Pemco Renters Insurance Review

PEMCO's renters coverage includes all the standard items and adds a few extras. For starters, personal property, liability, and loss of use are all covered. Your personal property is also protected when you are away from the house or traveling. Items can be covered at the actual cash value, or you can opt for replacement cost coverage. This is ideal in the event your property is stolen or damaged. A key feature PEMCO offers is Medical Payments to Others Coverage. This will help pay medical bills of any guests injured in your home regardless of who is at fault.

PEMCO offers all the standard-level discounts for its renters policies. These include discounts for safety and security devices, sprinkler systems, and substantial reductions for not making claims. PEMCO offers an easy and transparent process for obtaining quotes online, but you will have to provide your email and phone number as contact information.

PEMCO has an A+ rating with the BBB, though this is based on a total of 4 reviews. By and large, customer reviews in the service area are positive. The company also personally responds to most negative reviews as well, going so far as to publish negative reviews on their own website, which is impressive and certainly non-standard. Other notable customer features are 24/7 operators, online quotes, and online claims.

PEMCO carries a B++ (Good) rating from AM Best. The company is the largest locally-based provider of insurance products in the Northwest. As PEMCO has been in operation and growing since midway through the last century, they can be counted on as solid in their claimspaying ability. The company puts particular emphasis on being owned by customers, and therefore they're not beholden to stockholders and Wall Street.