Pittsburgh, PA Insurance Broker I Hanover Insurance

Hanover Fire and Casualty Insurance

Pennsylvania Fire and Casualty Insurance at a Fair Price

Hanover Fire and Casualty offers fair and competitively priced premium rates to the non-standard marketplace. Many insurers base their premium rates on the policyholder’s credit score as they consider financial responsibility, or irresponsibility, to be a solid predictor of good or poor personal responsibility and perceived risk. Personal credit scores aren’t taken into account at all by Hanover Fire and Casualty Insurance. This gives a broader range of people access to good coverage at a fair price.

Hanover Fire and Casualty Insurance deal primarily with people in urban markets and lower-to-middle income households who are typically denied coverage by larger fire and homeowners insurance companies in PA. In 2010, Inc. Magazine ranked Hanover Fire and Casualty Insurance at #36 in their list of the Top 50 insurance carriers in the country. The company provides:

Homeowners Insurance – Hanover Fire and Casualty offers the most basic insurance policy, an HO8 form, to protect a home and its contents from perils like fire and lightning, windstorm or hail, and vandalism. Homes are typically covered at Actual Cash Value, which is replacement cost minus depreciation. This value is often the same as a home’s market value.

Renters Insurance – Hanover Fire and Casualty offers Renters Insurance in Pittsburgh. This insurance covers the possessions of anyone renting a home or apartment in the region. Contents like clothing, furniture, bedding, and other household items are covered from common perils such as fire and lightning, windstorms, hail and sleet, or explosions. Elected coverages like personal liability, burglary, and additional living expenses can also be added to any Pittsburgh area Renters Insurance policy.

Artisans Liability Insurance – Hanover Fire and Casualty partner with the KnightBrook Insurance Company to provide general liability insurance for Pittsburgh contractors. Any PA residential contractor with limited commercial exposure, one to five employees, and gross receipts totaling less than $1,000,000 is eligible for this Artisan’s General Liability Policy. This provides liability coverage for Pittsburgh area carpenters, plumbers, electricians, roofers, and even the part-time snow plower.

Dwelling Insurance – Hanover Fire and Casualty offers Dwelling Insurance in the Pittsburgh region for owner and tenant occupied dwellings and vacant or seasonal dwellings. Seasonal dwellings cover anything from a vacation home or camp to a hunting cabin. The vacant dwelling insurance is written on a three, six, or twelve-month basis.

Hanover Fire & Casualty Insurance Customer Reviews – Pittsburgh Region

“I was looking for a break and I found it with Hanover. As a single parent working two jobs, my credit score was far from perfect. It didn’t help that I live in a dilapidated neighborhood that has seen better days but I love my old house and have every intention of restoring it to its original beauty. I was flabbergasted when big insurance companies either denied me or quoted me far from reasonable rates because my credit was shaky. It was good enough to get a home loan but not good enough for insurance? I am glad my insurance broker introduced me to Hanover” – Peggy, Mckeesport, PA

Interested in Hanover Fire & Casualty Insurance? Contact Rupp and Fiore Today

Hanover Fire & Casualty are able to accept a broader range of risks and won’t look at your credit score when quoting you a rate. If you’re looking for good coverage at a reasonable price, and you’re considering Hanover or any of our other carriers, let’s talk. Rupp and Fiore Insurance Management locations are scattered throughout the Pittsburgh region with offices in Robinson, Latrobe, Greensburg, New Eagle, Bethel Park, Trafford, Monessen, North Huntingdon, and Mars. Click here for more details on our locations or to contact us by phone or email.

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