[Full disclosure: Plymouth Rock Assurance is one of our insurance carriers. As such, the Horan agency receives commissions for policies Plymouth Rock underwrites for our clients. That relationship does not influence our opinions or evaluations of the carrier. What follows is an objective review of a company we chose to work with for many of the reasons you'll read below.]
You want to make informed decisions about your insurance coverage, but the options can feel overwhelming. When reviewing carriers, you need information about their history, coverage options, and claims process to help you make choices about your insurance requirements.
In this article, we'll explore Plymouth Rock's background, coverage options, financial standing, and claims process. We'll also examine who might benefit most from their policies and who might want to look elsewhere.
How a Vision for Better Insurance Service Built Plymouth Rock
When former Massachusetts Insurance Commissioner Jim Stone founded Plymouth Rock in 1982, he saw an opportunity to improve how insurance companies served their customers. His experience as a regulator gave him insights into what worked—and what didn't—in the insurance industry.
Stone focused on building a company that would consider each customer's individual circumstances. Over four decades, Plymouth Rock grew from a small Massachusetts operation into a significant regional carrier, expanding their reach while maintaining their commitment to local service.
Today, Plymouth Rock Assurance serves multiple states with a range of insurance products. They've adapted to changing customer needs while staying consistent with their founding principles of responsive service and straightforward insurance solutions.
What Insurance Products Does Plymouth Rock Assurance Offer?
Let's examine their main insurance offerings and how they serve different customer needs.
Auto Insurance for Central New York Drivers
Plymouth Rock's auto policies include five main coverage types:
- Liability coverage for injuries or property damage to others
- Collision coverage for damage to your vehicle from accidents
- Comprehensive coverage for non-collision incidents
- Medical payments coverage for injuries to you or your passengers
- Uninsured/underinsured motorist coverage
Plymouth Rock offers additional benefits beyond standard coverage through their Road Rewards program. This mobile app-based program provides safe driving feedback and lets drivers earn points redeemable for rewards at popular retailers. New York residents can participate in the Road Rewards program regardless of whether they have a Plymouth Rock policy.
Plymouth Rock's Get Home Safe® program offers policyholders reimbursement for a safe ride home. If you need a ride home unexpectedly, Plymouth Rock will reimburse the cost of a taxi or rideshare service up to $50 per policy term.
For Central New York drivers dealing with winter weather challenges, Plymouth Rock Assurance offers coverage options that address regional concerns, such as incidents involving icy roads or winter storm damage. Their policies can accommodate various driving situations, from daily commutes to occasional leisure use.
Learn more about auto insurance coverage in Central New York.
Home Insurance Options for Different Property Types
Plymouth Rock takes a layered approach to home insurance protection. Their dwelling coverage addresses damage to your home's structure and attached buildings like garages, with replacement cost options that account for local building costs in Central New York.
The personal property coverage typically ranges from 50-75% of your home's insured value, protecting belongings inside your home. You can choose between actual cash value coverage or replacement cost coverage, with additional options available for high-value items like jewelry or electronics.
Their liability coverage extends protection for incidents on your property and can help cover legal expenses if you're sued. This coverage follows you away from home as well, providing broader protection for various situations.
Additional Protection Through Umbrella Coverage
Beyond standard policies, Plymouth Rock Assurance offers umbrella insurance for those seeking extra liability protection. This coverage activates after your standard policy limits are reached, providing additional financial protection for large liability claims.
For instance, if you face a liability claim of $1,000,000 with $500,000 in personal liability coverage, an umbrella policy can provide coverage for those additional costs, helping protect your assets.
The Plymouth Rock Claims Process
When you need to file a claim, Plymouth Rock Assurance offers three distinct approaches to meet different preferences. Their digital claims processing system, CarPics®, allows you to submit photos and receive estimates within hours, with payment available for eligible claims.
For those preferring personal service, their Crashbusters mobile claim service brings representatives to your location for damage evaluation and estimates.
Their full-service support option, Door to Door Valet Claim Service, manages the entire repair process, including rental car coordination when covered and working with their network of repair facilities.
Plymouth Rock states that their repair shop program includes repair coverage while you own or lease your vehicle, with direct payment to repair shops and rental car coordination when rental coverage applies. This streamlined approach aims to simplify the repair process after a claim.
What Makes Plymouth Rock Stand Out
Plymouth Rock Assurance maintains an A- (Excellent) rating from AM Best and earned recognition in Forbes' America's Best Insurance Companies 2025 ranking. They combine technology for convenient claims handling with options for in-person service.
Who Benefits Most from Plymouth Rock Assurance?
Understanding who might benefit most from Plymouth Rock's offerings can help you decide if they're worth considering for your insurance needs.
Good Fits
Plymouth Rock works especially well for:
- Homeowners seeking flexible personal property coverage options
- Drivers wanting multiple claims processing choices
- Those interested in combining auto, home, and umbrella coverage
- Drivers who maintain higher liability coverage limits and consistent insurance history tend to find Plymouth Rock's most competitive rates
- Drivers transitioning from commercial to personal auto policies who can document their driving history
Not-so-Good Fits
Their coverage might not suit those who:
- Live outside their operating territory
- Need specialized commercial coverage
- Want coverage types beyond their offerings
- Prefer working exclusively with nationwide carriers
- New drivers without established insurance history
Finding a Suitable Auto and Home Insurance Balance
Selecting insurance coverage involves many considerations. You need information about available options from someone familiar with local insurance requirements.
Our Central New York insurance agents can discuss Plymouth Rock Assurance's coverage options and how they relate to specific situations Central New York residents face.
Click the Get a Quote button below to learn about insurance options from an agency familiar with both industry standards and local Central New York considerations.
If you’d like to read more Horan Reviews on carriers that serve the Central New York region, click the links below. We’ll add more review links as they become available.
- Dryden Mutual Insurance Review
- Erie Insurance Review
- Main Street America Insurance Review
- NYCM Insurance Review
- Progressive Insurance Review
- Sterling Insurance Review
- Travelers Insurance Review
Topics:
