See how The Hanover's recreational lines coverage stands apart from leading carriers - and plays a pivotal role in a total account strategy.
Recreational lines and the total account
Recreational lines coverage is one of the easiest ways to round out accounts, deepen value and strengthen your customer relationships.
At The Hanover, we’ve updated our pricing and enhanced our underwriting approach to recreational lines to improve consistency and competitiveness as you write the total account. That means more quoting opportunities for you, and more chances to provide a product that compares favorably to leading carriers.
Why should your customers choose The Hanover for recreational vehicle coverage?
Competitive products - More built-in protection and valuable options for boats, motorcycles, collector cars and off‑road vehicles
New pricing and underwriting - Designed to help you quote confidently and win more accounts
Superior claims experience - One carrier, coordinated handling and added benefits for bundled accounts
Customer convenience - One bill to pay, one number to call in the event of a claim
98%
Retention rate for the total account - including recreational lines coverage - with a common effective date.
How The Hanover stands out
Our watercraft product features flexible coverage offerings and limits, so you can tailor each policy to your customer's needs. See what sets us apart from well-known competitors, and makes The Hanover the ideal fit for the total account.
Watercraft
- Fishing equipment and personal effects coverage automatically included, with optional limits up to $100K
- Built-in towing coverage, with high optional limits
- Agreed value, replacement cost and actual cash settlement options, for higher flexibility
- Broader coverage territory - 50 miles, with a 100-mile option
Motorcycle
- Custom and chrome coverage automatically included, with optional limits up to $40K
- Rider safety apparel coverage - $1K included, options up to $5K
- Newer bike replacement guard - 120% of actual cash value, to protect against depreciation
- Second chance accident forgiveness available on Day 1 of policy
Off-road vehicles
- The ability to bundle cargo and transport trailer coverage with a Hanover policy.
- Up to nine vehicles per policy
- Only vehicle operators need to be included on the policy
Hanover Collector Car, powered by Hagerty
- The convenience of total account integration combined with industry‑leading claims handling and collector car expertise
- Guaranteed Value® with no depreciation in the event of a total loss
- Coverage for automotive tools, spare parts, branded merchandise and much more
Not all coverage is currently available in all states.
On-demand video
Recreational lines:
Your key to winning the total account
Paul James, National Sales Leader at The Hanover, joins experts in product and sales strategy to discuss recreational vehicles coverage, and its importance to customer retention as part of the total account. You'll gain insights on our key coverage differentiators and see how to uncover opportunities within your book of business.
Navigating recreational lines coverage
Take a dive into the product details of our watercraft, motorcycle, off-road vehicle and collector car coverage. In just 10 minutes, you'll see how The Hanover’s offerings stand out against well-known carriers, with more built-in coverage, higher available limits and options crafted for the way your customers enjoy and maintain their recreational vehicles.
Sales tips
Ask at renewal
Recreational vehicles aren’t just another line of business — they’re a stabilizer for the entire account. See how one simple question can open up opportunity.
Spark the conversation
The Hanover's watercraft coverage comes with built-in coverage and higher limits than many carriers offer. See the value of picking just one feature and leading with it.
Kickstart your next coverage conversation
Our new guide gives you clear, practical language to uncover recreational vehicle opportunities. It can help you pivot conversations from price to value by showing how The Hanover can strengthen protection, close gaps and increase convenience - delivering true peace of mind.
Recreational lines and the total account
Recreational lines coverage is one of the easiest ways to round out accounts, deepen value and strengthen your customer relationships.
At The Hanover, we’ve updated our pricing and enhanced our underwriting approach to recreational lines to improve consistency and competitiveness as you write the total account. That means more quoting opportunities for you, and more chances to provide a product that compares favorably to leading carriers.
Why should your customers choose The Hanover for recreational vehicle coverage?
Competitive products - More built-in protection and valuable options for boats, motorcycles, collector cars and off‑road vehicles
New pricing and underwriting - Designed to help you quote confidently and win more accounts
Superior claims experience - One carrier, coordinated handling and added benefits for bundled accounts
Customer convenience - One bill to pay, one number to call in the event of a claim
98%
Retention rate for the total account - including recreational lines coverage - with a common effective date.
How The Hanover stands out
Our watercraft product features flexible coverage offerings and limits, so you can tailor each policy to your customer's needs. See what sets us apart from well-known competitors, and makes The Hanover the ideal fit for the total account.
Watercraft
- Fishing equipment and personal effects coverage automatically included, with optional limits up to $100K
- Built-in towing coverage, with high optional limits
- Agreed value, replacement cost and actual cash settlement options, for higher flexibility
- Broader coverage territory - 50 miles, with a 100-mile option
Motorcycle
- Custom and chrome coverage automatically included, with optional limits up to $40K
- Rider safety apparel coverage - $1K included, options up to $5K
- Newer bike replacement guard - 120% of actual cash value, to protect against depreciation
- Second chance accident forgiveness available on Day 1 of policy
Off-road vehicles
- The ability to bundle cargo and transport trailer coverage with a Hanover policy.
- Up to nine vehicles per policy
- Only vehicle operators need to be included on the policy
Hanover Collector Car, powered by Hagerty
- The convenience of total account integration combined with industry‑leading claims handling and collector car expertise
- Guaranteed Value® with no depreciation in the event of a total loss
- Coverage for automotive tools, spare parts, branded merchandise and much more
Not all coverage is currently available in all states.
On-demand video
Recreational lines:
Your key to winning the total account
Paul James, National Sales Leader at The Hanover, joins experts in product and sales strategy to discuss recreational vehicles coverage, and its importance to customer retention as part of the total account. You'll gain insights on our key coverage differentiators and see how to uncover opportunities within your book of business.
Navigating recreational lines coverage
Take a dive into the product details of our watercraft, motorcycle, off-road vehicle and collector car coverage. In just 10 minutes, you'll see how The Hanover’s offerings stand out against well-known carriers, with more built-in coverage, higher available limits and options crafted for the way your customers enjoy and maintain their recreational vehicles.
Sales tips
Ask at renewal
Recreational vehicles aren’t just another line of business — they’re a stabilizer for the entire account. See how one simple question can open up opportunity.
Spark the conversation
The Hanover's watercraft coverage comes with built-in coverage and higher limits than many carriers offer. See the value of picking just one feature and leading with it.
Kickstart your next coverage conversation
Our new guide gives you clear, practical language to uncover recreational vehicle opportunities. It can help you pivot conversations from price to value by showing how The Hanover can strengthen protection, close gaps and increase convenience - delivering true peace of mind.