Rockingham Insurance Review & Ratings (2024)

Read more: Penn State Car Insurance Discount

What You Should Know About Rockingham Group

Rockingham Group Insurance Coverage Options

Rockingham Insurance offers several types of personal and commercial insurance. While it spent more than a hundred years offering insurance in its home state of Virginia, it expanded into Pennsylvania in 2000.

Today, Rockingham’s most popular products are homeowners and car insurance. However, it sells a wide variety of specialty insurance plans to cover just about anything important in your life.

Rockingham Homeowners Insurance

While homeowners insurance isn’t legally required by any state, it offers valuable protection for your home. Rockingham doesn’t list all the details of its plan, but you can expect it to provide the following coverages:

• Dwelling: This coverage protects the physical structure of your home, including freestanding structures like fences and garages.
• Personal Property: An empty house isn’t a home, and Rockingham knows it. This part of your insurance covers personal items like appliances, clothing, and furniture.
• Liability: If someone is injured on your property and you’re deemed responsible for the incident, liability coverage helps pay your legal bills.

While these are the essential pieces of a homeowners policy, Rockingham offers add-ons that increase your plan’s value. These include:

• Water and sewer backup
• Utility service line coverage
• Additional valuable objects coverage
• Replacement cost coverage
• Identity theft protection
• Fraudscout
• Green improvement coverage
• Equipment breakdown coverage
• Earthquake insurance

While it may be tempting to add everything possible to your insurance policy, you should only purchase what you need. Typically, add-ons quickly raise the price of your insurance. To help you save money, Rockingham offers the following homeowners discounts:

• Claims-free
• Security and safety equipment
• New mortgage
• New home

A Rockingham insurance agent will help you determine which add-ons are appropriate for your home and what discounts you’re eligible for.

Rockingham Car Insurance

Aside from the fact that most states have laws requiring a minimum amount of insurance to drive legally, car insurance protects your vehicle from the dangers of the road. Rockingham understands that your vehicle is a crucial element of your life and offers the following types of insurance to protect it:

• Liability: If you cause an accident, your liability insurance will pay for damage you incur to people and property. Both Virginia and Pennsylvania require liability.
• Comprehensive: Also called Other Than Collision coverage, this pays for repairs that your car needs after damage caused outside of an accident. Qualified damage includes weather, theft, vandalism, fire, and animal contact.
• Collision: Regardless of who is at fault for an accident, collision will help pay for repairs to your vehicle.
• Uninsured/underinsured motorist: Simply because a state requires insurance doesn’t mean that all drivers have it. This insurance protects you from drivers without sufficient coverage and is required by Virginia and Pennsylvania law.
• Medical payments: Injuries after an accident can cost a lot to heal from. Medical payments will cover you or your passengers’ medical bills, up to the coverage amount.
• Rental reimbursement: If your car is stuck in the repair shop after an accident, Rockingham will reimburse you for a rental car while you wait.

Like its homeowners insurance plans, you can also purchase add-ons to further the protection on your car and increase the value of your policy. Rockingham offers the following add-ons:

• Accident forgiveness
• Plus one car replacement
• Roadside assistance

With the price of seemingly everything rising, Rockingham knows that its customers need to save money whenever they can. Rockingham offers the following discounts to help you maintain affordable car insurance:

• New family
• Policy bundling
• Advance quote
• Good student
• Pay plan
• Accident prevention
• Customer loyalty
• Continuous coverage
• Safety credits

A Rockingham agent will review your policy to find as many discounts as possible for you.

Other Types of Rockingham Insurance

While home and car insurance are the leading sellers, Rockingham offers numerous other types of insurance to take care of all your needs. Rockingham provides the following insurance products:

• Mobile home: Similar to a homeowners policy but specially crafted for mobile homes, Rockingham covers every aspect of your home and offers unique discounts.
• Rental property: Whether you own one rental property or many, Rockingham has you covered. As a bonus, you can add multiple properties in different locations to one policy.
• Farm: Rockingham covers full-time farmers and part-time enthusiasts alike. Of special interest is Rockingham’s Avian Influenza add-on, which protects against loss of income during bird flu outbreaks.
• Business: Rockingham recognizes the importance of small businesses in local communities, and they offer everything you need to protect yours.
• Personal umbrella: Liability coverage protects you from legal fees, but it’s often not enough. Umbrella insurance kicks in when your liability limit is reached.
• Specialty: Rockingham offers three specialty commercial plans, including general contractors liability, artisan contractors liability, and multi-peril packages.

You can speak with an agent through the Rockingham Insurance phone number to learn more about these policies and discover what’s available in your state.

Rockingham Group Insurance Rates Breakdown

Unfortunately, Rockingham’s online quote system requests a lot of personal information before it will provide you a quote. Aside from not wanting to disclose their data, many customers dislike this feature because it becomes time-consuming to find multiple quotes.

Acquiring an online quote from Rockingham might take more commitment than you’re ready for, but that doesn’t mean you have to avoid comparing prices. To begin, examine the average rates of insurance in Virginia and Pennsylvania below.

As a smaller company, you might expect Rockingham rates to be on the higher side of the state average. However, it appears that Rockingham charges slightly less than the average price. Customers generally mention that they save a lot of money with this company.

Rockingham Group Discounts Available

When it comes to securing insurance coverage, finding ways to save on premiums is always a priority. Rockingham Insurance understands the importance of providing financial relief to its policyholders and offers a range of discounts that cater to diverse needs.

In this article, we’ll delve into the various discounts provided by Rockingham Insurance, empowering you to make informed decisions while optimizing your coverage and savings.

• Multi-Policy Discounts: Rockingham Insurance encourages bundling your insurance policies to maximize savings. By combining your home and auto insurance, for example, you can unlock substantial discounts. This not only streamlines your coverage but also results in a more cost-effective solution for comprehensive protection.
• Safe Driver Discounts: For those with a clean driving record, Rockingham Insurance rewards responsible behavior with safe driver discounts. Maintaining a history free of accidents or traffic violations can significantly lower your auto insurance premiums, reflecting the company’s commitment to promoting and rewarding safe driving habits.
• Home Safety Discounts: Protecting your home is not just about having insurance; it’s also about implementing safety measures. Rockingham Insurance offers discounts for home safety features such as security systems, smoke detectors, and other protective devices. These precautions not only enhance your safety but can also contribute to reducing your homeowners insurance costs.
•  Good Student Discounts: Recognizing the importance of education, Rockingham Insurance provides discounts for young drivers who excel in their studies. Good student discounts are designed to reward academic achievement, fostering a connection between responsible academic performance and responsible behavior on the road.
• Paid-in-Full Discounts: Opting to pay your insurance premiums in full can lead to additional savings. Rockingham Insurance offers paid-in-full discounts, giving you the opportunity to reduce your overall insurance costs by settling your premium upfront. This discount is a testament to the company’s commitment to rewarding financial responsibility.
• Policy Renewal Discounts: Staying loyal to Rockingham Insurance comes with its perks. Policy renewal discounts are designed to reward customers for their continued trust and commitment to the company. As you renew your policies, you can enjoy additional savings, creating a mutually beneficial relationship between you and your insurance provider. 
• Responsible Payment Discounts: Timely and responsible payment habits are valued by Rockingham Insurance. The company offers discounts to policyholders who consistently make on-time payments. This not only reflects positively on your financial responsibility but also contributes to ongoing savings on your insurance premiums.

Rockingham Insurance Effortless Claims Process

Ease of Filing a Claim

Rockingham Insurance offers multiple convenient options for filing insurance claims. Customers can choose to file their claims online through the company’s user-friendly website or mobile app, providing a seamless and hassle-free experience. Alternatively, they can also file claims over the phone, ensuring flexibility in the claims submission process to suit individual preferences and needs.

Average Claim Processing Time

Rockingham Insurance is known for its efficient claims processing. On average, the company strives to process claims quickly, providing customers with prompt resolutions. The exact processing time may vary depending on the complexity of the claim, but Rockingham’s commitment to swift claim handling helps alleviate stress during challenging times.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is a valuable indicator of an insurance company’s performance. Rockingham Insurance has garnered positive reviews from policyholders regarding its claim resolutions and payouts. Many customers have expressed satisfaction with the company’s professionalism and responsiveness when handling claims.

This positive feedback underscores the company’s dedication to providing reliable support when it matters most.

Unveiling Digital and Technological Features of Rockingham Insurance

Mobile App Features and Functionality

Rockingham Insurance offers a robust mobile app that allows customers to access their insurance accounts conveniently. The app provides a range of features and functionalities, including policy management, bill payment, and claim filing. Customers can easily review policy documents, track claims, and make necessary updates, all from the convenience of their mobile devices.

Online Account Management Capabilities

For those who prefer managing their insurance policies through a web browser, Rockingham Insurance offers comprehensive online account management capabilities. Policyholders can log in to their accounts securely through the company’s website. From there, they can view and modify policy details, access important documents, and handle various insurance-related tasks with ease.

Digital Tools and Resources

Rockingham Insurance provides an array of digital tools and resources to assist customers in making informed decisions about their insurance coverage. These resources include educational articles, coverage calculators, and FAQs, all readily accessible on the company’s website.

These digital resources empower customers with the knowledge they need to select the right insurance options for their specific needs.

How Rockingham Group Ranks Among Providers

In the dynamic landscape of the insurance industry, Rockingham Insurance stands as a prominent provider, offering comprehensive coverage solutions for homes, cars, and personal belongings.

Operating primarily in Virginia, Pennsylvania, North Carolina, and South Carolina, Rockingham Insurance prides itself on reliable policies and a commitment to exceptional customer service. As we explore the competitive arena, it’s essential to acknowledge other key players vying for the trust and patronage of consumers in these regions.

• State Farm: As mentioned in the information, Dani Best began her insurance career with State Farm, and State Farm is a major player in the insurance industry, offering a wide range of coverage options.
• Allstate: Another large insurance company with a national presence, offering various insurance products including auto, home, and life insurance.
• Geico: Known for its competitive rates and extensive advertising, Geico is a major player in the auto insurance market.
• Progressive: A leading provider of auto insurance known for its innovative policies and competitive rates.
• Nationwide: Offers a variety of insurance products, including auto, home, and life insurance.

It’s important to note that the competitive landscape in the insurance industry can vary, and the choice of competitors may depend on specific regions and the types of insurance products offered. Consumers often compare quotes and coverage options from multiple insurance providers, so any company offering similar types of coverage in the same areas could be considered a competitor.

Rockingham Insurance Reviews

One of the best ways to judge whether or not a company will suit your needs is by reading its reviews. Rockingham reviews are overwhelmingly positive. First, the Better Business Bureau (BBB) rates Rockingham an A+, and there are three resolved complaints on its site.

A.M. Best rates insurance companies by their financial strength, with higher grades indicating that claims can easily be paid. While Rockingham has previously held an A-, it was recently upgraded to an A.

As for customer reviews, customers typically enjoy their experience with Rockingham. People that obtain multiple policies through Rockingham are particularly impressed with their service. People appreciate their rates, customer service, knowledge, and rapid responses.

Customers are also impressed with the online options. They enjoy that a simple Rockingham Insurance login allows them to access their account, make changes to their policy, pay their bill, and file a claim.

Finding negative reviews is actually a challenge for Rockingham. With the exception of a few customers with a less than satisfactory experience, people are generally extremely pleased with their insurance from Rockingham.