The Hanover homeowners insurance

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Based in Worcester, Mass., The Hanover Insurance Group (NYSE:THG) has offered personal lines of insurance for nearly 160 years.

It offers a wide range of property and casually products to businesses, individuals and families through a select group of independent agents across the U.S.

The Hanover offers a number of flexible packages so you can adjust your homeowners coverages as your needs change.

The Hanover’s Basic homeowners policy covers: your home tom the most common causes of loss, other structures and non-attached buildings on your property such as garages and tool sheds, and your personal belongings including furniture, clothing and appliances. The basic package also covers claims against you for bodily injury and property damage as well as medical payments to others who are accidentally injured on your property.

Options, discounts available

Among the options, The Hanover offers homeowners are: replacement cost coverage, personal property replacement cost, cost of refrigerated or frozen products that may be spoiled from the loss of power, and lock replacement when your keys are stolen. Other add-ons available are water back-up and sump overflow, more types of personal injury including lawsuits from invasion of privacy or wrongful eviction, and for costs associated with your identity being stolen.

Well-established homeowners also may be interested in The Hanover’s select premium policy that waives the deductible when your loss exceeds $50,000 and special personal property coverage that includes loss from such causes as freezing, wear and tear, smog, rust and corrosion.

You also can customize your coverage should you collect antiques, have a home-based business, a relative who lives in an assisted living facility or nursing home, or want greater coverage for water back-up.

You can save on your insurance by buying both auto and home with The Hanover. You also may be eligible for discounts for having no claims over a period of time, for owning a newly built home, for having superior construction materials and safety and security devices, and for renewals.