3 Reasons Plymouth Rock is the Best Insurance Company for New England Sports Fans

3 Reasons Plymouth Rock is the Best Insurance Company for New England Sports Fans

by | Apr 10, 2023 | Massachusetts Insurance Companies

If you are a diehard sports fan living in New England, you may want to consider Plymouth Rock as your Massachusetts insurance company.

 

Not only does Plymouth Rock offer great coverage and superior customer support, but they also offer something even more unique: exclusive member benefits for sports fans. From access to discounted tickets to invitation-only fan experiences, there are a wide array of exciting sports-related benefits that Plymouth Rock has to offer. Below are 3 reasons that Plymouth Rock is the preferred insurance company for sports enthusiasts.

1. Auto Insurance Made for Bruins ® Fans

Plymouth Rock’s Bruins® Auto Insurance Program was created for those that bleed black and gold. Plymouth is an official sponsor of the Boston Bruins® and has designed a program with significant discounts and benefits to those that sign on, such as:

  • Discounted ticket offers to Bruins® home games 
  • Priority access to concerts and events at TD Garden 
  • Invitations to skate on the Bruins® ice 
  • Membership to the TD Garden Insider Club 
  • Complimentary passes to The Sports Museum at TD Garden 
  • Savings at the Boston ProShop powered by ’47

This program rewards Bruins® fans with special access to events and games. If you’re shopping for auto coverage and you’re a Bruins fan, this program is a no-brainer.

 

2. Insurance Made for Patriots Fans

As an official sponsor of the New England Patriots, Plymouth Rock offers an exclusive insurance program just for Patriots fans. This program offers the trusted coverage Plymouth has become known for, but it also offers amazing unrivaled Patriots perks. These include:

  • Priority access to Patriots home game tickets
  • Pre-sale access to Gillette Stadium concerts and events
  • Discounts at the Patriots ProShop
  • Special Patriots content and invitation-only fan experiences
  • Complimentary passes to the Patriots Hall of Fame presented by Raytheon Technologies

If you’re a Patriots fan, this program is a touchdown!

3. Auto and Home Insurance for Red Sox Fans

As the official provider of Auto and Home Insurance for the Red Sox, Plymouth Rock offers exclusive coverage and benefits for fans. In addition to the great insurance benefits, Red Sox Fans will receive discounts and priority access such as:

  • Savings on tickets to Red Sox regular season home games 
  • Pre-sale ticket access to concerts and events at Fenway Park 
  • 10% off purchases at the Red Sox Team Store 
  • Complimentary passes to tour historic Fenway Park 
  • Membership in Red Sox Nation, valued at $19.95 per year, which includes early entrance to the park to watch batting practice on the Green Monster, access to members-only Red Sox Nation events and exclusive ticket offers, and Red Sox Nation Newsletters

This is a home run for all Red Sox fans out there!

 

With exclusive programs for Bruins fans, Patriots fans, and Red Sox fans, Plymouth Rock goes above and beyond to reward their clients with coveted experiences and access to the teams and sports events. These programs offer ways to support your favorite teams with friends and family and create lasting memories. Contact Downey Insurance for insurance quotes in Massachusetts and see how Plymouth Rock can take your insurance coverage to the next level.

 

Plymouth Rock and Downey Insurance Group: A Winning Partnership for Comprehensive Coverage and Exceptional Service

Plymouth Rock and Downey Insurance Group: A Winning Partnership for Comprehensive Coverage and Exceptional Service

by | Apr 5, 2023 | Massachusetts Insurance Companies

In today’s competitive insurance market, finding the right coverage at an affordable price can be a daunting task.

That’s why the partnership between Downey Insurance Group and Plymouth Rock stands out as a winning solution for those seeking comprehensive protection and exceptional customer service. In this article, we’ll take an in-depth look at the key points that make this partnership a top choice for your insurance needs and explore additional benefits and discounts available to customers.

Comprehensive Coverage Options Across Multiple Categories

One of the standout features of Plymouth Rock is the wide range of coverage options they offer. By partnering with Downey Insurance Group, clients can access tailored policies for:

        • Auto insurance, including coverage for bodily injury liability, property damage liability, collision, comprehensive, medical payments, and uninsured/underinsured motorist protection.
        • Homeowners insurance, which covers dwelling, personal property, liability, and additional living expenses.
        • Renters insurance, offering protection for personal property, liability, and additional living expenses for those who rent their homes.
        • Condo insurance, designed specifically for condominium owners, providing coverage for personal property, liability, and loss assessment.

This extensive range of products ensures that clients can find the appropriate coverage for every aspect of their lives, all under one roof.

 

Exceptional Customer Service: A Personalized Approach

The partnership between Downey Insurance Company and Plymouth Rock Insurance prioritizes exceptional customer service:

 

        • Experienced Downey agents work closely with clients to understand their unique needs and find the perfect coverage options.
        • Plymouth Rock’s dedicated claims team is available 24/7, ensuring prompt and efficient service in the event of a claim. 

Competitive Pricing: Affordability Meets Quality

One of the standout features of Plymouth Rock is the wide range of coverage options they offer. By partnering with Downey Insurance Group, clients can access tailored policies for:

        • Clients can enjoy various discounts and incentives, such as multi-policy, safe driver, and good student discounts.
        • Clients can take advantage of specialized plans for Bruins, Red Socks, or Patriots fans that offer discounts and benefits on tickets and fan experiences.
        • Customized policies ensure that clients only pay for the coverage they need, avoiding unnecessary expenses.

Local Expertise: Understanding Regional Challenges

Downey Insurance Group’s local presence ensures that they have a deep understanding of the unique risks and challenges faced by clients in the region. By partnering with Plymouth Rock, they can leverage extensive knowledge and resources to provide tailored insurance quotes in Massachusetts that address these specific needs.

 

Innovative Solutions: A Forward-Thinking Approach

Plymouth Rock has been known for decades for its innovative approach to insurance, which is evident in their product offerings and services:

        • Crashbusters® program allows clients to have their auto claims appraised at their home or office, streamlining the process.
        • Door-to-Door Valet Claim Service™ ensures that vehicles are repaired at certified facilities and returned to clients as quickly as possible.

Additional Discounts and Benefits for Plymouth Rock Customers

By choosing Plymouth Rock Insurance through Downey Insurance Company, clients can access additional discounts and benefits:

        • Roadside Assistance coverage, offering peace of mind in the event of a breakdown or emergency.
        • Online account management, allowing clients to easily access policy information and make changes to their coverage.

Conclusion

The partnership between Plymouth Rock Insurance and Downey Insurance Company offers clients a winning combination of comprehensive coverage options, competitive pricing, exceptional customer service, local expertise, and innovative solutions. By providing additional discounts and benefits, this partnership ensures that clients receive not only the best possible insurance experience but also added value and peace of mind. If you’re looking for an insurance provider that goes above and beyond to meet your needs, reach out today!

How to Purchase Life Insurance Like a Pro

How to Purchase Life Insurance Like a Pro

by | Oct 19, 2022 | Life Insurance, Shopping Guide

The recent pandemic has raised a lot of interest in life insurance, and for good reason—it protects your loved ones financially should you pass away. Still, 54% of Americans have no plans to purchase a policy within the next year. This could be for a number of reasons.

 

Whether it be for financial reasons or mere uncertainty on how to obtain sufficient life insurance coverage, arming yourself with the know-how can make the process easier.

Types of life insurance policies

A life insurance policy is a financial contract that will pay out a death benefit to a beneficiary, or beneficiaries, upon the time of your passing. It’s intended to help your loved ones take care of your funeral costs and any living expenses in your absence. Many insurance companies will offer a range of coverage options to accommodate a variety of lifestyles and life changes. 

 

There are 3 types of life insurance policies:

1. Term life insurance — This is the most common form of coverage. It will provide a level death benefit for a set period of years (i.e. 10, 20, or 30). If you need additional coverage by the time your policy expires, you’ll need re-apply with your insurer.

2. Permanent life insurance — Unlike term life insurance, this type of coverage lasts your entire life and will often include a cash accumulation option that you’ll be able to access while you are still living. The premium is more expensive than other policies, but this option offers a fixed rate of return on cash value and set premiums that don’t fluctuate. 

3. Group life insurance — This coverage option is typically provided through an employer and typically only pays out one or two times the amount of your annual income. If you are the main source of income for your household, this may not be enough to support your family financially. It’s common for coverage to cease if you leave the company.

 

Understanding the types of life insurance policies available to you will help you determine which coverage options best fit your needs. Having too little or too much can hurt you financially, not to mention, leaving your family without a paddle in an already stressful and overwhelming time.

life insurance with Downey Insurance Group

Avoid tackling the search without an advisor

Your life insurance policy should be a part of a comprehensive financial plan as it’s an investment in your and your family’s future. If you’re unsure of where to start, or confused by the legal jargon, it’s best to consult with an insurance advisor and/or financial professional. They will outline each policy’s terms and conditions, go over the fine print, and work with you to find the best possible coverage.

 

Additionally, they’ll help you to weigh the pros and cons of purchasing a life insurance policy now versus prolonging obtaining one. A common mistake that many make is putting off going through the process of buying a policy.

 

This can result in higher premiums because your health and age play a huge role in determining your rate and coverage eligibility. As you age, you become more likely to develop health issues. Purchasing a life insurance policy earlier in life will result in more affordable coverage.

Keep your life insurance policy updated

The minimum policy term is 10 years and a lot can happen during this time. You might marry or go through a divorce. Maybe you added a few new additions to your family or have taken on the sole responsibility of caring for your parents. Divorced or remarried? You’ll also need to update your beneficiary to reflect those changes. Failing to do so means that any funds paid out by your life insurance won’t go to your current partner, leaving your loved ones in a financial bind.

Take away

Life insurance is put in place to provide financial protection for your family when they need it most. It’s a way for you to support them in death. By rendering financial relief, your loved ones can carry on without worrying about how they’ll be able to afford to do so. You should also consult with an independent agent to assist you in finding the right amount of coverage to fit your needs which will help to ensure that your family has an adequate financial safety net should you pass away.

Contact us today and learn more about how a life insurance policy can benefit your family.

How to Estimate Insurance on a Rental Property

How to Estimate Insurance on a Rental Property

by | Sep 20, 2022 | Renters Insurance, Shopping Guide

You found the perfect rental property, signed the lease, and landed on a move-in date—now what?

The next step would be to obtain an HO-4 policy. Commonly referred to as tenants or renters insurance, this additional coverage option protects your personal property and guests from a number of unexpected events relative to your new home. Renters insurance will also cover additional living expenses (ALE) should your rental property become uninhabitable at any point during your stay.

It’s your financial safety net as you embark on a new journey in a neighborhood, but how much do you really need? We’ve put together this simple guide to help you determine the right amount of coverage.

Assess the current value of your assets

Renters insurance is intended to financially safeguard you as a renter. Assessing the value of your assets means that you are not underinsured in case of an emergency—any amount exceeding the coverage limits for your rental property is not covered. Your HO-4 policy should provide ample protection.

 

An HO-4 policy protects you from:

  • Fire or lightning
  • Explosion
  • Windstorm or hail
  • Riot or civil commotion
  • Vandalism or malicious mischief
  • Falling object
  • Smoke
  • Damage caused by aircraft
  • Damage caused by vehicles
  • Volcanic eruption
  • Theft
  • Weight of ice, snow, or sleet
  • Overflow of water or steam
  • Sudden damage from hot water heater or A/C
  • Freezing of plumbing or pipes
  • Damage from electrical currents

Flood-related damage is not typically included and will require additional coverage. Depending on your insurer, there may be other non-covered perils within your HO-4 policy such as earthquakes.

If you have more valuable items—jewelry, art, electronics, and other collectibles—you may need to purchase additional coverage to protect the full value of your personal property. This is known as an endorsement, or rider, and covers high-value items. It’s a sure way to ensure you have enough coverage to replace all your belongings when a covered disaster hits your rental property.

Account for your surroundings and living situation

The area where your new rental property is located will have a direct impact on the cost you’ll pay for renters insurance. If you live in an area susceptible to natural disasters like wildfires or tornadoes then you’re likely to pay a higher premium for coverage. This could also be the case if your new neighborhood has high crime rates and if your rental property is not located near a fire station or fire hydrant.

Insurers account for the high-risk probability associated with an area to help determine the appropriate amount of coverage needed. Any furry friends making the move with you could also potentially be seen as high risk for a tenant. Aggressive breeds, due to the increased chance of dog bites, require additional liability coverage and, in some cases, are not covered by the insurer. More risks for you and your rental property means more coverage limits. Higher coverage limits translate to higher premiums. The highest reported premium is in Atlanta, GA, and runs the average consumer $269 annually, or about $22 a month—well above average. The national median cost of renters insurance in the U.S is $168 annually, or about $14 a month. Keep this in mind when gauging your total costs of coverage.

 

renters insurance with Downey Insurance Group

Evaluate your financial health

Your financial past is just as important as your current financial state when determining how much you’ll pay for your rental property’s HO-4 policy. What we mean by this is that your claims and credit history both impact your renters insurance costs as does your chosen deductible. 

 

It may cost more to insure your rental property if:

    • You filed one or more claims in the last three to five years
    • You have an unimpressive credit-based insurance score
    • You choose a lower deductible in lieu of high premiums


Residents in California and Maryland are not subject to credit-based prices. Aside from those exemptions regarding a tenant’s credit history, insurers often charge tenants with recently filed claims more because they are seen as high-risk. You can, however, cut high premiums down by opting to pay a higher deductible. If you are in good financial standing, doing so will lower costs.

Take away

Estimating the costs for coverage on any rental property prior to shopping around will help you to set realistic expectations on what a local insurer could charge. Once you have a general idea of how much coverage you need and what you can afford, consult an insurance professional. Working alongside a trusted insurance rep will guarantee that you’re getting the right coverage at the best possible rate.

Contact a Downey Insurance rep today to find affordable coverage for your rental property.

Is Comprehensive Auto Insurance Worth It?

Is Comprehensive Auto Insurance Worth It?

by | Sep 13, 2022 | Auto Insurance, Shopping Guide

Adding comprehensive auto insurance to your policy will provide the financial protection you need in the event of a non-collision accident. It can save you thousands of dollars in repairs and even cover the remaining balance of your auto loan if deemed totaled. 

This means that any loss or repair costs caused by an incident that did not involve a collision—i.e. severe weather damage, fire, or theft—are covered minus your auto policy deductible.

Comprehensive auto insurance coverage

Comprehensive auto insurance protects you from minor and major damages caused by elements beyond your control. Hit a deer? Covered. Fallen tree-crushing your vehicle? Claim approved. Create a safety net from financial hardship by accounting for the possibility of non-collision accidents.

 

Comprehensive auto insurance covers damages related to:

  • Animal contact such as a dented panel caused by hitting a deer.
  • Natural disasters that result in flood damage or other weather-related issues.
  • Fire resulting from natural causes and/or riots.
  • Theft of vehicle or parts of vehicle.
  • Damage to exterior including broken windshields and vandalism.

 

Comprehensive auto insurance safeguards your vehicle from damages sustained outside of auto collisions.

comprehensive auto insurance with Downey Insurance Group

This additional layer of coverage is subject to a deductible—a predetermined amount subjected from a claim check which typically ranges anywhere from $500 to $1,500. As the policyholder, you are financially responsible for the deductible in full should a comprehensive claim be filed. Your insurer would then cover the remainder of your repair costs. For example, let’s say your car was struck by a deer, and the cost of damages totals $1,500. A comprehensive claim is then filed and approved by your insurer. Upon approval, you pay a deductible of $500. Your insurer will then issue an insurance claim payout of $1,000 to repair the damages (the total repair costs minus your deductible).

 

Damages and injuries caused to others, your injuries, or damages resulting from an auto collision are not covered. You do, however, have the option to add on collision or additional liability coverage.

Comprehensive auto insurance vs collision insurance

Though frequently lumped together, comprehensive auto insurance differs from collision insurance by how damages are sustained to the vehicle. Are the cracks in your windshield from a hail storm or head-on highway collision? Is the dent in your hood from a fallen tree or contact with someone’s bumper?

Comprehensive auto insurance will cover non-collision damages whereas collision insurance covers those caused by a collision. Outside of liability auto insurance—which is a requirement in most states excluding New Hampshire—both forms of coverage can protect you from unexpected financial strain. If the cost of repairs happens to exceed the actual cash value (ACV) of your vehicle, your insurance company will total the vehicle and issue you an insurance payout equal to the ACV minus your deductible.

In most states, a vehicle is deemed totaled if and when the damages exceed 75% of its value.

Take away

There are both pros and cons to adding additional coverage to your auto insurance policy. If you are in a position where reinforcing your auto safety net is optional, it’s good to weigh each beforehand. 

Adding comprehensive or collision coverage to your policy could save you money on repairs or replacement costs due to unexpected events on- and off-road. Such auto insurance coverage add-ons complement your liability insurance policy by preparing for the future and covering all possible bases. 

Contact us today and let us help you create your perfect auto insurance policy.