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Plymouth Rock Assurance Home Insurance Review: Is it the right choice for you? (2021)

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Amy Beardsley

By: Amy Beardsley

Edited by John Leach

Last Updated August 5, 2022

Plymouth Rock Assurance homeowners insurance could be your future home insurance company.

Every homeowner has unique needs when it comes to their insurance policy. Insurify can help you decide if this is the right insurance company for you.

Headquartered in Boston, Plymouth Rock Assurance is a home insurance company. It has impressive coverage options and discounts. It’s a smaller insurance provider, and policies are only available in the Northeast:

  • Connecticut

  • Massachusetts

  • New Hampshire

  • New Jersey

  • New York

  • Pennsylvania

Homeowners in those six states can take advantage of the many benefits Plymouth has to offer, including exceptional customer service. Plymouth Rock has custom coverage options that fit your needs. To know if it’s right for you, you’ll want to research coverage types and quotes from multiple.

But who has time for that? Luckily, Insurify gives you rate quotes in seconds, with no credit card required. It’s never been easier to compare home insurance options and get the protection you need for your home.

Plymouth Rock Home Insurance Coverages

According to its website, Plymouth Rock offers property insurance across these dwelling situations and insurance needs:

Homeowners Insurance

If your home is involved in a disaster or accident, homeowners insurance provides you with financial protection. A standard homeowners insurance policy from Plymouth Rock can cover your property and belongings. It can also include liability coverage for any injuries and property damage you may cause to others.

Renters Insurance

Like homeowners insurance, renters insurance provides property and liability protection if you’re renting your living space. The home or building insurance policy your landlord has won’t cover your personal property. But renters insurance protects you from theft, fire, and other unfortunate events.

Condo Insurance

Condo insurance requires two different policies. The building management obtains a master policy that covers the structure and common areas you share with other condo owners. But it does not protect what’s inside your unit. You need an individual condo insurance policy to protect your kitchen cabinets, appliances, personal belongings, fixtures, and items in your condo.

Flood Insurance

Did you know that homeowners insurance doesn’t cover damage from floods? Adding private flood insurance can protect your home and its contents if flooding occurs. Contact your local insurance agent for more information or to add it to your policy.

Umbrella Insurance

Umbrella insurance isn’t a stand-alone policy. It’s supplemental coverage that can increase your liability limits. You might add umbrella coverage to your existing Plymouth Rock policy for additional protection from lawsuits. It can be an essential coverage option in the right circumstance, such as if you own a dog or a pool.

Components of a Plymouth Rock Home Insurance Policy

Policyholders expect certain types of coverage with their homeowners policies. Most insurers offer similar components, though the specific options can vary according to your needs.

  • Dwelling Coverage: insurance protection for your home’s structure, including the roof

  • Other Structures: structures that aren’t attached to your home, such as an unattached garage or shed

  • Personal Possessions: your furniture, electronics, and other personal belongings

  • Loss of Use: insurance to cover alternative living accommodations if you can’t live in your home because of damage

  • Personal Liability: legal expenses coverage if someone sues you after being injured in your home or if you’re responsible for damage to someone else’s property

  • Medical Payments: pays for your guest’s hospital bills and required medical treatment if they get injured

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Optional Coverages from Plymouth Rock Home Insurance Company

When you get a quote from a Plymouth Rock insurance agent, consider optional coverages to increase your protection. Any add-ons you choose will increase your insurance rate. However, you don’t want to forgo necessary coverage for any reasonable threat. Covering the cost of property damage out-of-pocket is very expensive and could bankrupt you.

Utility Service Line Coverage

Underground pipes and lines bring essential services into your home. If a utility service has a physical failure of underground pipes or lines, utility service line coverage can protect you.

Home Systems Breakdown Coverage

Home systems are responsible for providing the comforts of day-to-day living. But what happens if your furnace goes out or your oven quits working? Adding home systems breakdown coverage to your Plymouth Rock policy.

Home Cyber Coverage

Home cyber coverage protects you against online fraud, attacks, and cyber extortion. However, this additional policy option isn’t available for homeowners in New York.

Identity Theft Monitoring

Identity theft is on the rise, but Plymouth Rock has you covered. If you add identity theft monitoring protection, you’ll get help through CyberScout if your personal data or identity is stolen.

Pet Coverage

Plymouth Rock partners with Figo to offer pet insurance. It can protect you from high costs that often accompany your furry companion’s unexpected injuries and illnesses.

Available Discounts

One of the perks of going with Plymouth Rock is the discounts available to you. The company has automatic discounts and additional ways to save money on your homeowners insurance:

  • Age-of-Home Discount: Newer homes get more significant savings.

  • Advanced Quote Discount: Shopping ahead can pay off. Get a discount if you get your quote more than seven days before you want coverage to start.

  • Claims-Free Discount: Save on your policy if you go five years without filing a claim.

  • New Customer Discount: Get this discount for being a new customer.

  • Superior Constructed Home Discount: Get lower premiums if your home was built from solid and fire-resistant materials.

  • Companion Policy Discount: Get a bundling discount when you combine your homeowners, condo, or renters insurance with your Plymouth Rock car insurance policy.

  • Fire Protection Discount: Automatic sprinklers, a central fire monitoring system, and other qualifying devices can get you lower insurance rates.

  • Security Protection Discount: Get a rate deduction if your home has a central security monitoring system.

  • Affinity Discount: You could pay less for your homeowners policy if you’re a member of specific associations or groups.

  • eDocuments Discount: Knock $25 off your premium when you opt to get policy and billing statements electronically.

  • Connected Home Discount: Have an internet-connected device to monitor theft, fire, or water damage? It could get you a lower price on a policy from Plymouth Rock.

Bundling Home and Auto Insurance

You may know Plymouth better as a car insurance company. Many customers choose to take advantage of Plymouth’s Companion Policy Discount by bundling their home and car insurance. Plymouth car insurance has several perks, including the Get Home Safe program that offers a one-time, one-way rideshare reimbursement if you find yourself unable to safely drive yourself home. Reimbursement is up to $50. You can also access Plymouth’s roadside assistance program.

Your Plymouth car insurance also comes with a unique set of discounts to help you lower your rate further. This includes:

  • Paid in full

  • Good student

  • Anti-theft devices

  • Advanced quote

  • Motor club

The discounts available to you depend on your state of residence.

Plymouth Rock Home Insurance Reviews: Customer Satisfaction

It’s important to know what kind of customer service is available before starting with an insurance company. That way, you can be confident that you’ll get the help you need if you have questions about your policy or when you file a claim.

On Trustpilot, the company has only one customer review, and it’s negative. The reviewer states it’s “an experience of someone I know in N.J.,” so there’s no guarantee the claim is valid.

The company has mixed reviews on Yelp. Customers are pleased with the discounts available, and some say switching to Plymouth Rock saved them a few hundred dollars a year.

However, others were unhappy with the level of customer service they received from their Plymouth Rock insurance agent.

Even so, Plymouth is a leader in customer satisfaction within the insurance industry. And, Plymouth has reliable reviews regarding their financial strength and from the Better Business Bureau ( BBB ):

  • J.D. Power Customer Satisfaction Rating: Below Average

  • A.M. Best Rating: Excellent

  • Moody’s Financial Strength Rating: N/A

  • Better Business Bureau Rating: A+

  • NAIC Customer Complaint Index: 0

The National Association of Insurance Commissioners (NAIC) methodology for calculating the complaint index is to divide the market share of complaints by the market share of premiums written. The lower the number, the better. A score of zero means there weren’t enough complaints to count.

Plymouth Rock Claims Process

If you’ve suffered a covered loss, it’s time to make a claim. Luckily the claims service process is pretty easy. You can do so by calling customer service or going online to PlymouthRock.com. Once your claim is submitted, you will be assigned an adjuster. The adjuster will visit your home to assess the damage.

Once the adjuster submits their findings, you will receive compensation for your claim. That means you receive reimbursement or a check for damages, minus your deductible and up to your coverage limits.

The best way to save on home insurance

Want to know how low your policy can go? Get a real quote or two, or several, with Insurify today.

Plymouth Rock Insurance Overview

Plymouth Rock Assurance was founded in 1982 by Jim Stone, a former insurance commissioner for the Commonwealth of Massachusetts. It offers multiple policy options to customize your homeowners insurance coverage. You can get a home insurance quote online or by phone. Be sure to ask about discounts that you may qualify for to lower your insurance premiums.

In addition to an excellent call center, you can also access your account through a website and mobile app.

Plymouth Rock Home Insurance Contact Information

DepartmentContact
Customer service phone number1 (855) 993-4470
Claims service phone number1 (844) 346-1225
Websitewww.plymouthrock.com

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Amy Beardsley
Amy Beardsley
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Insurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

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