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 currently presents itself as a non-standard personal/residential property writer focused on underserved urban markets and lower- to middle-income insureds who may have difficulty placing business with larger standard carriers. For Home, the company highlights owner-occupied dwellings, especially older homes and urban properties, and explicitly notes it will consider risks other carriers often surcharge or avoid, including flat-roof homes, row homes, and homes with dangerous animals, with no credit-score use and no premium penalties for those high-risk characteristics. Related published residential appetite includes tenant-occupied/landlord, renters, vacant, and seasonal dwellings. Coverage descriptions are primarily named-peril, actual cash value forms rather than broad standard-market homeowner forms. Homeowners pages show included contents at 50% of structure, deductible options of $0/$500/$1,000, burglary/robbery starting at $1,000 with buy-up options, ALE at 4% of contents for up to 3 months, and premises liability starting at $25,000 with higher optional limits. Landlord business is described for residential rental properties on a named-peril ACV basis including vandalism and extended coverage, with loss of rents up to 20% of dwelling limit, deductibles of $500/$1,000/$2,500, optional landlord contents in $5,000 increments to $20,000, and premises liability up to $300,000. Vacant dwellings can be written for 3, 6, or 12 months; seasonal dwellings for 12 months; optional vandalism is available; and premises liability is offered up to $500,000. Renters business is marketed as guaranteed issue, especially for urban and student-centered markets. Geographic notes published on the site indicate service in PA, NJ, DC, DE, MD, OH, IN, IL, AZ, GA, KY, TN, and WV, with state-specific pages emphasizing urban concentrations such as Chicago/Kankakee in Illinois and similar metro-focused messaging elsewhere. No formal broker-only underwriting manual, downloadable appetite guide, or detailed declination list was verified on the public site. Practical submission guidance appears to be light/public-facing: prospects can request a quote online, agents can use the find-an-agent/agent-login pathways, and underwriting contact is published directly at Underwriting@hanoverfire.com with phone 610-940-1165 / 800-919-3473. Broker/producer takeaway: this is best approached as a niche market for hard-to-place residential property risks rather than standard preferred HO business; confirm state availability, occupancy type, and whether named-peril/ACV terms fit the insured’s expectations before submission.