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Homeowners searching for peace of mind about protecting their most valuable asset should consider a home insurance policy. This type of coverage safeguards your home and personal belongings from unexpected events like theft and vandalism, as well as disasters like fire or hail storms. Without a homeowners insurance policy, you could pay thousands out of pocket to repair the damage or rebuild your home.
Choosing the right provider can be challenging because not all homeowners insurance companies are the same. They can differ in terms of coverage, availability, quality of customer service, additional benefits, and more. The This Old House Reviews Team has created this comprehensive Plymouth Rock home insurance review to help you discover if the company is the best fit for your home’s needs.
Table of Contents
- Our Take
- Pros & Cons
- Coverage
- Availability
- How Much Does Plymouth Rock Home Insurance Cost?
- Reviews of Plymouth Rock Insurance
- Plymouth Rock vs. The Competition
- Our Conclusion
- Frequently Asked Questions
Our Take
Plymouth Rock offers robust home insurance coverage, with valuable add-on options including home-sharing for Airbnb hosts, as well as several useful discounts. The online quote tool is efficient and speedy, and it gives you details on all three different tiers of coverage. Unfortunately, the costs are higher than what many competitors offer, and Plymouth Rock is only available in six states. Overall, we give Plymouth Rock home insurance a score of 87 out of 100 on metrics like coverage, availability, and more.
On Plymouth Rock’s Better Business Bureau profile, complaints cite cancellation and billing issues. Reviews range from praising quick, professional service to citing concerns with adjusters low-balling claims.
Pros & Cons
Compare the advantages and disadvantages of Plymouth Rock home insurance.
Plymouth Rock Pros & Cons
| Pros | Cons |
|---|---|
| Pros | Cons |
| Quick online quote tool | Only available in six states |
| Comprehensive coverage | Higher than national average monthly cost |
| Home-sharing endorsement |
Coverage
Plymouth Rock offers all industry-standard forms of coverage in its basic policy.
Plymouth Rock Coverage
| Type | Description |
|---|---|
| Type | Description |
| Dwelling + other structures | Covers the home’s interior and exterior structure, plus detached structures like sheds or garages |
| Personal property | Covers your personal property in the case of covered loss, including furniture, clothing, appliances, and electronics |
| Loss of use/Additional living expenses | Covers the cost of temporarily living outside of your home due to covered damage or destruction |
| Personal liability | Covers legal fees in the event you are sued for injury or personal property damage to a guest |
| Medical payments to others | Covers medical expenses of a guest who gets injured at your home, regardless of fault |
Plymouth Rock also offers several endorsement options to help you customize your home insurance coverage.
- Replacement cost contents
- Home-sharing coverage (like using Airbnb)
- Earthquake coverage
- Water back-up coverage
- Increased coverage for jewelry, watches, and furs
Availability
Plymouth Rock home insurance is only available in six states—New Jersey, Massachusetts, Pennsylvania, Connecticut, New York, and New Hampshire.
How Much Does Plymouth Rock Home Insurance Cost?
The exact cost of Plymouth Rock insurance depends on many factors, including your property value, size, the materials it was constructed with, where you live, the coverage limits you select, the insurance deductible you choose, and more.
We received a sample quote for all three tiers of coverage for a new construction, single-family, roughly 2,200-square-foot home in Pennsylvania. The monthly rates of $140, $150, and $179 were higher than quotes we received from several competitors.
The sample quotes did not list specific coverage amounts for other structures or loss of use/additional living expenses.
Good
| Type of Coverage | Amount of Coverage |
|---|---|
| Type of Coverage | Amount of Coverage |
| Dwelling | $307,000 |
| Personal property | $153,500 |
| Personal liability | $300,000 |
| Medical payments to others | $1,000 |
| Monthly Cost | $140 |
Better
| Type of Coverage | Amount of Coverage |
|---|---|
| Type of Coverage | Amount of Coverage |
| Dwelling | $307,000 |
| Personal property | $214,900 |
| Personal liability | $500,000 |
| Medical payments to others | $5,000 |
| Monthly Cost | $150 |
Best
| Type of Coverage | Amount of Coverage |
|---|---|
| Type of Coverage | Amount of Coverage |
| Dwelling | $307,000 |
| Personal property | $214,900 |
| Personal liability | $1,000,000 |
| Medical payments to others | $5,000 |
| Monthly Cost | $179 |
Discounts
Plymouth Rock offers both automatic and potential discounts to help you lower the amount you pay for homeowners insurance.
Automatic Discounts
| Type | Description |
|---|---|
| Type | Description |
| Age of home | Discount for newer homes |
| Advanced quote | Discount for requesting a home insurance quote more than seven days before your policy starts |
| Claims-free | Discount for going five or more years without filing a home insurance claim |
| New customer | Discount for getting a Plymouth Rock home insurance policy |
| Superior constructed home | Discount if your home was built using solid and fire-resistive materials |
Potential Discounts
| Type | Description |
|---|---|
| Type | Description |
| Companion policy | Discount for bundling Plymouth Rock insurance policies |
| Fire protection | Discount if your home has a central fire monitoring system, automatic sprinklers, or other devices that qualify |
| Security protection | Discount if your home has a central monitoring system like ADT or SimpliSafe |
| Affinity | Discount if you are a member of a Plymouth Rock partner association or group |
| eDocuments | Discount of $25 if you choose electronic billing and policy information |
| Connected home | Discount if your home is equipped with internet-connected devices to protect against theft, fire, or water damage |
Reviews of Plymouth Rock
Plymouth Rock is not accredited by the Better Business Bureau (BBB) and holds an A+ rating from the organization. See what some customers had to say about their experience with Plymouth Rock.
Mitail G. said:
“I am a current homeowner customer and very satisfied with this company. First of all, I live near the Jersey Shore and they were one of the only carriers who would write my policy — and the only one I could find who did so at a reasonable rate. I’ve only had one claim so far — wind destroyed part of my fence. The claims person came out right away and was very helpful and friendly. The loss amount was less than my deductible, but I was still happy by how quickly Plymouth Rock handled everything. I would definitely recommend this company!”
D.C. said:
“They provided very good service until we had ‘too many incidents.’ PRA claimed six incidents since 2016 but one was the same accident (our fault) and the others were not our fault. As a matter of fact, two were glass. I echo the review from V on 4/27/2017 ‘God forbid that you have to use the insurance.’ We have insured three to five cars with them over the time period so odds are there will be some incidents.”
Plymouth Rock vs. The Competition
See how Plymouth Rock stacks up against some of its top competitors on key metrics.
Comparison
| Provider | Plymouth Rock | Lemonade | Amica® |
|---|---|---|---|
| Provider | Plymouth Rock | Lemonade | Amica® |
| Our score | 87 | 83.50 | 96.60 |
| State Availability | 6 | 27* | 48 (not available in AK and HI) |
| BBB Rating | A+ | B+ | A+ |
| Years in Business | 38 | 5 | 113 |
| 24/7 Claims Service by Phone | ✓ | ✓ | ✓ |
| Protective Devices/Safety Features Discount | ✓ | ✓ | ✓ |
| Bundling Discount | ✓ | ✓ | ✓ |
| Mobile App | X | ✓ | ✓ |
*Lemonade home insurance is available in AZ, AR, CA, CO, CT, GA, IL, IN, IA, MD, MA, MI, MO, NV, NJ, NM, NY, OH, OK, OR, PA, RI, TN, TX, VA, WA, WI
Our Conclusion
If you live in any of the six states where Plymouth Rock offers coverage, the home insurance company may be a good fit for you—but chances are, you may find a cheaper company to work with. Its costs run higher than many other home insurance companies. However, the cost may balance out with the many discounts offered. Overall, we give Plymouth Rock home insurance a score of 87 out of 100.
To find the best provider for your needs, we recommend getting quotes from multiple home insurance companies that serve your area:
Company Information
- Company name: Plymouth Rock Assurance Company
- Company type: Private
- CEO: Gerry Wilson
- Year founded: 1982
- Headquarters: 581 Main Street, Woodbridge, NJ 07095
- State availability: 6
- BBB rating: A+
Our Methodology
The This Old House Reviews Team values accuracy, transparency, and trust. With that in mind, we created an objective rating system to score each home insurance company based on the following six factors:
- Coverage (30)
- State availability (7.5)
- Customer service (15)
- Technology (12.5)
- Reputation (20)
- Additional benefits (15)
Our Reviews Team has a full-time researcher who collects and regularly updates datapoints from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.
Frequently Asked Questions
Does Plymouth Rock offer home insurance?
Yes, Plymouth Rock offers three tiers of home insurance in its basic policy, with all industry-standard protections—dwelling, other structures, personal property, loss of use/additional living expenses, personal liability, and medical payments to others.
Is Plymouth Rock a good insurance company?
We believe Plymouth Rock is a good insurance company if you live in one of the six states where it is available, although you may be able to find home insurance from other companies at cheaper rates. Plymouth Rock offers solid coverage, a good range of endorsements, and many discount opportunities.
Is it hard to get homeowners insurance after being dropped?
It will depend on the new home insurance company you are trying to get a policy from. Some companies will view you as a “high-risk” potential customer after that and may not accept your business, while others may be more lenient. Luckily, state laws require your home insurance company to give you advance notice before you are dropped.
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.