Rockingham Insurance Review & Complaints: Home, Auto, Farm & Business Insurance (2024)

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Rockingham Insurance, part of Rockingham Mutual Group, provides an array of personal and commercial insurance in Virginia and Pennsylvania. They have been in business for nearly 150 years.

What is Rockingham Insurance?

Rockingham Home Mutual Fire Insurance was founded in 1869 in Port Republic, Virginia. A few years later, in 1872, West Rockingham Mutual was formed; the two would combine a little less than a hundred years later, in 1968, to form Rockingham Mutual Insurance. The years that followed saw a long list of mergers with Virginia mutual companies.

In 2000, the company expanded into Pennsylvania under the name Rockingham Casualty Company. The formation of Rockingham Specialty in 2012 completed the group of companies as it appears today.

Rockingham offers home insurance, auto insurance, farm, business, and more insurance through independent agents across the two states they serve. According to the website, they have more than 50,000 policies in force.

What types of insurance products are offered?

Rockingham offers a basic line of personal products, including auto and home, as well as business and farm insurance and a line of specialty products.

Auto Insurance

The company offers a pretty comprehensive auto insurance program for a smaller insurance company. In addition to the standard liability coverage and the usual basic options, Rockingham offers some options usually only seen at larger companies.

These include accident forgiveness and the Smart Wheel Drive program, a telemetrics program that allows drivers to earn discounts based on the information returned by the system about their driving habits.

The Roadside Assistance Plus add-on option covers all vehicles on the policy nationwide for a flat annual fee of $15. They also have Plus One Replacement, which is essentially a new car replacement option that covers certain model years for replacement cost new rather than the depreciated value.

There is a solid list of available discounts as well, some common and some less so. This includes a new family discount, loyalty discount, and accident prevention discount.

Home Insurance

Rockingham offers a traditional homeowners insurance policy as well as coverage for mobile homes and for rental homes.

The standard home policy is customizable, allowing the addition of a number of options to enhance the basic structure, personal property, and liability coverage.

Options include Equipment Breakdown, Identity Theft, increased replacement cost coverage, water and sewer backup, and more.

There are also several discounts offered for home insurance, including multi-policy and a new mortgage discount.

Farm Insurance

Rockingham offers policies for full-time family farms as well as hobby farms. They cover a variety of farming operations, with standard and customized coverage to fit the needs of every farmer.

Among the available options are equipment breakdown, identity theft coverage, and even an add-on specifically for loss of income due to avian flu.

Business Insurance

There is little information on the business insurance side of Rockingham, but they appear to offer standard commercial package policies, with several add-ons available to customize the package.

These include specific types of liability, and the Choice Enhancement Endorsement, which is an additional package of extra coverage.

Specialty Coverage

Through Rockingham Specialty, a branch of the main company, specialty products are available in two main categories. These are niche commercial insurance and coastal property coverage.

The specialty areas of commercial insurance include artisan contractors, while the coastal property coverage is designed for the unique needs of properties on the Eastern Seaboard, where insurance can be difficult to obtain.

Are the company’s rates competitive?

Rockingham has an online quoting system that requires a lot of personal information, which some people may prefer not to enter, as sometimes this may lead to solicitation.

We ran a quote based on our standard sample information, but we ran only one driver and car in order to compare as closely as possible to published average rates for the state of Virginia. We returned a rate of $74.48 a month, which is below the state average of $93.

It is surprising to see online quotes from a company like Rockingham that works through local agents. The final step of the quote likely re-directs to an agent to finalize the policy.

Being a smaller, agent-driven company, we would not expect Rockingham’s rates to be among the lowest out there, but Rockingham’s rates actually come in well below the state average for insurance costs – and that’s without any multi-policy or other discounts. With all of these things put together, they are sure to contribute to a potential customer’s peace of mind.

Can claims be filed online?

Rockingham claims can be filed online with an easy to access form. This is a nice insurance service to see for a smaller, regional company.

There is also a toll-free number, which the website recommends using in the event of a serious incident, such as a fire or an accident involved serious injuries.

The website promises a response to claims filed online by a representative within 24 hours.

Ease of Filing a Claim

Rockingham Insurance offers multiple convenient methods for policyholders to file claims, ensuring a hassle-free experience. Customers can choose to file their claims online through the insurer’s user-friendly website, over the phone by contacting the dedicated claims hotline, or through the mobile app.

This flexibility caters to the diverse preferences of policyholders and simplifies the claims initiation process.

Average Claim Processing Time

One of the key factors that sets Rockingham Insurance apart is its commitment to swift claims processing. On average, the company has a commendable track record of processing claims efficiently, ensuring that policyholders receive their settlements in a timely manner.

While specific processing times may vary depending on the complexity of the claim, customers can generally expect a responsive and expedited service.

Customer Feedback on Claim Resolutions and Payouts

Rockingham Insurance values customer satisfaction, and this is reflected in the positive feedback received for claim resolutions and payouts. The company’s dedication to fairness and transparency in handling claims has earned it high marks from policyholders.

Customers appreciate the straightforward and honest approach taken by Rockingham Insurance, which contributes to a high level of trust and satisfaction among its clientele.

Mobile App Features and Functionality

Rockingham Insurance’s mobile app is a robust tool designed to enhance the overall insurance experience. The app offers a range of features and functionalities that empower policyholders. Users can easily access their policies, view digital ID cards, file claims, and even receive real-time updates on their claims status.

Additionally, the app provides a user-friendly interface, making it effortless for customers to manage their insurance needs on the go.

Online Account Management Capabilities

The insurer’s online account management capabilities provide policyholders with the flexibility to control their insurance policies and accounts from the comfort of their homes. Through the online portal, customers can review and update their policy details, make premium payments, and access important documents.

This digital convenience simplifies the administrative aspects of insurance, ensuring that customers have easy access to vital information whenever they need it.

Digital Tools and Resources

Rockingham Insurance goes beyond the basics, offering a variety of digital tools and resources to assist policyholders. These include educational materials, coverage calculators, and interactive tools to help customers better understand their insurance needs.

By providing these resources, the company empowers its customers to make informed decisions about their insurance coverage, fostering a sense of security and confidence in their choices.