Bottom line: Policyholders in Arizona who want a regional insurer for home insurance may be interested in Commonwealth Casualty’s coverage options and discounts. While its car insurance is available in Arizona, Ohio and Texas, coverage options and discounts are limited, making it difficult to fully personalize coverage.
|Online quotes for auto, home and renters insurance||Home insurance is only available in Arizona, while auto insurance is limited to Arizona, Ohio and Texas|
|Several home insurance endorsements, including golf cart coverage||Limited car insurance discounts|
|Local Arizona provider||High National Association Of Insurance Commissioners (NAIC) complaint score indicates that the company receives five times as many complaints compared to competitors|
|Limited digital policy management|
Founded in 2010, the Commonwealth Casualty Company is a relative newcomer in the insurance industry. Commonwealth is headquartered in Phoenix, Arizona, and provides car, home, and insurance in Arizona only as the direct underwriter. Recently, it has also started offering car insurance in Ohio through Incline Casualty Insurance and Texas through Redpoint County Mutual Insurance Company.
Commonwealth operates primarily through a network of local agents. If you prefer to use an agent for your insurance needs, Commonwealth may be a good option for you. However, Commonwealth’s offerings are limited. Bankrate’s Commonwealth Casualty Insurance review goes over the perks and drawbacks of this provider to help you better understand how it stacks up to other alternatives in your research.
Commonwealth Casualty car insurance
Drivers in Arizona, Texas and Ohio who want no-frills car insurance may find a solution with Commonwealth Casualty. Standard coverage like liability, comprehensive, collision, medical payments and uninsured/underinsured motorist coverage is included, but compared to other car insurance carriers, other endorsements are limited. Two additional options are rideshare insurance for drivers working with companies like Lyft and Uber, and safety equipment, which waives the comprehensive deductible for glass damage if comprehensive coverage is included in the policy.
One key element of Commonwealth Casualty car insurance is that the basic contract operates as a named driver policy, which only fully insures the vehicle when drivers who are listed on the policy are operating it. This means that if you allow someone not named on your policy to drive your car and they get into an accident, Commonwealth Casualty will not provide comprehensive and collision coverage for your car. If you occasionally allow others to drive your car, you may want to include the Named Driver Restriction Removal coverage to ensure that full coverage will apply, but keep in mind that the driver must live outside your residence, be licensed and be an infrequent driver of your car.
Commonwealth Casualty car insurance discounts
One of the biggest limitations to Commonwealth is that there are few car insurance discounts available, unlike many of the best car insurance companies. The only advertised discount is a multi-policy discount, which can help you get a lower rate if you bundle your auto and home or renters insurance with Commonwealth.
While not a traditional discount, you may also save money by enrolling in Commonwealth’s vanishing deductible program. For each year that you do not have a claim, your deductible will drop by $100, with savings of up to $500. If you are a safe driver, taking advantage of this program could help you save money. However, adding the program to your policy will likely increase your premium, but the cost could be offset by the deductible savings if you file a claim.
Commonwealth Casualty car services
Commonwealth Casualty offers its own roadside assistance program, with towing available up to 20-25 miles, depending on the state you reside. Other roadside services include battery jump start, flat tire replacement, emergency fluid delivery such as gas, oil or water and key lockout assistance.
Commonwealth Casualty home insurance
Commonwealth Casualty home insurance offers far more coverage options and discounts to Arizona homeowners compared to its auto insurance. Like the best home insurance companies, all standard HO-3 home insurance coverage, like dwelling, personal property, other structures, liability and medical payments coverage are included.
From there, homeowners can further protect their home with water back up protection and service line coverage. There’s also the option to add golf cart coverage, which provides liability coverage while driving a golf cart and covers any damage caused to your golf cart. You can also add special computer coverage, which provides a higher dollar amount of coverage for electronics like desktops, laptops, tablets, gaming equipment and related hardware.
Commonwealth Casualty home insurance discounts
In terms of discounts, Commonwealth Casualty provides a variety of ways for Arizona homeowners to get a lower home insurance premium. In total, there are eight discounts listed that homeowners may be able to obtain. You will find common discounts, like those for purchasing a new home or being claim-free, as well as some more unique savings opportunities. Here are a few standout discounts from Commonwealth:
- Secured community or building discount: Homeowners who live in gated communities or a monitored location could qualify for cheaper home insurance.
- Water leak detection: Smart home systems or devices that notify you if there’s a leak reduce the chances of widespread water damage, and having one may lower your home insurance rate with Commonwealth Casualty.
- New purchase discount: If you’ve just purchased your home, you could qualify for this discount on your policy.
Commonwealth Casualty home services
Commonwealth Casualty doesn’t advertise any additional services that home insurance customers can use.
Other Commonwealth Casualty perks worth considering
In addition to home and auto insurance, the only other policy type that Commonwealth Casualty offers is renters insurance. This coverage is especially useful to renters, as it provides loss of use and liability coverage, as well as coverage for personal belongings. However, it appears to only be available to Arizona residents.
Commonwealth Casualty corporate sustainability
Commonwealth Casualty reports that almost all of their employees volunteer with community service organizations. The company has also partnered with different organizations like Habitat for Humanity, United Way, Saint Mary’s Food Bank and the Salvation Army.
Not sure if Commonwealth Casualty is right for you? Consider these alternatives
When shopping for insurance, it can help to compare with a few different providers to be certain that you find the one most suited for your needs and budget. A few alternatives to Commonwealth Casualty include:
- MAPFRE: Another regional insurer, MAPFRE could be ideal for customers who want alternative options to a national company. MAPFRE operates in 14 states, including Arizona and Ohio, although product availability may vary by state.
- State Farm: State Farm received the highest ranking for customer service in the 2022 J.D. Power Auto Insurance Study for the Southwest region. The company also offers a wide variety of products, including home, auto, and life insurance.
- Geico: Geico offers some of the cheapest car insurance rates in the nation and is widely available to drivers. Whether you’re on a budget or moving out of Commonwealth Casualty’s operating states and need more options, Geico could be worth a look.