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Commonwealth Insurance: Review, Coverage Options, and Ratings

Commonwealth Casualty Insurance Review 2020


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3 Rating from The Zebra

Headquartered in Phoenix, Commonwealth Casualty has primarily served customers in the state of Arizona since its founding in 2010. As a smaller regional insurance company, Commonwealth prides itself on offering affordable insurance.

Let’s take a closer look at Commonwealth’s coverage options, discounts, and customer satisfaction ratings. Read on for a comprehensive review of Commonwealth Casualty Insurance.


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JD Power Rating — Not Rated

Financial strength — Not Rated: Commonwealth Insurance's financial stability has not yet been rated by AM Best.

NAIC Rating — Above Average: Compared to the national average, Commonwealth Insurance received fewer customer complaints, according to the National Association of Insurance Commissioners.

JD Power Rating — Not Rated

Financial strength — Not Rated: Commonwealth Insurance's financial stability has not yet been rated by AM Best.

NAIC Rating — Above Average: Compared to the national average, Commonwealth Insurance received fewer customer complaints, according to the National Association of Insurance Commissioners.

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Commonwealth Insurance car insurance coverage options

All the coverages you’d expect from an insurance company are offered by Commonwealth — liability, collision, comprehensive, uninsured/underinsured motorist, medical payments, and personal injury protection. Customers can add some additional coverages to supplement their policies. These are detailed below.

Rental reimbursement

A common add-on to many car insurance policies, rental coverage will cover the cost of your rental car if your own is out of commission due to a covered loss. Commonwealth lets policyholders choose either $20 or $30 per day for up to 30 days of rental car coverage.

Vanishing deductible

Your deductible is reduced by $100 for every year your Commonwealth auto policy is free of claims, up to a maximum of $500. Learn more about vanishing deductibles.

Custom or additional equipment coverage

If your vehicle has been altered with permanent equipment that wasn’t installed by the original manufacturer, including enhancements, accessories, and devices, consider adding this endorsement to bolster your policy. It covers up to $2,500 for your modified vehicle.

Roadside assistance

Another common coverage to add for peace of mind, the roadside assistance package offered by Commonwealth covers towing (up to a certain mileage limit), lockout service, fuel delivery, jumpstarts, and flat tire service. For more detailed information, see our comparison of roadside assistance programs here.

Accidental death and dismemberment

If you are injured or perish in a car or plane crash, Commonwealth will pay out up to the chosen limit to help alleviate medical or funeral costs.

 

Commonwealth auto insurance discounts

Despite Commonwealth’s robust coverage options, the insurer is lacking on the discount front. Commonwealth's sole car insurance discount is a multi-policy discount for bundling your auto policy with homeowners or renters policy. This is a popular discount provided by most insurance companies that offer multiple lines of insurance.

 


 

Commonwealth homeowners insurance review

The typical home insurance coverages are offered at Commonwealth, including coverage for your dwelling, liability, and personal property. Like auto insurance, you have the option to bolster your Commonwealth home insurance with some additional coverages.

Water backup protection

Homeowners insurance doesn’t cover all forms of water damage, and will only protect against damage caused by specific circumstances. Commonwealth’s water backup coverage will cover water damage from sewers, drains, or overflows from a sump pump or similar equipment.

Service line coverage

This covers below-ground piping or wiring, such as water or electricity, that provides services to your residence.

Special computer coverage

While home insurance covers personal property like electronics, it comes with a dollar limit that may not be sufficient to replace these items. This coverage will increase this limit for your electronics, including laptops, desktop computers, tablets, and gaming hardware.

Golf cart coverage

This provides coverage for your golf cart’s physical wellbeing and also your liability if you cause damage while driving one.

 

Commonwealth home insurance discounts

There are a few discounts to take advantage of if you’re shopping for a homeowners policy with Commonwealth.

Discounts based on your home insurance policy

  • Multi-policy: Bundle your homeowners insurance with another Commonwealth policy to get this discount.
  • Claims-free: You may be eligible for a claims-free discount if you haven’t made any claims for a period of time.
  • Paid-in-full: Pay your premium upfront for the policy period to get a discount and avoid the hassle of a monthly bill.

Discounts based on the home or policyholder

  • New home: If your home is new construction, you may qualify for some savings.
  • Secured community/building: Live in a gated community or somewhere similarly secured? You may be rewarded with a lower premium.
  • Protective devices: Equip your home with a fire alarm, home sprinkler system, or burglar alarm to save some money on home insurance.
  • Water leak detection: If you use a water leak detector in your home, look into this discount.

 

Additional lines of insurance

Commonwealth also offers the following insurance products in addition to home and auto:

 

Is Commonwealth Insurance right for you?

If you’re not too concerned with getting discounts on your car insurance policy, Commonwealth Casualty could be a good option with competitive coverage options. Arizona drivers or homeowners seeking the services of a more local insurance company may find a good fit with Commonwealth Insurance.

In addition to getting quotes and filing claims online, Commonwealth has many retail locations in Arizona if you prefer the personalized service of an insurance agent. While the company's above-average customer complaint rating indicates it supports its customers, the insurer's financial strength remains unknown — so Commonwealth’s ability to pay out on claims has yet to be determined.

What we can’t comment on is Commonwealth’s insurance rates; this is due to the highly variable nature of rating a potential policyholder, a process that takes into account factors like age, location, claims history, credit score, and more. The best way to get an affordable rate is to compare rates from as many insurers as you can.

The Zebra makes car insurance quote comparison simple. Compare rates from Commonwealth and dozens of other insurance companies by entering your ZIP code below.

 

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Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.

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