The Hanover Insurance Group Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's Hanover Insurance Group Score
4 Stars
Trusted Choice rates Hanover Insurance Group four out of five stars. The Hanover Insurance Group has about 170 years of experience under its belt, along with high ratings from AM Best and the Better Business Bureau (BBB). The carrier also offers 24/7 claims reporting.
The Hanover Insurance Group was founded in 1852 and has been working with independent insurance agents since the very beginning. Today, the carrier offers coverage in 27 states. Personal and commercial coverage options are available, including home, auto, and business insurance.
The Hanover loses a couple of points due to the dozens of complaints filed against it through the BBB in recent years. The carrier also has higher-than-average home and auto insurance rates.
However, the insurance company offers several discounts to help reduce premiums. Overall, we recommend looking into The Hanover Insurance Group with your independent insurance agent to be your next trusted carrier.
The Hanover Insurance Group Pros and Cons:
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To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
The Hanover Insurance Products by Type
The Hanover Insurance Group offers several coverage options for individual and business customers. Its catalog includes the following insurance products:
Personal Insurance:
- Homeowners insurance
- Auto insurance
- Motorcycle insurance
- Recreational vehicles insurance
- Umbrella insurance
- Cyber insurance
- Watercraft insurance
- Condo insurance
- Home business insurance
- Renters insurance
- Valuable items insurance
Business Insurance:
- Commercial auto insurance
- Business owners policy insurance
- Cyber insurance
- Commercial general liability insurance
- International insurance
- Management liability insurance
- Marine insurance
- Professional liability insurance
- Commercial property insurance
- Commercial umbrella insurance
- Workers' compensation insurance
The Hanover Homeowners Insurance
The Hanover offers standard and high-value homeowners insurance policies. You can find all the standard home insurance coverages you'd expect from The Hanover, as well as the following optional policy endorsements.
Coverage types, features, and benefits:
Service line
The Hanover offers optional service line coverage, which can pay to repair or replace service lines on your property, including phone, cable, and power lines, as well as water and sewer pipes.
Water backup
The Hanover offers optional water backup coverage, which can pay to repair or replace property that's damaged or destroyed by incidents of water backup, such as from a sewer.
Guaranteed replacement cost
The Hanover's optional guaranteed replacement cost coverage can pay to fully rebuild your home after a covered total loss with similar materials and craftsmanship to the original.
The Hanover Homeowners Insurance Average Prices
We found The Hanover's average home insurance rates to be quite a bit more expensive than average. A home insurance policy with $300,000 in dwelling coverage from The Hanover averages $3,159 per year, which is much higher than the current national average premium of $2,304 annually. Here are some average home insurance premiums from The Hanover by dwelling coverage amount.
The Hanover Annual Home Insurance Prices by Dwelling Coverage Amount
| Dwelling Coverage Amount | National Average Premium | The Hanover Average Premium |
|---|---|---|
| $150,000 | $1,394 | $1,763 |
| $300,000 | $2,285 | $3,128 |
| $350,000 | $2,550 | $3,580 |
| $450,000 | $3,091 | $4,372 |
| $750,000 | $4,525 | $5,623 |
The Hanover's average annual home insurance premiums were more expensive than the current national average in every dwelling coverage category we studied.
The Hanover Auto Insurance
The Hanover also offers all the standard car insurance coverages you might need, as well as the following optional policy endorsements.
Coverage types, features, and benefits:
Deductible dividends
The Hanover offers customers the option to add an endorsement to their policies that can reduce the collision deductible. This endorsement allows customers to save up to $500 per year on their collision deductibles.
Newer car replacement
The Hanover's optional newer car replacement endorsement will pay the actual cash value of a vehicle with the same make, model, and equipment that's one year newer than the customer's car if it's declared a covered total loss.
The Hanover Auto Insurance Average Prices
The Hanover's auto insurance prices are considerably more expensive than average. Here are some average car insurance premiums from The Hanover by driver age.
The Hanover Annual Auto Insurance Prices by Driver Age
| Driver Age | National Average Premium | The Hanover Average Premium |
|---|---|---|
| 16 | $5,080 | $6,844 |
| 18 | $4,376 | $6,442 |
| 20 | $4,818 | $9,231 |
| 25 | $2,929 | $5,644 |
| 30 | $2,523 | $4,329 |
The Hanover's car insurance rates were much more expensive than average in every driver age category we studied.
Methodology
Average rates for car insurance were based on a sample driver who is 40 years old and has a good credit score and clean driving record. The sample customer was quoted for an auto insurance policy with bodily injury liability coverage of $300,000 per accident and $100,000 per person, property damage liability coverage of $50,000 per accident, personal injury protection coverage of $100,000 per accident, and uninsured motorist bodily injury coverage of $300,000 per accident and $100,000 per person. The driver's collision and comprehensive coverages each had a $500 deductible.
What Discounts Does The Hanover Insurance Group Offer?
The Hanover Insurance Group offers numerous competitive discounts for its customers on many different types of coverage. The carrier's homeowners insurance discounts include the following:
- New home discount: Offered to customers who insure newly constructed homes.
- Safety and security devices discount: Offered to customers who have certain safety and security devices installed in their homes, such as central alarms and smoke detectors.
- Home buyer discount: Offered to customers who insure homes that are new purchases.
- Affinity groups discount: Offered to customers who belong to certain affiliated groups, companies, or organizations.
An independent insurance agent can provide better discount information and premium quotes for coverage through The Hanover Insurance Group. When it comes to coverage, independent insurance agents work hard to help get you the most for your money.
The Hanover Insurance Group Customer Service
Here's a breakdown of The Hanover Insurance Group's customer service options and availability:
- Phone
- Snail mail
- Online claims reporting
- Online bill pay
- Mobile app
- 24/7 phone claims reporting
- Customer service department does not specify its hours restrictions.
| Days | Hours (ALL TIME ZONES) | ||
| Monday - Sunday | NOT SPECIFIED |
To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.
Connect with a Hanover Insurance Group Agent Today.
Shopping for insurance? The Hanover Insurance Group has you covered.
The Hanover Insurance Group FAQs
The Hanover Insurance Group states that customers are usually contacted within one to two business days by an adjuster after filing a claim.
The Hanover Insurance Group does not specify its customer service phone contact hours. However, the carrier is available 24/7 through phone and online claims reporting and through a mobile app.
Our Hanover insurance claims review found that the official website breaks down the carrier's claims process into simple terms for customers:
- Claim expert gets assigned to the customer.
- Customer will hear from the adjuster within one business day.
- Adjuster may suggest virtual or drone inspection, or set up an in-person assessment.
- Contact with the adjuster depends on the customer's needs and the claim's severity.
The Hanover Insurance Group's website is intuitive and easy to navigate. The carrier offers 24/7 phone claims reporting and a mobile app. The Hanover's social media presence extends across X, Facebook, LinkedIn, and Instagram, which makes it even more accessible to customers. Overall, The Hanover provides a highly user-friendly experience for customers.
The Hanover Insurance Group provides many insurance solutions for individuals and businesses, including cyber insurance. The carrier's official website lists the following coverages as being included in its cyber policies:
- Privacy and security liability
- Breach event expense
- Breach reward expense
- Cyber business interruption and extra expense
- Cyber extortion
- Cyber theft
- Breach at a third-party
- Cyber media liability
- Fines and penalties
An independent insurance agent can help you find out more about The Hanover Insurance Group's cyber liability insurance, as well as its many other products.
With more than a century and a half of experience under its belt, high official ratings, and a great catalog of insurance products, yes, The Hanover Insurance Group can indeed be considered a good insurance company.
The Hanover's insurance products may be right for individuals or professionals in search of home, auto, or business insurance. However, coverage is not available in every state.
A home insurance policy with $300,000 in dwelling coverage from The Hanover averages $3,159 per year, which is much higher than the current national average premium of $2,304 annually.
https://www.hanover.com/
https://ratings.ambest.com/CompanyProfile.aspx?BL=0&amb=2225&AltNum=16892225&AltSrc=4
https://www.bbb.org/us/ma/worcester/profile/insurance-services-office/the-hanover-insurance-group-0261-100180/customer-reviews
https://www.bankrate.com/insurance/reviews/the-hanover/