Plymouth Rock Assurance Corp.
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Scope / program - Internal "@Home" homeowners program guidelines used for Plymouth Rock-appointed agents and employees. Applies to owner-occupied 1–4 family dwellings, condos, renters, and certain secondary/seasonal homes in Plymouth Rock home states. Minimum Cov A ~$50,000 and maximum roughly $2,000,000; guaranteed replacement cost on dwelling available within program parameters.([aicontent.plymouthrock.com](https://aicontent.plymouthrock.com/Palisades/Product_Lines/Homeowner_Forms/Home_Underwriting_Guidelines.pdf?utm_source=openai)) Target / preferred business - Well‑maintained, standard construction dwellings with good upkeep and no significant deferred maintenance. - Owner‑occupied 1–2 family homes are core appetite; 3–4 families and second homes are considered if otherwise strong. - Homes with modernized systems (roof, wiring, heating, plumbing) and no prior serious losses. - Risks within reasonable distance to responding fire department and in ISO PPC 1–8; urban/suburban locations with accessible fire protection are preferred. - No unusual occupancies; primarily residential, not mixed commercial or farm properties. Key coverage features (operational impact) - Guaranteed Replacement Cost on dwelling (unlimited Cov A if eligibility conditions met), Replacement Cost on contents with default contents limit around 70% of Cov A.([aicontent.plymouthrock.com](https://aicontent.plymouthrock.com/Palisades/Product_Lines/Homeowner_Forms/Home_Underwriting_Guidelines.pdf?utm_source=openai)) - Built‑in enhancements like home systems protection, service line coverage, and some home‑sharing coverage (e.g., Airbnb/HomeAway) are available subject to program rules; agents must ensure occupancy/use questions are answered accurately when any home‑sharing is present.([aicontent.plymouthrock.com](https://aicontent.plymouthrock.com/Palisades/Product_Lines/Homeowner_Forms/Home_Underwriting_Guidelines.pdf?utm_source=openai)) Declined / ineligible risks (operational) Dwelling / property: - 5 or more units in a single building (out of appetite for the homeowners program).([aicontent.plymouthrock.com](https://aicontent.plymouthrock.com/Palisades/Product_Lines/Homeowner_Forms/Home_Underwriting_Guidelines.pdf?utm_source=openai)) - Protection Class 10 and generally properties more than 5+ miles from a responding fire station are ineligible or require special underwriting referral. - Homes built before ~1870 are listed as not acceptable in standard program unless specifically underwritten; very old/historic homes must be referred and are commonly declined.([aicontent.plymouthrock.com](https://aicontent.plymouthrock.com/Palisades/Product_Lines/Homeowner_Forms/Home_Underwriting_Guidelines.pdf?utm_source=openai)) - Vacant, under‑construction, or major renovation dwellings are not bindable in the standard HO program; these must be written elsewhere (builder’s risk/vacant program) or are declined. - Farm risks, mobile homes, and unique/atypical construction (e.g., some log, dome, or otherwise unusual structures) are not in the regular homeowners appetite and should be assumed declined unless a specific program is referenced.([aicontent.plymouthrock.com](https://aicontent.plymouthrock.com/Palisades/Product_Lines/Homeowner_Forms/Home_Underwriting_Guidelines.pdf?utm_source=openai)) Animals / liability: - Biting or known vicious dogs, animals with prior bite history, and any explicitly dangerous breeds or mixes as defined by company rules are not acceptable. - Boarding or breeding of animals at the premises is generally out of appetite and must not be bound without explicit underwriting approval. - Non‑domestic animals (exotic pets, farm animals, llamas, etc.) are excluded from standard homeowners appetite and typically result in declination of liability coverage for the risk.([aicontent.plymouthrock.com](https://aicontent.plymouthrock.com/Palisades/Product_Lines/Homeowner_Forms/Home_Underwriting_Guidelines.pdf?utm_source=openai)) Occupancy / use restrictions: - Dwellings that are completely vacant, used primarily for business, or used as rooming/boarding houses, fraternities, sororities, or similar are ineligible. - Farm exposures or properties primarily engaged in agricultural operations are not written in the @Home program. - Extensive home‑sharing or short‑term rental activity may require a specific home‑sharing endorsement; material commercial use of the premises can make the risk ineligible. Geographic notes - Plymouth Rock homeowners is marketed as available in select Northeast states, with specific home pages and product descriptions (e.g., Massachusetts). Agents should verify that the property is located in an active writing territory and that any coastal/cat‑exposed locations meet current internal cat management rules.([plymouthrock.com](https://www.plymouthrock.com/insurance/home/ma?utm_source=openai)) - Coastal, high‑catastrophe, or wind‑exposed properties (particularly in certain MA and NJ coastal counties) may be subject to separate wind/hurricane underwriting, mandatory deductibles, or non‑renewal if outside current appetite; contact underwriting for any borderline properties. Submission & binding expectations - Document states it is for Plymouth Rock employees and appointed agents only; agents must follow internal eligibility criteria and refer any risk that fails one or more specific rules before binding. - Binding authority is limited to risks that fully meet program eligibility (e.g., acceptable age/condition, no disqualifying occupancy, animals, or property conditions). When any exclusion criterion applies (vacancy, farm use, pre‑1870 build, 5+ units, unacceptable animals, unique construction), do not bind; submit to underwriting or decline per regional instruction.([aicontent.plymouthrock.com](https://aicontent.plymouthrock.com/Palisades/Product_Lines/Homeowner_Forms/Home_Underwriting_Guidelines.pdf?utm_source=openai)) - Expect standard documentation: complete application, prior insurance and loss history, details on updates to roof, plumbing, electrical and heating; photographs and inspections may be ordered for underwriting verification. Broker / producer notes - Guidelines emphasize that appointed agents are expected to know the risks submitted and ensure consistency with Plymouth Rock’s underwriting philosophy; underwriters will consider exceptions only by referral with full explanation. - Internal materials flag that these guidelines do not supersede state law or regulation; agents must follow any state‑specific homeowners rules (e.g., coastal restrictions, notice requirements). - For home‑sharing and LLC‑owned dwellings, agents should confirm current underwriting practice; prior references indicate ability to address LLCs and home‑sharing via endorsement when risk otherwise meets guidelines, but this should always be verified with current underwriter because appetite and forms may change.([aicontent.plymouthrock.com](https://aicontent.plymouthrock.com/Palisades/Product_Lines/Homeowner_Forms/Home_Underwriting_Guidelines.pdf?utm_source=openai)) Operational takeaway for agents - Target well‑kept, standard 1–4 family, owner‑occupied homes with good fire protection and no unusual animals or occupancies. - Decline or refer: 5+ unit buildings, pre‑1870 homes, farm or mobile homes, PPC 10 / remote properties, vacant/under‑construction homes, unique or exotic construction, and any risk with aggressive/vicious or non‑domestic animals or on‑premises breeding/boarding. - Always confirm state/territory eligibility, coastal restrictions, and any special wind/hurricane rules with current underwriting bulletins before quoting or binding.