Plymouth Rock home insurance review: A+ coverage add-ons

Plymouth Rock home insurance comes with cheap rates, 11 discount opportunities, and over 10 coverage add-ons for homeowners in six states in the Northeast.

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By

Jennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

Reviewed by

Ian Bloom, CFP®, RLP®Ian Bloom, CFP®, RLP®Certified Financial PlannerIan Bloom, CFP®, RLP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, he was a financial advisor at MetLife and MassMutual.

Updated

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Plymouth Rock

Plymouth Rock logo

Policygenius rating

Our proprietary ratings methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the “Ratings methodology” section for more details.
Full orange starFull orange starFull orange starFull orange starHalf orange star

4.3

AM Best rating

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A-

Cost

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

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The bottom line

Plymouth Rock Assurance home insurance is ideal for homeowners in the Northeast looking for cheap rates and lots of coverage add-ons. It offers affordable home insurance in the six states it’s available in — Connecticut, New Hampshire, New Jersey, New York, Massachusetts, and Pennsylvania — as well as lots of valuable policy add-ons, including guaranteed replacement cost coverage for your home, water backup and home systems protection, and private flood insurance through its partnership with Neptune Flood. 

Pros

  • Cheap rates that are around 60% lower than the national average

  • Guaranteed replacement cost coverage for your home available

  • Offer private flood insurance with up to $2 million in coverage through its partnership with Neptune Flood

Cons

  • Doesn’t offer replacement value coverage for your personal belongings

  • Only available in six states throughout the Northeast

Basic coverages offered

Plymouth Rock home insurance policies include these six standard coverages to protect your home, belongings, and personal liability:

  • Dwelling coverage: Pays to repair or rebuild the structure of your home after a covered loss.

  • Other structures coverage: Pays to repair or rebuild other structures on your property not connected to your home, including detached garages, storage sheds, and fencing.

  • Personal property coverage: Pays to repair or replace your personal belongings after a covered loss, including furniture, clothing, tech gadgets, and other stuff you own.

  • Loss of use coverage: Pays for hotel stays, restaurant bills, pet boarding fees, and other temporary living expenses after a covered loss if you need to live elsewhere while your home is being rebuilt.

  • Personal liability coverage: Pays for legal and medical expenses if someone is injured or their belongings are damaged while at your home and you’re found legally responsible.

  • Medical payments coverage: Pays for small-dollar medical bills if someone is injured while at your home — regardless of who is at fault.

Additional coverages offered

The following coverages are either included or can be added to your Plymouth Rock homeowners insurance policy for an additional cost: 

  • Guaranteed replacement cost for your home: Pays the full cost to rebuild your home after a covered loss — regardless of your coverage limits.

  • Scheduled personal property: Offers increased coverage limits for specific valuables, like jewelry, sports equipment, and fine artwork.

  • Water backup: Protects your home and belongings from water backup damage caused by a sump pump overflowing or clogged sewer.

  • Home systems breakdown: Covers your air conditioning system, water heater, and other home systems that are damaged due to mechanical or electrical breakdown.

  • Utility service line: Pays to repair water pipes, power lines, and other utility lines that run through your property if they’re damaged by a covered loss. 

  • Credit card coverage: Offers coverage if your credit cards are stolen and used fraudulently.

  • Identity protection: Pays for expenses that come with recovering your identity, as well as credit monitoring services after the loss.

  • Home cyber: Protects you from cyber attacks, extortion, online fraud, data breaches, and cyber bullying.

  • Home-sharing: Protects your home from damage by covered perils as well as liability incidents if your home is rented out for a certain period of time.

  • Flood insurance: Offers up to $2 million in private flood insurance coverage through its partnership with Neptune Flood.

  • Condo insurance: Purchased as a supplement to your condo association’s master policy, condo insurance covers your personal belongings, the interior structure of your condo unit, and personal liability.

  • Renters insurance: Includes coverage for the personal belongings in your rental home or apartment against fire, vandalism, theft, windstorms, and water damage, as well as personal liability and loss of use coverage.

  • Personal umbrella insurance: Provides up to $5 million in  additional liability protection for expensive medical or legal bills you’re found legally responsible for.

Ratings methodology

Price

5.0/5

Plymouth Rock Assurance is one of only two insurance companies in our analysis to earn a perfect score on our price rating scale thanks to its average annual home insurance rate that’s around 60% cheaper than the national average. It also offers 10+ discount opportunities to save even more on your premiums.

Customer experience

4.1/5

Plymouth Rock wasn’t included in J.D. Power’s 2022 overall customer satisfaction, claims satisfaction, or digital experience surveys since it’s a regional insurance company with limited reach. This means its customer experience score is based solely on the National Association of Insurance Commissioners (NAIC) Complaint Index Report. In 2021, Plymouth Rock had around 55% fewer complaints than similar insurance companies of its size.

Coverage options

3.5/5

Plymouth Rock earns an above-average score on our coverage options rating scale thanks to the slew of coverages you can add on to your policy, including guaranteed replacement cost coverage for your home, water backup and home systems protection, and private flood insurance through its partnership with Neptune Flood.

Financial strength

3.0/5

Founded in 1982, Plymouth Rock Assurance is still a relatively new insurance company so it doesn't yet have ratings with credit agencies Standard & Poor’s or Moody's. This means its financial strength rating is based solely on its A- score with leading insurance rating agency AM Best.

How much does Plymouth Rock home insurance cost?

The average cost of home insurance with Plymouth Rock is $1,002 per year for $300,000 in dwelling coverage — that’s 62% lower than the national average.

Here’s a look at the average annual cost for Plymouth Rock home insurance based on different dwelling coverage limits:

Dwelling coverage limit

Average annual cost

$100,000

$539

$200,000

$725

$300,000

$1,002

$400,000

$1,315

$500,000

$1,688

Rates are based on our analysis of 2022 sample home insurance quotes from across the country provided by Quadrant Information Services. Actual rates will vary based on location, policy limits, coverages, claims history, and other factors.

Compare home insurance quotes from Plymouth Rock and other top insurers

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What discounts does Plymouth Rock offer?

You can save on the cost of Plymouth Rock Assurance home insurance if you qualify for any of these discounts:

  • Multi-policy: If you bundle your home insurance with a Plymouth Rock auto insurance policy, you could save up to 25%.

  • New customer: If you’re new to Plymouth Rock home insurance.

  • Age of home: The newer your home, the larger the discount.

  • Claims-free: If you’ve gone five years without filing a home insurance claim.

  • Advanced quote: If you get a home insurance quote more than seven days before your coverage starts.

  • Connected home: If you have a smart home system that protects you from theft, fire, or water damage.

  • Affinity: If you’re a member, employee, or retiree of an eligible business or professional association.

  • Fire protection: If you have a central fire monitoring system, automatic sprinklers, or other qualifying devices.

  • E-documents: If you sign up to receive your policy and documents electronically.

  • Security protection: If your home is equipped with a central security monitoring system like ADT or SimpliSafe.

  • Non-smoker: If no one who lives in your home smokes.

Plymouth Rock home insurance state availability

Plymouth Rock Assurance only offers home insurance policies in six states throughout the Northeast: Connecticut, New Hampshire, New Jersey, New York, Massachusetts, and Pennsylvania.

What to expect with Plymouth Rock home insurance

  • How to get a quote: You can get a Plymouth Rock home insurance quote online through Policygenius or Plymouth Rock’s website, by calling 833-857-5848, or by visiting a local agent in person.

  • Customer service options: You can get in touch with a Plymouth Rock customer service rep by calling 844-208-1935 or emailing propertyservicing@plymouthrock.com

  • How to file a claim: You can file a Plymouth Rock home insurance claim by calling 800-437-5556, emailing homeclaimssupport@plymouthrock.com, or logging in to your Plymouth Rock online account.

  • How to cancel your policy: You can cancel your Plymouth Rock home insurance policy by calling your Plymouth Rock agent directly — their contact info should be on your policy declarations page.

Plymouth Rock Assurance in the news

  • In December 2022, Plymouth Rock Assurance released results from its post-pandemic home insurance policyholder survey that found 63% of homeowners surveyed know more about what’s included in their current insurance policy than they did before the pandemic. (InsuranceNewsNet)

  • In July 2022, Plymouth Rock Assurance launched a Boston sports ad campaign that includes special perks for policyholders, such as savings on Boston sports tickets and gear, concert pre-sales, behind-the-scenes fan experiences, and more. (Business Wire)

Plymouth Rock vs. other home insurance companies

Compare Plymouth Rock Assurance home insurance to other popular insurers in the industry:

Company

Policygenius rating

AM Best rating

Cost

Plymouth Rock

4.3/5

A-

$

Auto-Owners Insurance

5.0/5

A++

$$$$$

Auto-Owners Insurance

5.0/5

A++

$$$

NJM Insurance

5.0/5

A+

$

NYCM Insurance

5.0/5

A+

$

NYCM Insurance

5.0/5

A+

$

National General

5.0/5

A+

$$

The Andover Companies

4.9/5

A

$$

MAPFRE Insurance

4.8/5

A

$$

Narragansett Bay

4.7/5

NA

$$

Safety Insurance

4.7/5

A

$$

Arbella Insurance

4.6/5

A

$$

SageSure

4.4/5

A-

NA

The Hanover

4.3/5

A

$$$$

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Frequently asked questions

What is the Plymouth Rock home insurance phone number?

The Plymouth Rock home insurance phone number is 844-208-1935.

Is Plymouth Rock good insurance?

Plymouth Rock is good insurance if you’re looking for cheap rates and live in one of the six Northeast states it offers home insurance coverage in.

Is Plymouth Rock part of Progressive?

Plymouth Rock is one of Progressive’s partner insurance companies. This means if you sign up for a home insurance quote on Progressive’s website, you may be connected to a home insurance policy with Plymouth Rock.

Author

Jennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

Expert reviewer

Ian Bloom, CFP®, RLP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, he was a financial advisor at MetLife and MassMutual.

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