Pemco Renters Insurance Review

#3 in Renters Insurance

Pemco Insurance is a mutual company that protects your belongings from theft, fire, and other possible causes of property damage. It was initially created to provide insurance coverage to public school teachers. The company offers low-cost renters' insurance and focuses on customer service.

Company Profile

BBB Ratings

A+

States Served

3

Age of Company

60

AM Best Ratings

A-

 

Types of Structure Covered

Pemco Insurance offers protection for apartment, condominium, townhouse or single-family home structures. But its renters insurance is only available in 3 states.

Apartment

Yes

Condominium

Yes

Townhouse

Yes

Single-family House

Yes

 

Plan Details

Pemco Insurance offers little information on it policy delivery time, claims deposit, automatic withdrawal, and paper policy statement.  

Policy Delivery Time

Not Stated

Automatic Monthly Withdrawal

Not Stated

Claims automatic deposit

Not Stated

Paper Policy Statement

Not Stated

Mobile Access

Yes

Sample Policy

None

 

Coverage & Protection

 

Pemco offers a wide variety of coverage options and protection for renters.  Items include personal properties which includes the security of your belongings from theft, fire, windstorm, freezing and other unwanted happenings.  Lastly, they cover liability protection for accidents.

 

Personal Injury

Yes

Property Damage

Yes

Theft

Yes

Fire or Lightning

Yes

Vandalism

Yes

Windstorm or Hail

Yes

Accidents in your home

Yes

Injury caused by pets

No

Impact by a Vehicle

No

Freezing or plumbing system

Yes

Business Personal Property

Yes

Computers

Yes

Firearms

Yes

Jewelry

Yes

Silverware & Goldware

Yes

 

Discounts

Like most companies reviewed, Pemco also offers discounts for Sprinkler, Burglar, and a claim-free history. Additional discounts include Home Plus Auto, Educator, New Home, and Northwest Affinity for University of Washington Alumni.

Claim-free History

Yes

Multi-Policy Discount

No

Fire alarm discount

No

Sprinklers Discount

Yes

Burglar Alarm Discount

Yes

Other discounts

Home Plus Auto, Educator, New Home, and Northwest Affinity - University of Washington Alumni Discount

 

Help, Support & Usability

 

Policy-holders can access their policy through their smart phones by downloading their mobile app for easy modification and adjustments on their plan. Online quotes, online claims, 24-hour telephone support are provided on their website.

 

Coverage Calculator

No

Online Quotes

Yes

Online Claims

Yes

24-hour Telephone claims

Yes

Telephone Support

Yes

Email

Yes

Live chat

No

FAQs

Yes

 

Renters Insurance at Pemco

Pemco renter insurance offers protection for your personal belongings, liability coverage, and even coverage for injuries to person and property damage. Resources includes online quotes, access to articles and other online resources.  Pemco offers a variety of discounts options to give more value for your money. Unfortunately, these services are limited to 3 states.

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