In This Review: Our Take | Pros and Cons | Cost and Discounts | Coverage | State Availability | Customer Reviews | Conclusion | Comparison | Company Information | FAQ | Methodology

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.

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.

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Our Take on Plymouth Rock Homeowners Insurance

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 and Cons of Plymouth Rock

Compare the advantages and disadvantages of Plymouth Rock home insurance.

✔ Quick online quote tool
✔ Comprehensive coverage
✔ Home-sharing endorsement

✘Only available in six states
✘ Higher than national average monthly 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.


Type of CoverageAmount of Coverage
Personal property$153,500
Personal liability$300,000
Medical payments to others$1,000
Monthly Cost$140


Type of CoverageAmount of Coverage
Personal property$214,900
Personal liability$500,000
Medical payments to others$5,000
Monthly Cost$150


Type of CoverageAmount of Coverage
Personal property$214,900
Personal liability$500,000
Medical payments to others$5,000
Monthly Cost$150


Plymouth Rock offers both automatic and potential discounts to help you lower the amount you pay for homeowners insurance.

Automatic Discounts

Age of homeDiscount for newer homes
Advanced quoteDiscount for requesting a home insurance quote more than seven days before your policy starts
Claims-freeDiscount for going five or more years without filing a home insurance claim
New customerDiscount for getting a Plymouth Rock home insurance policy
Superior constructed homeDiscount if your home was built using solid and fire-resistive materials

Potential Discounts

Companion policyDiscount for bundling Plymouth Rock insurance policies
Fire protectionDiscount if your home has a central fire monitoring system, automatic sprinklers, or other devices that qualify
Security protectionDiscount if your home has a central monitoring system like ADT or SimpliSafe
AffinityDiscount if you are a member of a Plymouth Rock partner association or group
eDocumentsDiscount of $25 if you choose electronic billing and policy information
Connected homeDiscount if your home is equipped with internet-connected devices to protect against theft, fire, or water damage



Plymouth Rock Home Insurance Coverage

Plymouth Rock offers all industry-standard forms of coverage in its basic policy.

Dwelling + other structuresCovers the home’s interior and exterior structure, plus detached structures like sheds or garages
Personal propertyCovers your personal property in the case of covered loss, including furniture, clothing, appliances, and electronics
Loss of use/Additional living expensesCovers the cost of temporarily living outside of your home due to covered damage or destruction
Personal liabilityCovers legal fees in the event you are sued for injury or personal property damage to a guest
Medical payments to othersCovers 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




Plymouth Rock home insurance is only available in six states—New Jersey, Massachusetts, Pennsylvania, Connecticut, New York, and New Hampshire.



Customer 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.”



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:

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Plymouth Rock vs. The Competition

See how Plymouth Rock stacks up against some of its top competitors on key metrics.


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State Availability

Years in Business

24/7 Claims Service by Phone


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Plymouth Rock




48 (not available in AK and HI)


*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



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+



Frequently Asked Questions about Plymouth Rock



Our Methodology

The This Old HouseReviews team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations.

With that in mind, we created an objective rating system to score each home insurance company. Here’s what that review process looked like:

  • We analyze the information on each company’s website. This allows us to determine what products and services are offered by each home insurance provider.
  • We get a sample quote from the companies by either talking to a sales representative or by using the online quote tool. This tells us what a policy looks like and costs.
  • We test customer service by talking to a company representative, finding out their hours of operation, and determining what technological features are available for customers.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home insurance companies against each other.

With this data, we created a rating methodology to score each home insurance company. Our rating system is a weighted, 100-point scale based on the following factors:

  • Coverage (30): We rated home insurance companies higher if they offered the six main types of homeowner protection—dwelling, other structures, personal property, loss of use, liability, and medical payments to others coverage.
  • State availability (7.5): Companies scored higher if they covered more states than their competitors.
  • Customer service (15): This factor is based on our communications with the company representatives, as well as the companies’ claims and quotes processes, availability throughout the week, and customer service information found on their websites.
  • Technology (12.5): Technology can increase the efficiency of filing and tracking home insurance claims. Companies scored higher if they had technology options like mobile apps and online chat functions.
  • Reputation (20): We gauged trustworthiness based on years of experience and Better Business Bureau (BBB) ratings.
  • Additional benefits (15): Companies that offered optional features, like discounts and endorsements, scored higher than competitors that didn’t.

Our Reviews team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability.

To share feedback or ask a question about this article, send a note to our Reviews Team at