Hanover Insurance Homeowners vs. Guardian Level Term
Side-by-side comparison · Updated 2026 · Independently reviewed
Hanover Insurance Homeowners
Hanover Insurance
4.0
Agent-only. Excellent for older homes. Guaranteed replacement cost. A AM Best.
Full review →Guardian Level Term
Guardian Life
4.4
Level term with strong disability rider options. Mutual insurer focus on protection.
Full review →WealthSpott Verdict
Hanover Insurance Homeowners and Guardian Level Term are closely matched. Get quotes from both — insurance premiums vary significantly by location, coverage level, and personal risk factors.
Feature
Hanover Insurance Homeowners
Guardian Level Term
WealthSpott Rating
4.0 / 5
4.4 / 5 Best
Coverage Type
Home Insurance
Life Insurance
Avg Annual Premium
~$1,860/yr Best
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AM Best Rating
A
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J.D. Power Score
—
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Mobile App Rating
—
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Hanover Insurance Homeowners
Guardian Level Term
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