Hanover Prestige

Prestige is The Hanover's distinctive brand of personal insurance options for higher-value homes and autos. The protection we offer with Prestige is backed by service and expertise that lives up to your expectations. Prestige also offers you the flexibility to tailor the plan to help fit your needs, without paying for unneeded coverage.

With Hanover Prestige, you receive:

• Powerful protection — because you have more complex insurance needs
• Flexibility and choice — allowing you to tailor the coverage plan that's right for you
• Care and service — claims professionals with extensive expertise in high-value homes and autos
  
  

Learn more about the coverage available with Hanover Prestige Home and Auto below, or refer to our customer guide.

Hanover Prestige Auto

Hanover Prestige Auto is high-performance coverage engineered for those customers who see their cars as not just transportation, but a reflection of their lifestyle. Whether you are a road warrior or your kids' chauffeur, we'll keep you driving in style.

All Hanover Prestige Auto coverage comes with:

Prestige global rental

Do you ever wonder if you should be purchasing the extra insurance when renting a car? With Prestige global rental coverage you won't need to worry as you will receive worldwide protection when involved in an accident with a rental car. Plus, you'll be covered for any out of pocket expenses for loss of use or loss of value that the rental car company may charge you.

You can further customize your protection - by vehicle - with any or all of Prestige's a la carte options below.

Prestige rental upgrade

Provides up to $6K in rental car coverage without a daily limit, so you don't have to sacrifice size or luxury while your car is being repaired due to a claim.

Prestige travel companion

Provides $250 in coverage for towing and roadside assistance, and $1K for hotel stays, meals and transportation, in the event your car becomes inoperable. Plus, for pet owners, you are covered up to $2,500 if your dog or cat is injured in an accident in your car.

Prestige lifetime OEM

In the event of a repair resulting from a claim, you will receive the brand name original equipment manufacturer (OEM) parts, regardless of how old your vehicle is. And, they come with a lifetime guarantee.

Prestige new car extender

Cars within the three latest model years (up to 45K miles) will get the full replacement cost for a new car in the event of a total loss. It's like protection from depreciation. Vehicles older than three model years will receive the actual cash value of a vehicle one model year newer. It's an instant upgrade in value.

Hanover Prestige Home

Hanover Prestige Home is a unique suite of coverage developed for individuals and families with higher-value homes. It's flexible and broad coverage not just for the place you live, but for everything you care about inside it.

Hanover Prestige Home provides the following coverage:

Guaranteed replacement cost plus

This coverage offers the added flexibility of a cash settlement option, allowing you to rebuild, downsize or even start over somewhere else, in the event of a total loss. Learn more about replacement cost in this short video.

Loss of use

If an incident has left your home uninhabitable, the last thing you want to worry about is the cost of a hotel or meals. Prestige offers unlimited loss of use coverage to support you and your family while your home is repaired. No dollar limit, no time limit.

Flexible limits

Most home insurance policies provide protection for personal belongings at a standard of 50% of the home's replacement cost. For some that is too much, others too little. The Hanover gives you the choice of selecting the amount of coverage for your personal belongings that is right for you, with ranges of 30%-100% of your home's insured value (Coverage A).

Water backup

It's one of the most common and costly forms of damage to a home. Yet, most standard insurance policies do not include water backup coverage and if they do it is usually a small amount, less than $10K. Prestige provides $25k of coverage to start, and can be increased further. Learn more about this coverage in this short video.

Ordinance or law

Building codes change, and it can be costly to rebuild after a loss when it also requires modernizing your home. This coverage protects you from these additional expenses following a loss, and it's especially powerful protection for those with older or historic homes.

Service line

Provides $20K of coverage for sewer, water, electricity, telecomm and other utility lines that run from the exterior of your home to the public utility connection. Typically these service line repair costs are not covered by a homeowner's policy. Learn more about this coverage in this short video.

Loss mitigation expense

In the event of a claim exceeding $10K, this coverage offers up to $2,500 for steps you take to help protect against that loss from occurring again.

Deductible waiver for large loss

The last thing you want to do is pay out of pocket after you've experienced a major incident. This coverage eliminates the deductible when a loss exceeds $50K.

Plus, ask your independent agent about:

• Other structures on your property - ability to adjust the coverage on your policy for additional structures

• Coverage for your valuable items - Protect your prized possessions, such as jewelry or fine arts with a Valuable Items Plus endorsement or by scheduling individual items for their agreed value.

• Coverage for condo owners, too - Hanover Prestige Condo offers protection to condo and co-op owners, for the homes and possessions they cherish, with limits starting at $250K. With built-in coverage for loss of use, water backup, loss mitigation, personal liability and more, it's versatile, valuable "walls-in" protection.