Learn how Hanover’s home evaluation process — including a convenient self-evaluation option — helps ensure your coverage reflects the true value and features of your home.
The Hanover home evaluation process
We know how important it is to you to have the peace of mind that comes with having the proper coverage for your home. This is why we periodically conduct home evaluations. A home evaluation is typically ordered when a new homeowners insurance policy is purchased, or prior to an upcoming policy renewal.
Traditionally, these are conducted onsite by a third-party property inspection partner, but The Hanover also offers a do-it-yourself home evaluation option.
Why do I need a home evaluation?
A home evaluation helps document the details of your home — its size, features, systems and materials — to help ensure you have the proper coverage. Home evaluations also help determine the cost to rebuild your home in the event of a total loss — what we refer to as "replacement cost" — along with any potential hazards in or around your home. This enables us to make recommendations that help reduce the likelihood of a future claim.
The evaluation will document:
- Our calculation for the cost to rebuild your home
- Possible safety recommendations and requirements
- Square footage of home
- Attached structures and interior features
Did you know?
According to CoreLogic, 64% of U.S. homes are undervalued for the purpose of insurance by an average of 19%.
Home self-evaluations
For eligible customers, we offer you the opportunity to conduct your own home evaluation, by submitting select photos of your property. With the self-evaluation option, you can avoid having an on-site visit from an inspector.
With The Hanover, this is performed with an app called Hover, which allows you to complete your home evaluation using your smart phone in roughly 15 minutes.
- How do I perform my self-evaluation?
You will receive an email or text message on the policy's effective date with the information necessary to complete this step. You will be asked to download the Hover app to your mobile device. The app will give you step-by-step directions to complete your self-evaluation and guide you through the photo-taking process.
- Am I required to complete the self-evaluation?
We require a evaluation of your home, but whether or not you perform it, or a third-party home inspector does, is up to you. The self-evaluation must be completed within 14 days of receiving the email from Hover. After the link expires, you'll be notified by mail that a property inspection vendor will be performing an in-person evaluation of your home.
- Will the self-evaluation affect my policy?
The information gathered through the self-evaluation will be reviewed to help determine if you are adequately insured. If we have any questions after reviewing the completed self-evaluation, we will work closely with your agent to obtain additional information.
- Who do I contact for technical support?
You can access the Contact Us section by selecting the three-line icon on the top left-hand corner of the app. For your convenience, an email link for homeselfeval@hanover.com is provided should you need assistance.
In-person home evaluations
In some instances, a trusted Hanover partner or risk solutions consultant will schedule a visit to your home for an in person evaluation. Our trusted consultants will help ensure your home is adequately covered and help inform you of potential opportunities to reduce your risk of experiencing a loss in the future.
What should I expect?
- Your agent will be notified of any scheduled evaluations.
- You will receive a postcard, informing you that we will be conducting an evaluation, and whether it will be an interior and exterior or exterior only.
- Our evaluation vendor will call or email you to schedule an appointment if an interior evaluation is required.
- Your agent will receive a copy of the evaluation and any recommended or required next steps.
Home evaluation partners
- See additional vendor details
- Hanover Risk Solutions Consultants are employees of The Hanover and may perform home evaluations for high value homes. (CT, MA, ME, MI, NH, NJ, NY, OH, PA)
- Exterior evaluations include a review of key characteristics that could affect a home's value and certain types of hazards and conditions that could increase the chances of a loss.
- The team of evaluators include former insurance, construction and real estate professionals with industry knowledge.
- All evaluators are required to wear a photo ID badge or proper identification.
Tell us about your experience with your home evaluation
The Hanover home evaluation process
We know how important it is to you to have the peace of mind that comes with having the proper coverage for your home. This is why we periodically conduct home evaluations. A home evaluation is typically ordered when a new homeowners insurance policy is purchased, or prior to an upcoming policy renewal.
Traditionally, these are conducted onsite by a third-party property inspection partner, but The Hanover also offers a do-it-yourself home evaluation option.
Why do I need a home evaluation?
A home evaluation helps document the details of your home — its size, features, systems and materials — to help ensure you have the proper coverage. Home evaluations also help determine the cost to rebuild your home in the event of a total loss — what we refer to as "replacement cost" — along with any potential hazards in or around your home. This enables us to make recommendations that help reduce the likelihood of a future claim.
The evaluation will document:
- Our calculation for the cost to rebuild your home
- Possible safety recommendations and requirements
- Square footage of home
- Attached structures and interior features
Did you know?
According to CoreLogic, 64% of U.S. homes are undervalued for the purpose of insurance by an average of 19%.
Home self-evaluations
For eligible customers, we offer you the opportunity to conduct your own home evaluation, by submitting select photos of your property. With the self-evaluation option, you can avoid having an on-site visit from an inspector.
With The Hanover, this is performed with an app called Hover, which allows you to complete your home evaluation using your smart phone in roughly 15 minutes.
- How do I perform my self-evaluation?
You will receive an email or text message on the policy's effective date with the information necessary to complete this step. You will be asked to download the Hover app to your mobile device. The app will give you step-by-step directions to complete your self-evaluation and guide you through the photo-taking process.
- Am I required to complete the self-evaluation?
We require a evaluation of your home, but whether or not you perform it, or a third-party home inspector does, is up to you. The self-evaluation must be completed within 14 days of receiving the email from Hover. After the link expires, you'll be notified by mail that a property inspection vendor will be performing an in-person evaluation of your home.
- Will the self-evaluation affect my policy?
The information gathered through the self-evaluation will be reviewed to help determine if you are adequately insured. If we have any questions after reviewing the completed self-evaluation, we will work closely with your agent to obtain additional information.
- Who do I contact for technical support?
You can access the Contact Us section by selecting the three-line icon on the top left-hand corner of the app. For your convenience, an email link for homeselfeval@hanover.com is provided should you need assistance.
In-person home evaluations
In some instances, a trusted Hanover partner or risk solutions consultant will schedule a visit to your home for an in person evaluation. Our trusted consultants will help ensure your home is adequately covered and help inform you of potential opportunities to reduce your risk of experiencing a loss in the future.
What should I expect?
- Your agent will be notified of any scheduled evaluations.
- You will receive a postcard, informing you that we will be conducting an evaluation, and whether it will be an interior and exterior or exterior only.
- Our evaluation vendor will call or email you to schedule an appointment if an interior evaluation is required.
- Your agent will receive a copy of the evaluation and any recommended or required next steps.
Home evaluation partners
- See additional vendor details
- Hanover Risk Solutions Consultants are employees of The Hanover and may perform home evaluations for high value homes. (CT, MA, ME, MI, NH, NJ, NY, OH, PA)
- Exterior evaluations include a review of key characteristics that could affect a home's value and certain types of hazards and conditions that could increase the chances of a loss.
- The team of evaluators include former insurance, construction and real estate professionals with industry knowledge.
- All evaluators are required to wear a photo ID badge or proper identification.
Tell us about your experience with your home evaluation