Plymouth Rock Assurance Corporation, founded in 1982 and headquartered in Boston, MA, is a regional insurer serving over 700,000 customers with more than $1.8 billion in auto and home premiums across Connecticut, Massachusetts, New Hampshire, New Jersey, New York, and Pennsylvania.
Known for its customer-first approach and A- (Excellent) rating from A.M. Best, Plymouth Rock offers renters insurance to protect your belongings, liability, and living expenses at competitive rates, starting at around $10/month. With 40% of renters in the U.S. lacking insurance (per the Insurance Information Institute), renters insurance is a cost-effective way to safeguard your assets.
This article reviews Plymouth Rock’s renters insurance for 2025, covering its features, costs, pros, cons, and how to get a quote, based on insights from Plymouth Rock’s website, Bankrate, and customer reviews. Tailored for renters new to insurance, it helps you decide if Plymouth Rock is the right choice for your apartment or rental home.
What Plymouth Rock Renters Insurance Covers
Plymouth Rock’s renters insurance provides standard protections for renters in CT, MA, NH, NJ, NY, and PA, ensuring financial security if your belongings are damaged or you face liability claims. A standard policy includes:
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Personal Property: Covers repair or replacement of belongings (e.g., laptops, TVs, furniture, clothing) damaged by covered perils like fire, theft, vandalism, or windstorms. Coverage extends to items stolen outside your home, like a laptop taken from your car. Example: If a fire destroys your $2,000 TV, Plymouth Rock reimburses replacement costs, minus your deductible.
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Liability Coverage: Pays for legal defense, court costs, and damages if you’re responsible for third-party bodily injury or property damage. Also covers medical expenses for guests injured in your apartment. Example: If a guest trips over your rug and breaks their arm, liability coverage handles their $5,000 medical bill.
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Additional Living Expenses (ALE): Covers temporary lodging, meals, and other costs if a covered event (e.g., fire, burst pipe) makes your apartment uninhabitable. Example: If a flood forces you out for a month, ALE pays for a $1,500 hotel stay.
Optional Add-Ons (availability varies by state):
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Identity Theft Protection: Through CyberScout, covers costs to restore your identity after theft.
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Equipment Breakdown: Protects home appliances (e.g., furnace, stove) from mechanical failure.
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Scheduled Personal Property: Higher limits for valuable items like jewelry or art.
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Flood Insurance: Offered via Neptune Flood, separate from standard policies, for flood-related damages.
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Pet Insurance: Through Fetch Pet Insurance, covers up to 90% of vet bills, with a 10% discount for Plymouth Rock policyholders.
Exclusions: Standard policies exclude floods, earthquakes, pest damage (e.g., termites), wear and tear, and maintenance issues. Add-ons or separate policies are needed for these risks.
Costs and Discounts
Plymouth Rock’s renters insurance is affordable, with premiums starting at $10/month ($120/year), though costs vary based on:
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Location: Urban areas like Boston or New York City have higher rates due to crime or risk factors.
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Coverage Amount: Higher personal property limits (e.g., $50,000 vs. $20,000) increase premiums.
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Deductible: Choosing a higher deductible (e.g., $1,000 vs. $500) lowers monthly costs.
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Bundling: Combining renters with auto insurance saves up to 10–15%.
Average Costs (based on Bankrate and Insureon data):
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Basic Policy: $10–$20/month for $20,000 personal property, $100,000 liability, $500 deductible.
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Enhanced Policy: $15–$30/month with add-ons like identity theft or scheduled property.
Discounts:
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Bundling: Save by pairing renters with auto or other policies (e.g., umbrella).
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Security Systems: Discounts for alarms, deadbolts, or smoke detectors.
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Pay-in-Full: Lower rates for annual payments vs. monthly.
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eDocuments: Savings for paperless billing and policy delivery.
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Affinity Groups: Discounts for members of approved alumni or professional groups.
To get exact pricing, request a quote online at plymouthrock.com (takes 5–10 minutes) or call (855) 993-4470.
Pros of Plymouth Rock Renters Insurance
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Affordable Rates: Starting at $10/month, it’s among the cheapest options, ideal for budget-conscious renters.
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Customizable Coverage: Add-ons like identity theft, equipment breakdown, or pet insurance tailor policies to your needs.
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Strong Financial Stability: A- (Excellent) A.M. Best rating and A+ BBB rating ensure claims are paid reliably.
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Bundling Discounts: Save significantly by combining renters with auto, appealing for multi-policy holders.
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Customer-First Programs: The Pledge of Assurance guarantees accurate policies, professional claims handling, and a charity donation if service falls short.
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Digital Tools: Mobile app allows policy management, claims filing, and ID card access, praised for ease of use (4.5/5 on App Store).
Cons of Plymouth Rock Renters Insurance
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Limited Availability: Only offered in six states (CT, MA, NH, NJ, NY, PA), excluding renters in states like California or Florida.
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Mixed Claims Experiences: Some customers report slow claims processing (weeks for vandalism claims) or unresponsive adjusters, though others praise efficiency (e.g., same-day rental car setup).
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Premium Increases: Complaints about rates doubling at renewal, especially after initial “new client” discounts expire.
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Exclusions Require Add-Ons: Floods, earthquakes, and high-value items need separate coverage, increasing costs.
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Website Navigation: Some users find policy details sparse online, requiring agent contact for clarity.
Customer Feedback
Plymouth Rock’s renters insurance receives mixed reviews, reflecting strong service for some and frustrations for others, based on Clearsurance, ConsumerAffairs, and Reddit:
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Positive: Customers praise affordable rates, easy quote processes (5–20 minutes), and helpful agents. One renter noted, “App is simple to use and track policies. Highly recommend.” Another appreciated claims handling: “My laptop was stolen, and they covered replacement quickly.”
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Negative: Common complaints include slow claims (e.g., “Weeks with no response on a vandalism claim”) and rate hikes at renewal (“Premium nearly doubled after six months”). Some report rude adjusters or coverage disputes, like excluded items without clear policy terms.
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Ratings: 4.1/5 Bankrate Score for overall insurance, 4.08/5 Trusted Choice, but below-average J.D. Power customer satisfaction for auto (renters-specific data unavailable).
Comparison with Competitors
Feature |
Plymouth Rock |
Competitors (e.g., State Farm, Allstate) |
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Starting Premium |
$10/month |
$12–$15/month |
Coverage Types |
Personal property, liability, ALE, add-ons |
Similar, plus broader add-ons (e.g., sewer backup) |
Availability |
6 states (CT, MA, NH, NJ, NY, PA) |
Nationwide |
Discounts |
Bundling, security, pay-in-full, eDocuments |
Similar, plus loyalty, claim-free |
Claims Processing |
Mixed (fast for some, slow for others) |
Generally faster, robust networks |
A.M. Best Rating |
A- (Excellent) |
A++ (Superior) |
Note: State Farm and Allstate offer nationwide coverage and more add-ons but may cost $2–$5/month more. Plymouth Rock’s bundling discounts and low starting rates are competitive for Northeast renters.
Who Should Choose Plymouth Rock?
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Ideal For: Renters in CT, MA, NH, NJ, NY, or PA seeking affordable coverage (starting at $10/month), especially those bundling with auto insurance or valuing digital tools like the mobile app. Solo renters or young professionals with modest belongings ($20,000–$30,000) benefit from low costs.
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Not Ideal For: Renters outside the six-state region, those with high-value items needing extensive add-ons, or those prioritizing fast, consistent claims processing. If you’re in a flood-prone area, separate flood insurance via Neptune Flood adds complexity.
Tips for Choosing Plymouth Rock Renters Insurance
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Estimate Property Value: Inventory your belongings (e.g., electronics, furniture) to choose adequate personal property limits ($20,000–$50,000). Use Plymouth Rock’s online calculator.
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Compare Quotes: Get quotes from Plymouth Rock (plymouthrock.com) and competitors like State Farm or Allstate to confirm savings, especially for bundling.
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Check Add-Ons: Add flood or scheduled property coverage if you live in a flood zone or own valuables (e.g., $5,000 jewelry).
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Review Policy Terms: Clarify exclusions (e.g., floods, wear and tear) and deductible ($500–$1,000) to avoid surprises. Ask about renewal rate increases.
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Work with an Agent: Independent agents (find via plymouthrock.com) provide personalized advice and discount options.
Final Thoughts
Plymouth Rock’s renters insurance in 2025 offers a compelling choice for Northeast renters, with premiums starting at $10/month, robust standard coverage (personal property, liability, ALE), and flexible add-ons like pet or identity theft protection. Its A- A.M.
Best rating, bundling discounts, and user-friendly app make it ideal for budget-conscious renters in Connecticut, Massachusetts, New Hampshire, New Jersey, New York, or Pennsylvania. However, limited availability, mixed claims experiences, and potential rate hikes at renewal require careful consideration.
For renters with modest belongings or auto policies to bundle, Plymouth Rock delivers value, but compare quotes with State Farm or Allstate for nationwide options or faster claims. Start by getting a free quote at plymouthrock.com or call (855) 993-4470 to customize your policy. With Plymouth Rock, you can protect your apartment and assets affordably, ensuring peace of mind in 2025.