Plymouth Rock was founded in 1982 by Jim Stone (the former MA insurance commissioner). While they started in MA doing auto insurance, they now offer home, life, auto, condo, and renters insurance and are available in five states: NJ, MA, PA, CT, NH. They will be moving into NY later this year with their recent acquisition of MAPFRE insurance. Let's break down how their home insurance offerings compare to the other options you may have.
Plymouth Rock policies are based on the ISO standard forms used by most the industry, which makes it easy for you to compare coverages. They offer standard add-ons, such as water back-up, mold coverage, and scheduled jewelry coverage. They were one of the first carriers to roll out one-click purchase for home insurance policies (available in PA). This is an exciting improvement over traditional home insurance applications that can ask over 100 questions.
Plymouth Rock's pricing can vary by person and zip code. When they like a customer profile, they often are the lowest price for that customer. So if you are the lucky favorite, you definitely want to check their rates.
If you live along the coast, one thing to watch for is a high hurricane deductible. It is not uncommon to see 5% hurricane deductibles for coastal properties, especially along the Jersey shore.
Discounts! If you buy your home & auto policy through Plymouth Rock, they include a bundling discount of around 15%.
Plymouth Rock is rated "A-" by AM Best with a stable outlook. It's safe to say they aren't going away anytime soon.
Policyholders can file a claim online or over the phone 844-346-1225. In the event of a loss, customers should take photographs, do the minimal amount necessary to prevent further loss, and save any relevant receipts. While Plymouth Rock has been paying out claims for a long time, it seems with some recent customers, they still need to improve turnaround times.
Where is Plymouth Rock Available?
In summary, Plymouth Rock is extremely competitive if you fit their target customer profile. Their claims processing can be spotty for some customers, but outside of that, they offer industry-standard coverages on home, condo, dwelling, and renters insurance.
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Disclosure: Plymouth Rock is one of the many options Young Alfred offers for home insurance. Young Alfred did not receive any compensation or direction from Plymouth Rock in writing this review.