Hanover Platinum
Hanover Platinum is a total account package designed to help protect your customers, featuring a wide range of auto and home coverages that can be tailored to help fit customers’ unique needs.
Platinum policyholders receive a wide range of benefits with Hanover Platinum Protection that go beyond coverage. They have access to online services, a unique Platinum claims number, account discounts, single effective date, industry leading new business package and more.
The benefits of a Hanover Platinum account
Platinum is designed to help attract and retain customers with high quality expectations of their insurance program. Benefits include:
Insurance needs packaged into a single account with one effective date
A wide range of home and auto coverages that can be tailored to each customer's unique needs
Partners in Protection discounts with high-quality vendors in car rental, home services, security and more
Top-notch claims service with a dedicated Platinum claims phone number, providing added service and attention
One deductible for a single loss affecting multiple properties, such as two cars or a car and a home
One bill and account discounts, including multi-car, home and auto, prior carrier and more
Get started with Platinum
We make writing a new Platinum policy simple, with our easy “upgrade” feature right in TAP Sales. Agency staff can either select ”Upgrade to Platinum” for existing Connections auto and home quotes, or begin a brand new quote by selecting the “Platinum” option on the transaction screen. The easy-to-follow flow will take you from the auto quote through the home quote, prefilling the named insured information and displaying the new Platinum coverage.
To learn more, visit TAP or attend one of our agency training sessions.
Home and auto coverage options
Platinum Select
- 125% extended dwelling replacement cost
- Personal property replacement cost
- Personal belongings 75% of Coverage A
- Refrigerated products
- Lock replacement
- Waiver of deductible**
- Fire extinguisher replacement/recharge
- Siding and/or roof restoration coverage (optional in some states)
Platinum Select Plus
Customers can upgrade and receive higher limits and more features. Select Plus includes Select coverages and:
- 150% extended dwelling replacement cost
- $5,000 water backup
- Personal injury
- Identity protection program
- Service line
Platinum Select Premium
Our highest package level includes all the features of the lower levels, plus:
- $10,000 water backup
- Revised deductible—large loss
- Loss of use 50% of Coverage A
These optional endorsements can be added to any Platinum Home package:
- Guaranteed replacement cost plus (cash out)
- Valuable items plus (VIP)
- Guaranteed replacement cost
- Green upgrades
- Scheduled items
- Assisted living
- Equipment breakdown
- Cyber coverage*
- Business pursuits*
- Permitted incidental occupancies*
- Home-based business*
- Home-sharing*
Platinum Auto Essential
Customer’s base auto policy, plus:
- Original equipment manufacturer (OEM) parts*
- Mechanical parts replacement
- Child passenger restraint system replacement
- Waiver of deductible
- Extended rental reimbursement
- Vehicle key replacement coverage
Platinum Auto Advantage
A bundled optional endorsement including:
- Second chance accident forgiveness
- Deductible dividends
- New car replacement guard
- Newer car replacement
Platinum Auto Elite
A comprehensive optional endorsement for increased protection including:
- Pet injury protection
- Rental car coverage
- Trip interruption
- Rental coverage upgrade
- Home care services
- Accidental airbag deployment
- Accidental death benefit
Additional optional endorsements that can be added to a Platinum Auto policy include:
- Rental coverage upgrade
- Home care services
- Excess custom equipment
- Excess electronic equipment
- Travel Right (includes trip interruption, pet injury and rental car coverage)
- Full/preferred glass coverage
- Reassurance plus (includes accidental airbag deployment and accidental death benefit)*
- Roadside assistance
- Extended non-owned
- Agreed value
Platinum Select
- 125% extended dwelling replacement cost
- Personal property replacement cost
- Personal belongings 75% of Coverage A
- Refrigerated products
- Lock replacement
- Waiver of deductible**
- Fire extinguisher replacement/recharge
- Siding and/or roof restoration coverage (optional in some states)
Platinum Select Plus
Customers can upgrade and receive higher limits and more features. Select Plus includes Select coverages and:
- 150% extended dwelling replacement cost
- $5,000 water backup
- Personal injury
- Identity protection program
- Service line
Platinum Select Premium
Our highest package level includes all the features of the lower levels, plus:
- $10,000 water backup
- Revised deductible—large loss
- Loss of use 50% of Coverage A
These optional endorsements can be added to any Platinum Home package:
- Guaranteed replacement cost plus (cash out)
- Valuable items plus (VIP)
- Guaranteed replacement cost
- Green upgrades
- Scheduled items
- Assisted living
- Equipment breakdown
- Cyber coverage*
- Business pursuits*
- Permitted incidental occupancies*
- Home-based business*
- Home-sharing*
Platinum resources
Find more resources for you and your customers on TAP Marketing and in our agent resource library.
Top reasons Platinum protection is right for you
This customer-facing infographic illustrates all of the benefits of Platinum protection for your customers.
Platinum coverage comparison
See how Platinum may be the right fit for your customers. Includes countrywide coverage information and steps to access state-specific information.
Platinum protection overview brochure
This customer-facing brochure outlines the benefits of Hanover Platinum Protection. Download and print, or order some to share with your customers.
Questions about Platinum coverage?
Contact your Hanover representative for more information.
*Coverage availability may vary by state.
** Waiver of Deductible—When there is a single loss that affects more than one property (such as two cars, or a car, home, and boat) only the highest policy deductible will apply when the loss to that policy exceeds the deductible. All other policy deductibles will be waived.