Plymouth Rock homeowners insurance review

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The details

The good

Affordable premiums. Plymouth Rock home insurance premiums are cheaper than the national average, according to Policygenius user data.

Plenty of discounts. On top of fair pricing, you can save even more money through a variety of available discounts. Buying a new home, installing smart home monitoring devices, using fire-resistant building materials, and simply being a new customer will earn you some savings.

Offers guaranteed replacement cost coverage. An uncommon and valuable policy feature, guaranteed replacement cost pays you for the total repair of your home, regardless of the rebuild amount. With this coverage enhancement, you won’t have to worry about being underinsured.

Easy policy management and claims reporting. Plymouth Rock makes it easy to manage your policy and any claims you make. If you want to change your address or payment plans, report and monitor claims, take pictures of damage, or simply view account details, you can do so online or through the mobile app.

The bad

Only available in six states. You’ll need to live in Connecticut, New Hampshire, New Jersey, New York, Massachusetts, or Pennsylvania to be eligible  for a policy with Plymouth Rock.

Not much in the way of additional services. Plymouth Rock doesn’t offer a dedicated catastrophe claims center or repair program to make it easier to repair or rebuild your home after you file a claim.

With Plymouth Rock, you can expect to pay $1,165 annually for homeowners insurance, slightly below the national average of $1,249 per the National Association of Insurance Commissioners. Many carriers we review score above the national average, so this is a real win for Plymouth Rock.

Discounts

Plymouth Rock offers several discounts to help you save on premiums, including: 

• Advanced quote discount. Receive a discount if you get a home insurance quote more than seven days before your coverage starts.

• Claim-free discount. Save on your premium if you've gone five years without a claim.

• Dwelling age discount. Save money if you live in a newer home.

• New customer discount. Get a discount simply for choosing Plymouth Rock for your home insurance.

• Superior constructed home discount. If your home was built using strong, fire-resistant materials, you’ll get an automatic discount.

• Affinity discount. Save if you're a member of a Plymouth Rock partner association, like Alfred State College or Prudential.

• eDocuments discount. Save if you choose to receive policy and billing information electronically.

• Multi-policy discount. Bundle your homeowners, condo, or renters policy with a Plymouth Rock auto policy to save.

• Fire protection discount. If your home has a fire monitoring system, automatic sprinklers or other devices installed, you’ll get a discount.

• Security protection discount. If you have a security system like ADT or SimpliSafe installed, you could save on your premium.

• Smart home discount. Save more if your home has internet-connected devices installed that protect you from theft, fire, or water damage.

Founded in Boston in 1982, Plymouth Rock has an excellent rating from top credit rating agency A.M. Best. Unfortunately, that's the only score available thus far. Still, we’re sticking with it as the basis of our rating for this category.

• A.M. Best: A-

• Moody’s: N/A

• Standard & Poor’s: N/A

Credit rating firm A.M. Best, which specifically focuses on the insurance industry, gives Plymouth Rock an A-. This is an “excellent” rating and simply means Plymouth Rock is capable of paying out claims.

Moody's is very similar to Standard & Poors, except rather than measuring a company's ability to remain financially stable and creditworthy, Moody's measures what the expected losses would be if a company were to go into default. It's particularly valuable in analyzing the value of stocks and bonds with certain companies. An AAA rating is the highest possible score you can receive from Moody's. Moody's has not scored Plymouth Rock yet.

Standard & Poor's measures companies' creditworthiness and is used primarily by financial investors and other market stakeholders. S&P is also valuable in measuring the long-term financial stability of insurance companies. An AAA rating is the highest issuer credit rating assigned by S&P. S&P has not scored Plymouth Rock yet.

Plymouth Rock doesn’t have too many third-party reviews, but those it does have are pretty good. Consumers Advocate gives it high marks, and the National Association of Insurance Commissioners complaint index is a perfect score.

• Consumer Affairs: N/A

• Consumers Advocate: 3.9 / 5

• Trustpilot: N/A

• NAIC complaint index: 0

Consumer Affairs is a platform that lets consumers directly rate customers. Consumer Affairs hasn’t rated Plymouth Rock yet. The third-party review site Consumers Advocate focuses on a company’s reputation, coverage options, customer service, and stability. It rated Plymouth Rock a 3.9 out of 5.

Customer review site Trustpilot has a page for Plymouth Rock, but not its homeowners insurance product specifically. Plus, the page it does have only has two reviews on the site, one of which is anecdotal.

The National Association of Insurance Commissioners (NAIC) tracks complaints submitted to state insurance departments. Based on their complaint index,  a score of 1 represents the baseline average, and a 0 means there weren’t enough customer complaints to count. Plymouth Rock’s homeowners insurance has a 0 rating.

Plymouth Rock offers the standard protections you’d expect from homeowners insurance, including a typical HO-3 policy. Those coverages include:

• Dwelling coverage. This covers the cost to rebuild or repair your home in the case of a covered incident.

• Other structures coverage. If you have a shed in your backyard or a detached garage, this coverage ensures their repair and replacement after a covered incident.

• Personal property coverage. Extensive coverage of personal property and belongings for protection against fire, theft, and other losses.

• Additional living expenses. If you have to stay elsewhere while your home is being repaired, this covers the cost of things like lodging, food, and travel.

• Personal liability coverage. If someone gets hurt or a visitor’s property is damaged while on your property, this will pay for medical and legal expenses.

• Medical expenses. If a guest is injured at your home and requires medical attention, this covers their medical bills — regardless of who is at fault

Plymouth Rock also offers several coverage add-ons, although availability may vary by state. Some optional add-ons — like guaranteed replacement cost, utility service line coverage, and equipment breakdown coverage — are top-tier features that aren’t offered by many companies.

Guaranteed replacement cost in particular is worth the extra expense because it will pay whatever it costs to rebuild your house, regardless of your coverage limits. This means you don’t have to worry about being underinsured.

Here are the optional add-ons from Plymouth Rock:

• Guaranteed replacement cost. Recommended for disaster-prone areas, Plymouth Rock will pay the full reconstruction costs for your home — regardless of your  coverage limits.

• Scheduled property. If you have valuable items, like jewelry or fine art, adding this protection will increase their coverage limits by a certain percentage..

• Water backup coverage. In case of a backed up drain or sump pump, this will help pay for any water damage.

• Pet coverage. Covers veterinary care in the event your pet is injured.

• Cyber coverage. If your computer or smart home system gets hacked, or you become the victim of online extortion or fraud, this will cover the costs for any necessary data recovery and system restoration. This coverage is not available in New York.

• Home systems coverage. Reimburses you if your air-conditioning, furnace, stove, or other appliances suffer an electrical or mechanical breakdown.

• Identity theft coverage. In the event you’re a victim of personal data or identity theft, this coverage covers the cost of a personal identity recovery assistant, identity monitoring services, and any expenses incurred while resolving the case. This will not reimburse you for money that was stolen.

• Utility service line coverage. Reimburses you for excavation and repairs if underground service pipes or utility lines that run to your house are damaged.

• Credit card coverage. Helps you get your finances back in order if there’s been fraudulent spending on your credit cards.

• Green rebuild coverage. If you’re looking to add environmentally friendly fixtures to your home during a rebuild, this coverage can help with the added costs.

Although it is a small company, Plymouth Rock offers plenty of convenient ways to manage your policy. Besides managing your policy online, they have a mobile app where you can view policy information, pay bills, sign up for an automated monthly payment plan, change an address and even handle claims. You can report claims, schedule inspections, take and submit pictures of damage, and view claim information. You can also find local repair shops via the smartphone app.

State availability

Only people living in Connecticut, New Hampshire, New Jersey, New York, Massachusetts, and Pennsylvania can apply for homeowners insurance with Plymouth Rock.

Digital tools

• Online quote tool and application

• Online and mobile bill pay and policy management

• Online and mobile claims filing

• Live chat

• FAQ and blog resources

Ease of claims

You can file a claim online, by calling customer service, or by reporting a claim via the mobile app.

Payment methods

• Check

• Debit or credit card

• Online

• Mobile payment via smartphone app

Policygenius offers insurance policies from many of the nation's top insurers, who pay us a commission for our services. However, all editorial choices are made independently.