Hanover Fire & Casualty Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Hanover Fire & Casualty’s currently published appetite is personal residential property with a clear non-standard/underserved niche focus. For Home, the carrier emphasizes owner-occupied dwellings, especially older homes and urban properties, and states it is willing to consider risks other carriers avoid. Published preferred themes include owners of older homes, urban-market residences, and lower- to middle-income households needing basic property protection. The broader site also shows active interest in landlord/tenant-occupied, renters, vacant, and seasonal dwellings, indicating cross-sell or companion residential opportunities. Notable risk-tolerance signals include no use of credit scores and no premium penalties for characteristics such as flat roofs, dangerous animals, and row homes. Geographic footprint published on official pages includes PA, NJ, DC, DE, MD, OH, IN, IL, AZ, GA, KY, TN, and WV. The Home product page describes owner-occupied coverage on a named-peril, actual-cash-value basis with included vandalism and extended coverage, contents at 50% of structure coverage, deductible options of $0/$500/$1,000, ALE up to 4% of contents for up to 3 months, premises liability starting at $25,000 with increases to $100,000, and an optional equipment breakdown endorsement. The site does not publish a formal declination list or hard underwriting knockouts; however, the absence of an admitted-style broad-form appetite and the repeated positioning around non-standard residential fire/homeowners suggests this is a specialty residential writer rather than a market for standard preferred HO risks or commercial lines. Submission/producer guidance is light and consumer-oriented rather than a formal broker portal: quote requests are routed through a web form asking for contact details, ZIP code of property, and insurance needed; agent access is via a Find an Agent page; and underwriting contact is published directly at Underwriting@hanoverfire.com, with agency development and underwriting leadership named on the contact/team pages. Operationally, brokers/producers should present this market as a fit for hard-to-place residential property risks within the listed states, especially urban, older, owner-occupied or related non-standard dwelling exposures, and should expect to confirm occupancy, property ZIP/state, dwelling type/use, and requested line before submission.