Agent Solutions for Personal Lines
See why The Hanover is your carrier of choice for preferred accounts.

A partnership built on trust

There is no carrier more dedicated to your success than The Hanover. That’s why we design and innovate products and capabilities to offer a wide range of coverage options, working with you to craft a one-carrier plan for a wider range of customers than ever before.

That’s because we find accounts placed with one carrier help prevent insurance gaps for your customers and provide the best retention and growth opportunities for you.

Your customers turn to you to protect more than just homes or autos. They have a lifestyle to protect – the family boat trips, the motorcycle rides, the ring they’ll cherish forever. We are here to help them get the coverage they deserve.

 

Coverage beyond home and auto

From Hanover Agency Insight data, we've found that the most successful independent agents focus on account business – by placing all lines of business with high-performing carriers and aligning effective dates. That's why we design our products and capabilities to support writing the total account.

1 in 3

Customers in the independent agency channel have a full account and a common effective date for their coverage.

96%

is the rate of agency retention for these customers - significantly outperforming split and monoline accounts.

54%

Agents who focus their business on seven or fewer carriers grow 54% faster than agents who work with more. This includes...

10%

more account business and a 5% higher average customer premium.


Product suites geared
toward the total account

Hanover Platinum

Hanover Platinum

 

Our home and auto package is the foundation for writing the total account for your customers. With Hanover Platinum, customers experience the convenience of one effective date, one bill to pay, and one carrier to call in the event of a claim.

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Hanover Prestige

Hanover Prestige

 

Prestige is our distinctive brand of a la carte personal insurance options for higher-value homes and autos, providing the flexibility to tailor a plan to help exceed the high expectations of this customer base, without paying for unnecessary coverage.

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Solutions by product

With our new capabilities, expanded appetite and agent-centric approach, we’ve made it easier than ever for us to say insure we do.

Homes

Homes

We offer the difference-making coverage that your account customers seek – including service line coverage, water backup protection and debris removal in the event of a total loss. Modern coverage options like these allow you to craft a plan specific the homes they love. 

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Auto

Auto

The Hanover offers a wide range of a la carte auto coverage options in order to help you protect your customer's total account and capture new business, while providing value and peace of mind to your customers.

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Umbrella

Umbrella

With an umbrella insurance policy, customers can be protected from liability claims and un-/underinsured motorists. It's affordable coverage that goes beyond the limits of their home or auto policy, with options ranging from $1M-$10M.

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Rental properties

Rental properties

Whether it’s a second home, a summer rental, or a source of income, we put the same care into protecting rental property as we do with a primary residence. Our dwelling fire product covers up to four two-unit properties.

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Valuable items

Valuable items

Customers can protect cherished valuables with a scheduled personal property endorsement or valuable items plus (VIP) property endorsement. This can be added to an existing policy for your customer's most precious items, with limits ranging up to $25K per item/$250K total.

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Watercraft

Watercraft

Our watercraft coverage offers protection for boats (up to 43’), and sailboats (up to 51’) between $3,000-$500,000 in value, and personal watercraft, too. All with flexible options and limits, and the convenience of pre-filled information while quoting.

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Motorcycles

Motorcycles

Our motorcycle protection covers a variety of bikes – choppers, scooters, touring bikes and more – with the option to customize a policy to your customer's motorcycle lifestyle. Plus, we make it easy, with pre-filled customer account information to provide a quote. 

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Cyber

Cyber

We offer Hanover homeowners a suite of a la carte cyber coverage options, including cyberbullying protection, with limits up to $100K and services including credit monitoring in the event of a claim.

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Home-based businesses

Home-based businesses

The Hanover’s home business solutions program features coverage options designed for homeowners who generate income through a home-based business, or through short-term rentals of their home, without needing a separate policy.

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Our most asked-about coverage options

Top home coverage

Top home coverage

    Service line

  Water backup

  Cyber

  Home business solutions

  Equipment breakdown

Top auto coverage

Top auto coverage

 Second chance accident forgiveness

   New car replacement

  Newer car replacement

   Rental coverage

  Agreed value (available with Hanover Prestige Auto coverage)

New and trending

Business as usual won't work in a hard market

Business as usual won't work in a hard market

Insurance Journal Magazine red logo


The Hanover’s Paul James, National Sales Leader, Vice President of Personal Lines, shares four tips to help agents prioritize their time, as well as strategies for long-term success in a dynamic market.

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Water damage resources

Water damage resources

water damaged basement


Water damage is one of the most common homeowner insurance claims. See our proactive solutions to avoid significant water damage in your home.

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Visit our resource library

 

Agent resources

 

How we support independent agents

How we support independent agents

The Hanover is dedicated to partnering with you to best position your agency - and your customers - for success. See some of the ways we strive to strengthen our partnership.

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Meet your team

Meet your team

We work closely with our agents to understand the needs of your customers in order to provide best combination of protection, value and price. The smoother the process, the happier you and your customers will be. 

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Agent resource library

Agent resource library

The Hanover's agent resource library includes valuable resources, helpful tools and tips to help you help your clients and enhance your industry knowledge.

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The claims experience

The claims experience

Every claim–no matter how big or small–is important to us. We give our policyholders peace of mind that we will be there for them when the unfortunate happens, and every step along the way until their lives and businesses are restored.

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Customer resources

Customer resources

Help educate your customers on risk and assist them in finding ways to reduce their chance of a loss with our articles, tips and more. Easy to share on social.

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Partners in protection

Partners in protection

We strive to provide the best service and protection to our agents and policyholders. That’s why we partner with high-quality service providers and promote their helpful services – with special pricing and benefits.

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Home self-inspections

Home self-inspections

We know how important it is to our agents and customers to have the proper insurance protection for a home. That's why we have partnered with YouGoLook to offer a self-evaluation option to our policyholders for their convenience. 

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Our digital customer experience

Our digital customer experience

Encourage your customers to take advantage of self-service options through our secure customer portal, My Hanover Policy. Learn more about the benefits of our digital services, such as paperless billing, policy documents, text notifications, tracking a claim in real time and asking billing questions with our self-service network assistant, Hanna. See how enabling customers to self-service will save you time.

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Home evaluations

Home evaluations

We encourage periodic home evaluations to help document the details of a customer's home, including its size, features, systems and materials. This helps ensure they have the proper insurance coverage and enables us to make recommendations that help reduce the likelihood of a future claim.

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