Home Insurance

Connections® Home Insurance

There's no place like home. And no home like yours.

Connections Home insurance offers four flexible packages of coverage, enabling you to select a package that closely matches your particular lifestyle. Each of these options can be further shaped to meet your needs with our special home insurance endorsements.

We have coverage options that can be tailored to your lifestyle and choice of home. With options for single family homes, condominiums, apartments, and renters, we have a policy package that's right for you. Contact your Independent Insurance Agent for details. Coverage and limits vary by state.

  • Basic Policy
  • Select
  • Select Plus
  • Select Premium
    • Select Premium Extra

Choose from four flexible home insurance coverage packages.

Packages
Includes Select Plus, Select and Basic:
Select Premium Select Plus Select Basic

Designed for the well established homeowner, providing enhanced insurance coverage and higher policy limits than Select and Select Plus:

  • Deductible waived when losses to your home exceed $50,000
  • Increased Water Back-Up and Sump Overflow coverage up to $25,000
  • Special personal property against losses like:
    • breaking fragile items not covered in standard policy
    • misplacing jewelry or silverware
    • freezing, wear and tear, smog, rust and corrosion

Select Premium Extra* – is a special enhanced protection endorsement that can be added to a Select Premium policy. Coverage includes:

  • Guaranteed Replacement Cost insuring the full replacement cost of loss regardless of rising material and labor costs
  • Increased Loss of Use limit to the Actual Loss Sustained during a coverage period—up to 24–months from time of loss—providing you with security of knowing that your temporary living expenses will be covered
  • Covers important “extras” you may face when you have a covered loss, such as debris removal, bringing your older home up to current building codes, permit fees, etc.

    * Specific state Ordinance or Law and Loss of Use limits apply. Not available in all states.

Packages
Includes Select and Basic:
Select Premium Select Plus Select Basic

Gives you all the insurance coverage of the Select policy, plus:

  • Extending Dwelling Replacement Cost exceeding policy limit up to 150% of Coverage A
  • Water Back-Up and Sump Overflow covering property losses and clean up from water backing up through sewers or drains or sump overflow up to $10,000
  • Personal Injury costs including lawsuits involving invasion of privacy, wrongful eviction or wrongful entry
  • Identity Fraud Expense providing reimbursement for legal fees, document duplication, mailing costs and more
Packages
Includes Basic:
Select Premium Select Plus Select Basic

Insurance coverage above and beyond the basic policy including:

  • Extending Dwelling Replacement Cost of losses exceeding policy's limit, up to 125% of Coverage A, with such benefits as covering spikes for rebuilding labor and material costs and ensuring replacement of materials with those of comparable quality
  • Personal Property Replacement Cost for damaged, destroyed, or stolen property with no deduction for age or condition
  • Food products in the refrigerator or freezer due to loss of power
  • Lock replacement of external locks when keys are stolen
Packages
Select Premium Select Plus Select Basic

Provides solid insurance protection for your home
and possessions:

  • Replacement cost coverage up to the value of the dwelling for most common causes of loss
  • Other structures such as non-attached garages and tool sheds
  • Personal belongings including furniture, clothing and appliances
  • Liability claims involving bodily injury and property damage
  • Medical payments to non-household members who are accidentally injured on your property
 
 

The Hanover works with the very best independent agents to deliver you quality insurance protection.

Find an agent near you to get unbeatable insurance advice.
Note: This webpage offers a brief description of coverages, services, and programs. Actual coverages and availability may vary by state. Options, credits, and discounts are not applicable in all states. For exact terms, conditions, exclusions and limitations of coverages, please refer to your policy or contact your local Agent. For additional information, please refer to our legal notices.