logo
Dwelling Insurance
Renter's Insurance
Home Insurance
About Hanover
 
Home Fire Prevention Theft Prevention Contact Us Agent login
      Call Center: 1-800-919-FIRE

Owner Occupied Dwelling Fire Insurance

Coverage is provided for property that is occupied by the owner of the dwelling. Coverage is provided for the dwelling on a named peril basis.  These perils are fire, lightning, windstorm, hail/sleet and explosion. This form also provides for additional coverage for personal property of the named insured. The available deductible options are $0, $500 and $1,000.

Burglary and Robbery coverage is included at a limit of $1,000 and may be increased to $5,000.

Additional living expenses are included up to an additional 4% of the contents limit.

Liability coverage is also provided for the premises. $25,000 of coverage is included, and this may be increased to $100,000.

Each of these perils should be reviewed to determine limits, exclusions, etc.

Tenant Occupied Dwelling Insurance

Property owners that rent their dwelling to others can obtain insurance for their property.  We provide coverage for the dwelling on a named peril basis. These perils are fire, lightning, windstorm, hail/sleet and explosion.  There are three deductible options available $500, $1,000 and $2,500

Optional coverage may be purchased for any contents of the building owned by the named insured. This additional coverage can be purchased in $5,000 increments to a maximum of $20,000.

This form includes loss of rents for the named insured up to 10% of the dwelling limit.

Liability coverage is also available.  $100,000 and $300,000 limits are available.

Each of these perils should be reviewed to determine limits, exclusions, etc.

Vacant & Seasonal Dwelling Insurance

Our vacant/seasonal dwelling program offers two tiers of coverage based on whether the home is vacant or occupied on a seasonal basis. Seasonal dwellings include vacation homes, camps & hunting cabins. The vacant dwelling program can be written on a 3-Month, 6-Month or 12-Month basis.

This program is written on a named peril basis and includes Fire and Extended Coverage (Vandalism is excluded).  The covered perils are fire, lightning, windstorm, hail/sleet and explosion.  We provide coverage for the dwelling with limits available from $20,000 to $300,000 and all policies include $10,000 for contents of the named insured.  The deductible options are $500, $1,000, $2,000 and $3,000.

Liability coverage is also available as an option.  The available limits are $100,000 and $300,000, with Medical Payments coverage of $2,000, $3,000 and $5,000.

The seasonal dwelling program includes an option to add $1,000 in burglary coverage to the policy.

Each of these perils should be reviewed to determine limits, exclusions, etc.

For rates and application, please state your state of residence below:

•  Pennsylvania, New Jersey, Washington DC, Illinois
•  Delaware, Virginia*, Ohio*, Indiana*, Maryland

    *policies underwritten by Bankers Independent Insurance Company.