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
Verified official home underwriting guide remains the Plymouth Rock @Home Program Overview PDF for appointed agents. Current published home appetite is straightforward personal-lines homeowners with Coverage A from $50,000 to $2,000,000 and unlimited guaranteed replacement cost on dwelling; contents are shown at 70% of Coverage A. The guide also highlights standard package/endorsement positioning including Home Systems Protection ($100,000), Utility Service Line ($25,000), Home Sharing for Airbnb/HomeAway ($50,000/$100,000), water back-up ($5,000/$10,000), scheduled property up to $100,000 aggregate, sinkhole coverage to Coverage A, special personal property, and personal injury liability. Declined/ineligible risks specifically listed include 5 or more units in one building, protection class 10 / properties 5+ miles from a fire station, homes built before 1870, vacant or under-construction risks, farm buildings, mobile homes, unique construction, dangerous or biting dogs / vicious pets, animal boarding or breeding, non-domestic animals, unrepaired damage, poor maintenance, poor-condition roofs, farming/livestock/grain operations on site, exterior oil tanks, unfenced in-ground pools, trampolines without nets, open wells, non-incidental retail or wholesale operations, storage of supplies/products for sale, notable customer foot traffic, and fracking or other extraction operations on site. Geographic notes verified on the public site: Plymouth Rock markets home insurance in Connecticut, Massachusetts, New Hampshire, New Jersey, New York, and Pennsylvania. Producer/broker notes: the underwriting PDF is expressly for Plymouth Rock employees and appointed agents; public producer intake is through the Become an Agent page, which asks interested agencies to identify target states (CT, MA, NH, NJ, NY, PA), line of business (including Homeowners), premium volume, personal/commercial split, and carriers used. Practical submission takeaways: target standard owner-occupied personal residences in Plymouth Rock's six-state Northeast footprint; avoid farm, unusual construction, vacancy, poor condition, animal, premises-liability, and business-on-premises exposures; use appointed-agent channels/Agent Web for submissions rather than public consumer pages when placing business.