Plymouth Rock Homeowners Insurance Review

At Policygenius, we're committed to providing objective and transparent advice through strict editorial standards to help you get insurance right. Read more about our methodology.

The Bottom Line

With only six states under its purview, Plymouth Rock’s reach is fairly limited. But if you happen to live in one of those states, you should consider Plymouth Rock for its affordability, comprehensive base policy, and optional coverage enhancements. There are a few valuable add-ons you can apply to any policy, such as guaranteed replacement cost, service line coverage, and equipment breakdown coverage. On top of that, claim filing and policy management is made super easy thanks to a robust website and smartphone app.

The Details

The Good

Affordable policy cost. Plymouth Rock insurance premiums are cheaper than the national average, according to Policygenius user data. If you live in one of the six states where Plymouth Rock homeowners insurance is available, you won’t have to break the bank.

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 claim settlements. 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

Available in a few states. Only shoppers who live in one of six states, including Connecticut, New Hampshire, New Jersey, New York, Massachusetts, and Pennsylvania, are eligible to apply for a policy with Plymouth Rock. You’ll have to choose another homeowners insurance carrier if you live elsewhere.

Not much in the way of additional services. Some additional claims services are unavailable through Plymouth Rock. There’s no dedicated catastrophe claims center, nor are there any repair program offerings.

The Breakdown

The price of homeowners insurance is primarily impacted by the year your home was built, its construction type, your state and ZIP code, any unique risks related to your home, and more. Your coverage amounts — such as your home’s replacement value — will also affect your policy cost.

With Plymouth Rock, you can expect to pay $1,165 annually for around $300,000 of coverage, slightly below the national average for that coverage amount, according to Policygenius user data.

Discounts

Plymouth Rock offers several useful discounts. Some are eligible for everybody, such as the new customer discount, which takes effect immediately. Others require certain criteria to meet, like having fire extinguishers or smart home appliances installed in your home. There’s a multi-policy discount as well, for shoppers who decide to bundle their homeowners policy with auto insurance.

• 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 without a claim for five years

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

• New customer discount. Get a discount 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

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

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

• 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.

• Year founded: 1982

• 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-, which is an “excellent” rating, and simply means Plymouth Rock is capable of paying out claims.

Financial analysis firms Moody’s and Standard & Poor’s, have not scored Plymouth Rock.

Alongside the objective ratings of professional industry watchdogs, it’s important to know what actual customers and third-party review sites say about homeowners insurance carriers.

Unfortunately, there aren’t that many customer sentiments about Plymouth Rock out there. J.D. Power did not include them in their latest survey, and there are no Consumer Affairs and Trustpilot pages for the company either.

Here’s what we got so far:

• BBB: A+

• Consumers Advocate: 3.9 / 5

• Consumer Affairs: N/A

• J.D. Power: N/A

• Trustpilot: N/A

• NAIC complaint index: 0

The Better Business Bureau grades companies based on customer complaints and truth in advertising and. Plymouth Rock receives an A+ from the BBB.

The third-party review site Consumers Advocate focuses on a company’s reputation, coverage options, customer service, and stability. They rate Plymouth Rock a 3.9 out of 5.

Consumer Affairs lets customers rate companies and write reviews. They don’t have a page available for Plymouth Rock’s homeowners insurance, though they have one for auto.

J.D. Power ranks insurance companies based on billing and policy information, and pricing. They did not include Plymouth Rock in their latest homeowners insurance study.

Customer review site Trustpilot does not have a page for Plymouth Rock’s homeowners Insurance.

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

Plymouth Rock offers the standard protections you’d expect from homeowners insurance, including dwelling coverage that covers home rebuild or repair costs after a loss, coverage for personal property including jewelry and other valuables, additional living expenses that pays for a hotel stay in case your home becomes unlivable, and personal liability that covers legal costs for personal injury or property damage. Plymouth Rock also offers condo and renters insurance, as well as coverage for second homes. The exact policy options available will vary by state.

Plymouth Rock also offers several valuable coverage add-ons, although availability may vary from state to 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, so 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 whatever the full reconstruction costs for your home no matter the coverage amount

• Home sharing coverage. This will protect against any property or liability losses if you rent out your home through a home-sharing firm like Airbnb or Homeaway

• 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

• Sinkhole coverage. Covers sinkhole damage to your home, property or belongings

• 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

The above policy options will vary based on your state and other factors. For a personalized peek at your coverage options, talk to a Policygenius home insurance agent.

For more information about what homeowners insurance can cover, refer to our comprehensive homeowners insurance explainer.

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 policies with Plymouth Rock.

Digital tools

• Online and mobile bill pay and policy management

• Online and mobile claims filing

• Mobile app

The application

To apply or receive an estimation you need to contact a Policygenius agent or call Plymouth Rock’s customer service.

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.