Hanover Insurance Homeowners
Hanover Insurance
4.0
Agent-only. Excellent for older homes. Guaranteed replacement cost. A AM Best.
Editorial score
4.0 / 5
Product type
home insurance
Our take
Hanover Insurance excels with older homes and historical properties — offering guaranteed replacement cost and coverage for unique architectural features that standard policies often exclude. Sold exclusively through independent agents. Strong A AM Best rating.
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Full details
| best for | Owners of older, historical, or architecturally unique homes |
| specialty | Older homes, historical properties |
| am best rating | A |
| headline metric | From ~$155/mo |
| home value tier | standard |
| secondary metric | Specialty coverage for older homes |
| states available | All 50 states (agent-only) |
| bundling discount | up to 15% |
| avg annual premium | 1860 |
| avg monthly premium | 155 |
| discount highlights | Claims-free, protective devices, multi-policy, new roof |
Frequently asked questions
What should I compare besides premium for Hanover Insurance Homeowners?
Look at coverage limits, deductibles, exclusions, and customer service reputation. The cheapest quote is not always the best value if coverage is weaker.
Is Hanover Insurance Homeowners right for me?
Hanover Insurance excels with older homes and historical properties — offering guaranteed replacement cost and coverage for unique architectural features that standard policies often exclude. Sold exclusively through independent agents. Strong A AM Best rating.
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Verified Apr 2026
Hanover Insurance Homeowners