Hanover Platinum® — agreed-value personal collections for HNW clients who want a single carrier for home and collections.
The Hanover Insurance Group is a mid-market property and casualty insurer with strong admitted market presence across the northeastern United States and growing national reach. Its Hanover Platinum® product represents the company's premium HNW offering — a comprehensive personal lines package that integrates homeowners, personal collections (including fine art, jewelry, wine, and antiques), personal auto, and personal liability into a single unified solution. For established collectors who also want their primary and secondary residences covered by the same carrier, Hanover Platinum® provides the simplicity of a single relationship without sacrificing the coverage breadth that HNW households require.
The collections component of Hanover Platinum® is built on agreed value throughout — no depreciation applies at claim time for scheduled personal articles, and blanket programs are available for collections that are too diverse or dynamic to schedule item by item. The program handles fine art, jewelry, wine, silverware, antiques, and other high-value personal property within a single policy structure, which simplifies annual renewals, eliminates the risk of coverage gaps between separate policies, and provides a unified claims contact when a loss occurs involving multiple categories simultaneously.
Hanover's independent agent network is the delivery mechanism for Platinum® — the product is not available direct or through captive agents. For collectors who have a long-standing relationship with an independent agent and value that professional relationship, Hanover Platinum® is designed to be accessed exactly that way. BestArt Insurance works within Hanover's independent agent distribution model to provide clients with the benefits of a specialist broker overlay — ensuring that the program terms, coverage structure, and pricing are appropriate for the specific collection being insured.
Paintings, sculpture, photography, prints, and works on paper. Agreed value with blanket and scheduled options as part of the Hanover Platinum® personal lines package.
High jewelry and gemstones. Scheduled agreed-value coverage with competitive per-item terms for established collections.
Wine collections and antique holdings covered alongside fine art and jewelry within the unified Platinum® structure — a practical advantage for multi-category collectors.
Hanover Platinum® homeowners coverage for primary and secondary residences on a replacement cost basis — the foundation of the integrated HNW package.
HNW auto coverage including agreed value options for collectible vehicles — natural complement to the home and collections components.
Personal excess liability rounding out the comprehensive Hanover Platinum® household package.
The structural advantages that make Hanover Platinum® a compelling single-carrier solution for HNW collectors.
A single policy integrating home, collections, auto, and liability — one renewal, one claims contact, no coverage gaps between separate policies.
Collections scheduled and settled at agreed value with no depreciation — the stated value is the settlement value for total losses.
Consistent AM Best A rating reflecting Hanover's financial stability and claims paying ability.
Blanket agreed-value coverage available for fine art, jewelry, and other collection categories — practical for diverse, growing, or frequently changing holdings.
Hanover Platinum® is delivered through independent agents — professional, local service relationships are a design feature of the product.
One carrier, one renewal, one underwriting relationship for the entire household — home, collections, auto, and liability all in one place.
Understanding where Hanover excels — and where another carrier may serve you better.
BestArt Insurance works within Hanover's independent agent distribution model to access Hanover Platinum® for collectors who want the integration of home and collections under one carrier. We present collections as part of a complete household account — which is how Hanover Platinum® is designed to be underwritten — and ensure that the collections component is structured with appropriate agreed values, blanket coverage where needed, and scheduled items for the highest-value individual pieces. For collectors who want the simplicity of a single carrier and the assurance of a specialist broker, BestArt bridges both.
We'll compare Hanover Platinum® against the full specialist market to find the right integrated solution.
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