No one wants to be left unprepared for when disaster strikes. Reparing or replacing a home is costly, but a home insurance policy helps ensure you’re not the one paying for everything.  

Home insurance policies offer financial assistance for: 

• Fire 
• Theft 
• Certain Natural disasters 
• Liability claims 
• ... and more

In addition to covering your home's structure, Hanover home insurance policies can cover personal belongings and offer liability coverage in case someone gets injured on your property. With Hanover home insurance, you can focus on enjoying your home without worrying about unexpected risks.  

A standard Hanover home insurance policy typically includes:  

• Dwelling Coverage: Protects your home’s structure from damage caused by covered events like fire or storms.
• Personal Property Coverage: Covers your belongings, such as furniture, electronics, and clothing, in case of theft or damage.
• Liability Coverage: Provides financial protection if someone is injured on your property or if you accidentally cause damage to someone else’s property.
• Loss of Use Coverage: Covers living expenses if your home becomes uninhabitable due to a covered event.

However, Hanover offers an optional insurance package called “Hanover Prestige Home” that offers more coverage in addition to the standard coverage above. This includes: 

• Service Line Coverage: Protects your home from costly repairs to underground utility lines, like water, gas, or sewer pipes, which standard policies typically don’t cover.
• Water Backup Coverage: Provides extra protection for damage caused by sewer or drain backups in your home.
• Loss Mitigation: Coverage (up to $2,500) for devices (like a sump pump) that would otherwise cause you to file the same claim again
• Cyber Protection: Coverage for cyber-attacks, data breaches, fraud, and cyber extortion.

Keep in mind, this might not be the full list of coverages, and this is meant to be general in nature to give you an idea of what Hanover can provide. For more specifics, a Goosehead agent will be able to answer questions and help you find coverage that fits your needs. 

Several factors affect the cost of a Hanover home insurance policy, including:  

• Location: Homes in areas with higher risks of natural disasters or crime may have higher premiums.
• Home Size and Rebuild Costs: Larger homes or those with higher rebuild costs typically come with higher premiums.
• Credit Score: A strong credit score reflects financial responsibility and can help reduce insurance premiums.
• Claims History: A history of recent or frequent claims suggests higher risk, which may result in higher insurance costs.
• Additional Coverage Options: Extra coverage offers more protection but may raise your premium. Options include roadside assistance, rental reimbursement, and comprehensive coverage.

There may be more rating factors, but this list represents some of the most common considerations for your premium.

Hanover offers several ways to save on your home insurance policy:  

• Bundling Discounts: Combine your home and auto insurance with Hanover for lower rates.
• Safety Features: Installing smoke detectors, security systems, or fire alarms can qualify you for discounts.
• Claims-Free Discount: Maintaining a history without claims can help you save on premiums.

Goosehead Insurance simplifies the process of finding the best home insurance by connecting you with Hanover. With clear policies and expert guidance, we make protecting your home easy. Here’s why Hanover homeowners trust Goosehead:  

• Comparisons: We compare policies to find the best coverage at the right price.
• Guidance: Our agents provide expert advice and answer all your questions.
• Simple Process: We handle the details, saving you time and effort.
• Excellent Service: Count on us for ongoing support whenever you need it.