Bunker Hill Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Trusted Choice's Bunker Hill Insurance Score
3.5 Stars
We award Bunker Hill Insurance Company a final rating of 3.5 out of 5 stars. The carrier is fairly new to the industry compared to many other carriers around today, but its parent company, Plymouth Rock Assurance, has more experience.
Bunker Hill does have impressive financial strength, with high ratings through both AM Best and the BBB, but is not currently accredited through the latter organization. Plymouth Rock Assurance does not separate its underwriting companies with individual websites, which could cause some confusion in new or prospective customers. Bunker Hill also doesn't have its own social media presence. However, Plymouth Rock's website provides 24/7 claims reporting and match-with-an-agent services, which are certainly pros.
Bunker Hill Insurance Company was founded in 1996, giving the carrier just under 30 years' worth of experience within the insurance industry. Bunker Hill was founded with a mission to provide excellent home insurance coverage to residents in New England.
Currently, coverage underwritten by Bunker Hill is only available in the states of Connecticut and Massachusetts, but its parent company operates across several states in New England. Bunker Hill is a part of The Plymouth Rock Group of Companies (aka Plymouth Rock Assurance), which was founded in 1982. Plymouth Rock Assurance offers home and auto insurance in several states thanks to a group of underwriting companies, including Bunker Hill.
Bottom Line: Bunker Hill may have a way to go in certain areas, such as user-friendliness and its online presence, but there are also numerous strengths to the insurance company, such as financial size and the amount of discounts offered. With mixed customer feedback in combination with coverage only being offered in two states currently, we still place Bunker Hill a few points above the middle of the pack. If you’re a resident of New England and in need of any of their coverage offerings, we say go ahead and check out Bunker Hill as a potential option with your independent insurance agent. You just may want to survey some other options, too.
Bunker Hill Insurance Pros and Cons:
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Bunker Hill Insurance Products by Type
Bunker Hill is a specialty insurance company, with a focus on homeowners insurance. Its products include:
Home & Property Insurance:
- Homeowners insurance
- Renters insurance
Bunker Hill Insurance Homeowners Insurance
Bunker Hill offers all the standard types of coverage you'd want to find in a home insurance policy, including liability, dwelling, and contents coverage. The carrier also offers a few extra coverage options and perks.
Coverage types, features, and benefits:
Unexpected costs
Bunker Hill offers coverage for unexpected costs that may arise if you need to rebuild your home after a major disaster.
Update expenses
Bunker Hill offers coverage for the cost of updating your home if you're required to make repairs or upgrades to meet current building codes.
Valuables
Bunker Hill offers special protection for your valuables, including jewelry, fine art, and other specifically listed or scheduled items.
Identity theft
Bunker Hill also offers additional coverage for costs associated with incidents of identity theft.
Bunker Hill Homeowners Insurance Average Prices
Bunker Hill's premium rates aren't easily accessible online. If you're interested in a homeowners insurance policy from Bunker Hill, you can work together with an independent insurance agent to get an exact quote. You can also call or contact the carrier directly to inquire about pricing.
What Discounts Does Bunker Hill Offer?
Bunker Hill offers a generous number of discounts, especially for home insurance. The carrier's homeowners insurance discounts include the following:
- Claims-free discount: This is offered to home insurance policyholders who have gone at least five years without filing a claim.
- Fireproofing discount: This is offered to home insurance policyholders who install sprinkler systems or other fire monitoring systems within their homes.
- eDocuments discount: This is offered to home insurance policyholders who opt for digital bill pay rather than receiving paper statements.
- Smart home discount: This is offered to home insurance policyholders who live in smart homes with Wi-Fi-ready devices set up to protect owners against fire and water damage and theft.
- New home discount: This is offered to home insurance policyholders who purchase and insure newer homes. The newer the home, the higher the discount.
- New customer discount: This is offered to new Bunker Hill customers.
- Advanced quote discount: This is offered to customers who request a quote at least a week before their policy begins.
- Bundling discount: This is offered to customers who bundle their Bunker Hill home or renters insurance policy with an auto insurance policy from its parent company, Plymouth Rock Assurance.
- Superconstructed home discount: This is offered to customers who insure homes constructed with fire-resistive materials.
Your independent insurance agent can help you find even more discounts and ways to save on your premium through Bunker Hill, helping you to get the most bang for your buck on coverage.
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Bunker Hill Customer Service
Bunker Hill provides separate contact options depending on the coverage type and location of the insured. The carrier provides the following customer service options:
- 24/7 claims reporting
- Online claims reporting
- Customer service has the following hour restrictions:
| Days | Hours (EST) | ||
| Monday-Friday | 8 a.m. - 7 p.m. |
For further customer assistance, reach out to an independent insurance agent. Independent insurance agents can help make customer service much easier for you by handling claims and other concerns.
Bunker Hill Insurance FAQs
Bunker Hill provides 24/7 claims reporting via phone and online. The carrier states that a personal claim representative will be assigned to contact the customer “by the next business day.”
Bunker Hill allows customers to file claims 24/7 online or over the phone. Its phone line for other customer service inquiries is available during extended hours Monday through Friday.
Bunker Hill's claims process is broken down into five simple steps:
- Claim reporting: The customer contacts the carrier to report the claim.
- Damage review: The carrier reviews the claim information and schedules a visit with an adjuster.
- Estimate review: The adjuster will assess the damage and provide the customer with an estimate for reimbursement and instructions on how to get repairs made.
- Claim payment: If the claim is covered, the customer will be compensated.
- Complete repairs: The customer will be assigned a contractor to complete property repairs and is advised to save all receipts, bills, and invoices.
Bunker Hill Insurance can only be accessed through the official website of its parent company, Plymouth Rock Assurance, which can be a bit confusing to new or prospective customers. However, the website is fairly intuitive and easy to navigate, and finding important information is simple enough. The carrier lists its claims process and how to file in adequate detail for customers.
The website also provides many customer service options that modern policyholders have come to expect, such as online claims filing and getting matched with an agent. Bunker Hill does not have its own social media presence. Overall, Bunker Hill falls short in the user-friendliness department.
Bunker Hill prides itself on its home insurance coverage and offers important protection for homeowners, but it also offers renters insurance. The insurance company’s renters insurance coverage provides the following:
- Personal property coverage: This covers personal belongings from losses like fire, theft, certain natural disasters, and more. Personal property is also covered on vacations and during other scenarios away from the home.
- Personal liability coverage: This covers accidental property damage or bodily injury to a third party. Medical expenses for third party injuries in the event they harm themselves within the home are also covered in certain cases.
- Loss of use coverage: This covers additional living expenses if the home is temporarily uninhabitable and undergoing repairs due to a covered peril.
Your independent insurance agent can help you find more information about Bunker Hill’s renters insurance coverage.
While its reach is highly limited to just two states, Bunker Hill is still considered a reputable insurance company. High ratings through both AM Best and the BBB prove that the carrier is financially sound and can deliver on its coverage promises. It’s clear that thousands of New England residents have entrusted their insurance needs to Bunker Hill because they expect quality coverage.
Customers who live in Massachusetts and Connecticut who want home or renters insurance may find the policy they need underwritten by Bunker Hill.
Bunker Hill's home insurance rates are not available without contacting the carrier to request a quote. An independent insurance agent can help you find out more information about the cost of Bunker Hill's coverage in your state.
https://www.thezebra.com/insurance-companies/bunker-hill-insurance-reviews-coverage-options-and-ratings/
https://www.plymouthrock.com/claims/home-claims
https://www.bbb.org/us/ma/boston/profile/insurance-companies/bunker-hill-insurance-company-0021-68397
https://www.facebook.com/PlymouthRockAssurance/