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Bunker Hill Insurance Review

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UPDATED: Nov 30, 2018

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Bunker Hill Insurance
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A personal lines property & casualty insurer for over 20 years, Bunker Hill is a small company that makes big promises. Offering a range of home insurance policies, they also have the unique offering of an auto/home discount in spite of the fact that they don’t write auto insurance policies.

Bunker Hill Insurance Summary

Founded in 1996, Bunker Hill has its headquarters in Boston, MA. They write home insurance policies ranging from standard homeowners to renter’s insurance, an also write umbrella insurance. Through an affiliation with major New England auto insurer Plymouth Rock, Bunker Hill is able to offer an auto/home discount on its policies to Plymouth Rock-insured drivers.

Bunker Hill policies are sold through independent agents, and they are licensed in Massachusetts and in Connecticut. The company websites states that they have more than 40,000 homes insured presently, and the company’s goal to become the foremost regional insurer in the area.

Also in association with Plymouth Rock, Bunker Hill offers an AARP member program for auto and home insurance that has exclusive discounts and benefits to members.

Insurance Products

Currently, Bunker Hill writes only home and umbrella insurance, with a variety of home types eligible for coverage.

Homeowner’s Insurance

Bunker Hill writes home insurance policies for standard single-family homes, rental homes, vacation homes, condos, and also personal property coverage policies for renters. Policies come with three coverage levels.

  • Standard homeowner’s, which covers replacement cost for the structure, personal property, personal liability, and includes options for high value item riders.
  • Smart Choice (MA) and Advantage (CT) package policy enhancements that include named perils coverage, increased jewelry coverage, tree removal coverage, and credit card loss coverage.
  • 1775 (MA) and Advantage Plus (CT), the highest package enhancements that have the highest available coverage for credit card loss, tree removal, and jewelry as well as All Perils coverage. These programs also include up to 150% replacement cost coverage for the home.

Condo Insurance

Condo insurance policies from Bunker Hill are available to cover personal property and walls-in coverage for all attached parts of the structure that are the responsibility of the condo owner.

Vacation Homes

Policies for vacation homes and rental properties are also available to cover the specific needs of these risks. Rental property policies are designed to protect the structure and provide personal liability coverage, with minimal personal property coverage.

Discounts

Bunker Hill offers a good list of possible discounts for their home insurance policies, including new roof discount, paid in full, hurricane loss prevention, newer construction, and more. Their auto/home discount for having insurance with Plymouth Rock for auto is a fairly high discount at 20%.

Umbrella Insurance

Bunker Hill also provides umbrella insurance policies. These policies provide increased liability protection above and beyond the limits of any underlying policies. Bunker Hill only writes umbrella policies in Massachusetts, but policies are available in Connecticut through their affiliate company, Plymouth Rock.

Bunker Hill Insurance Rates

Bunker Hill does not have an option for online quoting which makes it difficult to obtain a price comparison. As a smaller insurance company, they are unlikely to compete with the rates of larger, national-level companies – however, they have the benefit of being able to offer an auto/home discount, which many smaller insurance companies do not.

Through partnership with Plymouth Rock, Bunker Hill can offer homeowner’s a 20% discount when they take out a Plymouth Rock auto insurance policy. This is likely to provide a competitive edge over similar insurance companies when it comes to rates.

The multiple discounts are also a good sign for lower rates, with many available that are easy to qualify for, such as the paid-in-full or eDocument discount.

Claims

Bunker Hill promises fast claims handling, including same-day response after a claim is filed in many cases. Claims are submitted via a 24-hour, 7-day a week toll-free call center, through a Bunker Hill agent, or submitted online.

Bunker Hill’s First Call system is designed to provide same-day adjusting and claims payment for simple claims. Qualifying claims will receive on-site estimates and an immediate check. Some claims can be adjusted over the phone.

For more complex claims, the company promises constant contact during the claims process, with a 24-hour customer service line available to take calls and provide updates on claims status. This is addition to the online claims status service, and contact through agents and adjusters.

The company also provides access to a list of restoration and repair services that will work directly with the adjuster to ensure quick repairs and streamline the process.

Consumer Research and Complaints

Bunker Hill is not Better Business Bureau (BBB) accredited, but has an A+ rating, and shows only three complaints in the past three years; one of which was closed in the last 12 months. Only three complaints in three years is an incredibly good record for an insurance company of any size.

There are four reviews left on the BBB site for Bunker Hill. Three of which are negative, while one is neutral. Reviews concern increased rates, cancelling policies, and poor customer service. It is worth noting that Bunker Hill has responded to two of the four reviews.

Aside from these ratings and reviews, there is little in the way of feedback out there on Bunker Hill. This may be partially because they are a smaller insurance company, or it may signify a generally positive customer experience, since people are far more likely to write a review when they are displeased than when they are happy with their service.

Financial Strength

Rating Company Grade Financial Outlook
AM Best B++ Stable
Fitch N/A N/A
S&P N/A N/A

Bottom Line

Bunker Hill is likely to be worth considering for anyone who already carries Plymouth Rock auto insurance thanks to the available discounts between the two companies. They are also worth a look for anyone who prefers a small, local company and has relatively simple insurance needs.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

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Bunker Hill Insurance
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

1 Comment

  1. Your insurance company is NOT responsive… my daughter’s house was destroyed by a huge tree, half the house was literally flattened.
    This happened beginning of July they are still fighting. BUNKER HILL has done not one thing to do the right thing. My daughter has had to hire outside help to deal with this company specifically her claims guy. The insurance adjuster they had to hire bc they were getting nowhere with their contact at Bunker Hill, was told that if they went over his head…”that he will make it so much harder for them”…NICE CUSTOMER SERVICE DON’T YOU THINK. ….. This whole family, she has a 7-year-old son has been displaced and their claims guy could care less. Oh, but he promised them the world…LIAR

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