs. If you're still not sure that this is the company for you, you may want to request quotes from some of the companies below.

Our insurance editorial team includes three licensed agents. Through our agency experience, we know that choosing the best insurance company isn't always easy — that's why we conduct exhaustive company reviews.

Whether The Hanover is a good company for you may depend on what you're looking for. If price isn't your primary concern and you're willing to pay extra for robust coverage and high-level customer service, then The Hanover might be a good fit for you. However, you may have better options if you're shopping on a strict budget or prefer a company with comprehensive digital tools. Additionally, The Hanover isn't available nationwide.

What are real-life customers saying about The Hanover?

To provide more insight into The Hanover customer experience, we searched Trustpilot and Reddit for real customer reviews. These platforms allow users to share their firsthand experiences, offering valuable perspectives on what it’s like to have an insurance policy with The Hanover.

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

The Hanover company details

• Customer service: 1-800-922-8427
• Claims: 1-800-628-0250
• Website: hanover.com
• Payment mailing address:
  The Hanover Insurance Company
  P.O. Box 580045
  Charlotte, NC 28258-0045

State availability

The Hanover offers policies in 27 states — AZ, CA, CT, CO, UT, GA, IL, IN, LA, ME, MD, MA, MI, MN, MO, KS, NH, NJ, NY, NC, OH, PA, TN, TX, VA, WA, WI — and Washington, D.C. Not all policy types may be available in all states.

The Hanover tools and benefits

In addition to home and personal auto insurance, The Hanover also offers other insurance policies and a few benefits that may interest customers. These include:

• Car rental services: Those who rent cars often may benefit from The Hanover's partnership with National Car Rental. The Hanover policyholders are considered members of the National's Emerald Club Executive program and can rent any vehicle in the executive area for the midsize rate in the U.S. and Canada.
• Homeowner partnerships: The Hanover partners with multiple companies through its Partners in Protection program to provide discounted pricing and additional benefits to home insurance policyholders. These partnerships include home repair services with Porch, discounts on security kits with SimpliSafe, arborist care with HMI, water and plumbing service with Leak Defense and Flo by Moen.
• Umbrella insurance: Policyholders who want extended liability protection may consider purchasing a separate umbrella policy.
• Watercraft: If you own a boat, The Hanover could provide additional protection, including coverage for fishing equipment, recovery and salvage, and towing and assistance.
• Recreational vehicles: This policy from The Hanover is intended for vehicles such as golf carts and snowmobiles, as well as ATVs, antique vehicles, motorhomes and more. Coverage for these vehicles can be included through an active auto or home policy with the Hanover.
• Motorcycle: The Hanover has several levels of coverage for motorcycle riders, from base coverage to a Prestige package.
• Cyber: Cyber insurance to protect you from cybercrime is available from The Hanover up to $100,000. This insurance covers cyberattacks, online fraud, data breaches and more.
• Renters: The Hanover offers both basic renters insurance as well as select coverage that includes identity fraud protection and lock replacement.
• Valuable items: This coverage protects you against the loss of jewelry, silverware, musical instruments and more. The Hanover offers several levels of protection with the ability to customize your policy as needed.
• Business insurance: Business owners can purchase policies such as general liability, property and professional liability insurance for business from The Hanover.
• Mobile app: The Hanover's mobile app allows you to manage your policy via your smartphone. You can view your policy documents, call roadside assistance, file a claim and more through the app.

Frequently asked questions about The Hanover

These are sample rates and should only be used for comparative purposes. 

Additional profiles:

• Coverage A, Dwelling: $150,000, $350,000, $450,000
• Coverage B, Other Structures: $15,000, $35,000, $45,000
• Coverage C, Personal Property: $75,000, $175,000, $225,000
• Coverage D, Loss of Use: $30,000, $70,000, $90,000
• Coverage E, Liability: $500,000
• Coverage F, Medical Payments: $1,000

These are sample rates and should only be used for comparative purposes. 

Bankrate Scores

Our Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways an auto and home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.