Commonwealth Insurance

Commonwealth Casualty Company was founded in 2010 with a commitment to provide affordable insurance to everyone. Commonwealth Casualty has primarily served customers in the state of Arizona Offers Homeowners insurance, Auto insurance, Renters Insurance, Rideshare insurance, Homeowners insurance

Commonwealth Homeowners insurance Coverage to repair or completely rebuild your home and other structures. It protects your home against fire, wind, hail, tornadoes, falling objects, and more.

Liability coverage to property damage and lawsuits. If someone gets injured on your property or if you break a window with an errant golf shot while golfing, we would cover the damage and the legal fees.
Personal Property such as furniture, electronics, appliances, tools, or power equipment. You may purchase optional coverage for more expensive items like jewellery and computers for an additional premium

• 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.

Commonwealth Auto Insurance
Liability Coverage – Most states require every licensed driver to carry a certain limit of liability insurance. Liability coverage pays for any damage that the driver inflicts on other drivers in an accident. Bodily injury coverage is responsible for injury or death that the driver causes while property damage liability covers vehicle and property damage. This coverage also covers the cost of defense in case of a lawsuit relating to an auto accident.

Bodily Injury Liability – This type of liability insurance covers the cost of any injuries or the death of a person as a result of an accident a driver causes. A few examples of coverage would be medical bills, loss of income, hospital bills, and pain & suffering damages that are accessed. Bodily injury insurance only covers the victims of the accident. The insured’s own medical bills will not be covered. BI is the short-term used for this coverage in the auto insurance industry.

Property Damage Liability -Commonwealth Insurance Property damage liability insurance covers damage that the insured driver causes to another person’s property. This covers damage to other people’s cars, fences, shrubs, trees, and houses, etc. PD is the short-term used for this coverage in the auto insurance industry.

Uninsured and Under-Insured Motorist Coverage – pays for the insured’s injuries caused by an uninsured driver or, in some states, a hit-and-run driver. UM, and UIM is the short-term used for these coverage’s in the auto insurance industry.

Medical Payments Coverage – Commonwealth Insurance this coverage pays for the medical cost of the insured and family members, regardless of fault. This coverage also applies when a covered person is injured in an accident as a pedestrian. This coverage will only pay for medical bills; unlike UM where it would cover other losses such as lost wages, loss of consortium, pain, and suffering, etc

Uninsured Motorist Property Damage – pays for damage caused to the driver’s vehicle by an uninsured driver. It must be verified that the driver at fault for the accident was uninsured at the time of the loss. Hit and Run incidents do not apply.
Comprehensive Coverage – Comprehensive covers damage done to the insured’s vehicle. It only covers damage caused by incidents, not collisions.

Commonwealth Renter’s insurance includes
Liability coverage to property damage and lawsuits. If someone gets injured on your property or if you break a window with an errant golf shot while golfing, we would cover the damage and the legal fees.
Personal Property such as furniture, electronics, appliances, tools, or power equipment. You may purchase optional coverage for more expensive items like jewellery and computers for an additional premium. The average monthly cost is only $15 dollars!

Renter’s insurance also provides:Commonwealth Insurance
Loss of use – If your rental unit becomes uninhabitable due to a covered loss, our policy provides you with coverage to pay for additional living expenses and food.
Personal property replacement cost – With our renter’s insurance you can replace lost or damaged items from a covered loss with similar items at today’s current prices!
Multi-policy discount – Save even more of your Auto insurance and Renter’s policy when you bundle your Commonwealth Renter’s policy with the Commonwealth Auto insurance policy!
Increased limits for jewellery and computer – With our renter’s policy you have the option to increase the limits for your jewellery and computers

Commonwealth Roadside Assistance Provides
Towing up to 25 miles to the nearest qualified service facility.
Battery service- provides jump start service when the battery dies.
Flat tire assistance- provides flat tire removal and replacement with spare tire if the vehicle carries one. If the spare tire is missing, the roadside will provide tow per towing benefits.
Emergency fluid delivery service- An emergency supply of up to 3 gallons of gasoline, oil, and water will be delivered. Member pays for fuel or other fluid.
Lock-out assistance- If the insured gets locked out of the car, the roadside will provide assistance to gain entry into the vehicle.