Pearl Insurance: most-reported complaints
Automated analysis of 178 public Trustpilot reviews published 2022-05-17 to 2026-04-08. TrustScore 4.8 from 562 total reviews — see the Trustpilot page. Quick answer: is Pearl Insurance legit? Issues below reflect what reviewers reported, not findings of wrongdoing.
Reviewers most often report issues with unhelpful support, which accounts for 38% of the 21 complaints identified. Support being unreachable is the second most common concern, cited in 29% of complaints. Other reported issues include overcharging, mentioned in 19% of complaints, and misleading pricing, noted in 10% of complaints. No clear trend can be established for these issues due to the limited number of reviews.
How to reach Pearl Insurance
These are the contact details Pearl Insurance publishes on its Trustpilot profile, as of our last check on 2026-09-24 — phone 800.447.4982, address 1200 East Glen Avenue, Peoria Heights, 61616, US.
The company claimed its Trustpilot profile on 2021-08-05, uses Trustpilot’s paid features, and last replied to a negative review on 2026-03-31 — more than six months ago. Trustpilot ranks it 10 of 21 in Business Insurance Company. We last checked this profile on 2026-09-24 and found 0 new reviews. These are facts Trustpilot publishes about the profile, as of our last harvest.
Severity: 29% of this company’s 21 graded complaints were classified as severe (money lost, an essential service cut off, or a problem unresolved for months). See the harm index.
What their policy promises
guarantee: yes
“In short, yes it does.”
guarantee: email
“If you’d rather not get on the phone, we can email out an application for you to fill out at your leisure”
Quoted verbatim from the company’s own published policy (source page); complaint counts are census classifications. As of 2026-09-17.
Policy-page monitoring
We monitor this company’s published policy page for changes. 1 change detected since we started watching on 2026-09-01:
- 2026-09-08: +8/-8 lines; added: Why Insurance Company Ratings Matter | Risk can be found in a variety of places throughout the real estate space, and the insurance companies that provide you with professional, cyber, and general liability coverage are not excluded from risk. Insurance company ratings help real estate agents; removed: Real Estate | How Does Your E&O Coverage Handle AI? Navigating Risk Alongside Evolving Technology (snapshot)
Automated change detection on the company’s own published policy page — a record of when the page changed, not a judgement on what changed.
Reply quality: of 22 company replies to negative reviews analysed, 32% engaged with the specific problem and 64% were generic templates.
66% of its 147 recent 5★ reviews came from accounts that had written only that one review when we captured it (the median across companies is about 39%). A high share is a reason to look closer, not evidence of fake reviews.
Sector benchmark: support unhelpful makes up 38% of this company’s complaints vs a 28% median across 148 ranked companies in its sector.
Review velocity: 81 of this company’s 562 Trustpilot reviews (14%) were written in the last 12 months.
Not enough reviews to establish a trend.
What are the most common complaints about Pearl Insurance?
Support unhelpful
8 reports · 38% of complaints“I felt the Account Specialist didn't fully ensure I completely understood everything”
The company replied on 2024-08-16: “Hi Marcus, Thank you for leaving a rating and review for Pearl Insurance. We're sorry you weren't completely satisfied with your experience. We take all feedback seriously and will use it to ensure…”
Our classifier read this reply as a template response.
“Lori Plumer at Pearl was not helpful, incredibly slow to respond, rude to our staff”
The company replied on 2023-09-25: “Eric - Thank you for taking the time to provide valuable feedback. We apologize your experience with Pearl was less than ideal, and we hope you'll give us another chance to prove ourselves. A member…”
Our classifier read this reply as a template response.
“Slow on updating me new business name on policy”
The company replied on 2025-10-27: “Byrum– Thank you for your feedback. A one-star experience is not what we expect for our customers. Someone from our customer service team will reach out to you to help make this right.”
Our classifier read this reply as a template response.
Support unreachable
6 reports · 29% of complaints“Most of the time she doesn’t answer the phone! I’ve paid for the policy and they promised it would be sent that day! Waited and waited… still not here!!”
The company replied on 2024-01-24: “Laura - Thank you for taking the time to give us a review. We sincerely apologize about the issues you experienced, and we hope to make this right. A member of our customer service team will reach…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
1 reader marked this review helpful on Trustpilot.
“It’s been four months and I can’t get a call back.”
The company replied on 2023-10-06: “Rochelle, we thank you for your feedback, and it sounds like you are experiencing a frustrating situation, which is why we checked our records right away after reading your message and found that you…”
Our classifier read this reply as a deflection.
“Communication is slow at best. Emails take days to answer.”
The company replied on 2025-11-10: “Thank you so much for your feedback! We appreciate your business and hope to hear from you again soon.”
Our classifier read this reply as a template response.
Overcharging
4 reports · 19% of complaints“Then they wanted more money because they have a minimum for change to the policy.”
The company replied on 2024-04-10: “Jodi - Thank you for taking the time to give us a review. We sincerely apologize about the issues you experienced, and we hope to make this right. A member of our customer service team will reach out…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
“not told that there would be a $20 fee for this.”
The company replied on 2023-05-25: “Hi Darshan - Thank you for leaving a rating and review for Pearl Insurance. We're sorry you weren't completely satisfied with your experience. We take all feedback seriously and will use it to ensure…”
Our classifier read this reply as a template response.
“Exorbitant premium.”
The company replied on 2023-03-01: “Tim – Thank you for taking the time to provide valuable feedback. We apologize your experience with Pearl was less than ideal, and we hope you'll give us another chance to prove ourselves. A member…”
Our classifier read this reply as a template response.
Misleading pricing
2 reports · 10% of complaints“I was misled, as they acted as if it was a renewal”
The company replied on 2026-01-06: “Thank you for your feedback. We apologize for the confusion. We’ve spoken with you directly, confirmed the policy was canceled, and issued a full refund. No charges remain. We appreciate you taking…”
Our classifier read this reply as a substantive response.
It promised: refund.
“Hidden fees. No one needs access to your Lawyer’s Risk Purchasing Group Association.”
The company replied on 2022-05-19: “Terry - Thank you for your feedback. A two-star experience is not what we expect for our customers. Someone from our customer service team will reach out to you to help make this right.”
Our classifier read this reply as a template response.
Compare Pearl Insurance with…
Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Trends are computed from dated review counts only. Negative reviews are deliberately over-sampled for evidence depth; headline percentages use an unbiased recent sample only. Report updated 2026-09-20.