Hanover Platinum Protection

AGENT MATERIAL

Hanover Personal Lines

Better Coverages. Better Services.

A Better Bundle.

HANOVER PLATINUM PROTECTION

Packaged perfection.

As part of the Platinum Experience, we are introducing Hanover Platinum Protection — a product

designed to help attract and retain customers with high quality expectations who enjoy the benefits

of packaging all of their personal insurance needs into a single account. Offering excellent coverage

protection, a single account bill, one effective date, world-class Claims service, new online tools,

and more — Platinum has it all.

** Waiver of Deductible — When there is a single loss that affects more than one property (such as two cars, or a car, home, and boat) only the highest policy

deductible will apply when the loss to that policy exceeds the deductible. All other policy deductibles will be waived.

Coverage availability may vary by state.

Platinum Auto

Platinum Home

Platinum Auto Elite

A comprehensive optional endorsement

for increased protection:

• Pet Injury Protection

• Rental Car Coverage

• Trip Interruption

• Rental Coverage Upgrade

• Home Care Services

• Accidental Airbag Deployment

• Accidental Death Beneﬁt

Platinum Select

Customer’s base home policy

• 125% Extended Dwelling

Replacement Cost

• Personal Property Replacement Cost

• Personal Belongings 75% of Coverage A

• Refrigerated Products

• Lock Replacement

• Siding and/or Roof Restoration Coverage

• Waiver of Deductible**

• Mortgage Extra Expense

• Fire Extinguisher Replacement/Recharge

Platinum Select Plus

Customers can upgrade and receive

higher limits and more features.

Includes Select coverages and:

• 150% Extended Dwelling

Replacement Cost

• $5,000 Water Back up

• Personal Injury

• Identity Protection Program

These optional endorsements can be

added to any Platinum Home package:

• Guaranteed Replacement Cost

• Assisted Living Care Coverage

• Equipment Breakdown

• Valuable Items Plus (VIP)

• Scheduled Items

• Guaranteed Replacement Cost Plus

(which includes a cash settlement option)

• Travel Right

• Rental Upgrade

• Home Care Services

• Reassurance Plus

• Roadside Assistance

• Extended Non-Owned

• Full/Preferred

Glass Coverage

Platinum Select Premium

Our highest package level includes all

the features of the lower levels plus:

• 150% Extended Dwelling

Replacement Cost

• $10,000 Water Back up

• Personal Injury

• Identity Protection Program

• Revised Deductible — large loss

• Loss of Use 50% of Coverage A

Additional optional endorsements that you can add

à la carte to a Platinum Auto policy include:

Platinum Auto Advantage

A bundled optional endorsement

that adds real value!

Includes:

• Second Chance Accident Forgiveness

• Deductible Dividends

• New Car Replacement Guard

• Newer Car Replacement

Platinum Auto Essential

Customer’s base auto policy

Includes:

• Waiver of Deductible**

• Child Passenger Restraint System

Replacement

• OEM Parts

• Mechanical Parts Replacement

• Ultimate Rental

• Vehicle Key Replacement Coverage

Proprietary material of The Hanover Insurance Group, Inc.

Prestige Auto

Customers with liability limits starting at $250,000/

$500,000 or Combined Single Limit Liability of

$500,000 or higher, can choose our Prestige Auto

bundle and benefit from the following features:

• Prestige Global Rental Coverage* — Provides

worldwide rental coverage including loss of use

and diminished value for the rented vehicle

• Prestige Rental Upgrade — Provides up to $6,000

in rental car coverage with no daily limit, rental

car coverage for loss of use and diminished value,

and gives the customer an upgrade to a luxury car

or large SUV

• Prestige Travel Companion — provides coverage for

$250 for towing and roadside coverage, $1,000 for

Trip Interruption in case the insured vehicle becomes

inoperable due to accident/mechanical/electrical

breakdown, and $2,500 for Pet Injury protection when

the family dog(s) or cat(s) are injured in an accident.

• Prestige Lifetime OEM — OEM (Original Equipment

Manufacturer) parts and Mechanical Parts will be

used as long as they are available, regardless of

model year

• Prestige New Car Extender — In the event of a

total loss, provides full replacement cost for vehicles

in their first three model years. Vehicles older than

three model years will receive the actual cash value

of a vehicle one model year newer.

* Customers can tailor their Prestige Auto policy by adding or removing features,

with the exception of Prestige Global Rental, which is a foundational feature

to the Prestige Auto bundle.

Prestige Home

Well suited for customers whose home replacement

cost values are between $750,000 and $2,000,000,

Prestige Home includes the following:

• Guaranteed Replacement Cost Plus (which includes

a Cash Settlement option)

• Other Structures on Property — 10% of Coverage

A with option to buy down to 5%

• Personal Belongings — 50% of Coverage A

with the flexibility to increase or decrease

coverage from 30% –100% of Coverage A

• Loss of Use — Actual loss sustained

• Jewelry, watches & furs — $10,000 (no per item limit)

• Increased Debris Removal, tree removal,

and loss assessment

• Refrigerated Products — $5,000

• Water Back up — $25,000 with new options

of $100,000, $150,000, $200,000, $250,000

and Coverage A

• Valuable Items Plus offering blanket limits to $100k

(for jewelry and fine arts)

Prestige Claims Experience — Our team of claims experts understand the unique needs of the emerging affluent

clientele, offering empathetic support while providing hassle-free service. Prestige customers receive a personal

touch which includes multiple options to report a claim 24/7, direct access to a claims manager and emails that keep

them up to date on their claim status. Customers can also expedite the claims process using our Hanover SNAP app

for small auto claims or ClaimXperience video conferencing for home claims. What’s more, we have expanded the

role of our Regional Claim Directors to act as liaisons that assist your agency in managing complex claims, end to end.

Coming Soon — New Watercraft and Dwelling Fire automated entry products!

Our Hanover Prestige product offers an excellent selection of coverages, well suited for the needs

of your emerging affluent customers. Well designed with both home and auto in mind, Prestige

can be added to your customer’s Platinum or Connections policy, and customized with a suite

of optional coverages.

Agreed Value —Ideal for antique and high value cars,

this coverage will insure the vehicle on an agreed upon

value. At the time of loss, we pay the full insured value

without depreciation.

hanover.com/personalinsurance

The Agency Place (TAP)—https://tap.hanover.com

The Hanover is the marketing name for the property-casualty and general insurance operations of The Hanover Insurance Group, Inc. All products are underwritten by The Hanover Insurance

Company, Citizens Insurance Company of America or one of their insurance company subsidiaries or afﬁliates. Coverage may not be available in all jurisdictions and is subject to the company

underwriting guidelines and the issued policy. This material is provided for informational purposes only and does not provide any coverage. For more information about The Hanover visit our

website at www.hanover.com.

The Hanover Insurance Company

440 Lincoln Street, Worcester, MA 01653

Citizens Insurance Company of America

808 North Highlander Way, Howell, MI 48843

HANOVER PLATINUM PROTECTION

112-3397PA (12/16) LC 2016-417

Why The Hanover?

The Hanover is a leading Property and Casualty insurance company dedicated to achieving world-class

performance. Our commitment is to deliver the products, services, and technology of the best national

companies with the responsiveness, market focus, and local decision making of the best regional companies.

This powerful combination has been a proven success since our founding in 1852, and is backed by our

financial strength rating of “A” (Excellent) from A.M. Best.