Commonwealth Insurance Services Company Review

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Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu…

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Reviewed by

Rachael Brennan

Licensed Insurance Agent

Rachael Brennan

UPDATED: Mar 30, 2022

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Here's the Scoop

  • Commonwealth Insurance provides a comprehensive line of coverage to Kentucky residents
  • Products include personal and commercial protection
  • There are no financial ratings, but customer reviews are excellent

If you’re shopping for a new insurance company, you might feel frustrated or overwhelmed. Hunting for the best insurance plan is a challenge — we get it, and that’s where we come in. We take the stress out of shopping for insurance with honest company reviews and free and quick quotes. Today, we’ll focus on Commonwealth Insurance Services in Kentucky.

This article will break down the coverage you can get from Commonwealth Insurance. Additionally, we’ll explore the company’s financial ratings and customer reviews, so you can make a confident decision. 

Table of Contents

What products does Commonwealth Insurance provide?

Commonwealth Insurance Services provides a wide range of protection to Kentuckians.

The company offers personal and commercial coverage, aiming to provide customizable plans. Commonwealth’s insurance advisors work with you to help you choose the best coverage for your needs.

Commonwealth offers an extensive list of plans that encompass nearly every aspect of your life and helps protect assets, such as your home, car, and more.

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Personal Commonwealth Insurance Coverage

Commonwealth Insurance provides an expansive list of personal insurance coverage. From basic plans like home and auto to high net worth and vacation coverage, Commonwealth’s policies give you flexible options to protect yourself and your property. 

Commonwealth Auto Insurance

The best car insurance companies are known for offering flexible and customizable plans. Commonwealth Insurance provides auto policies to put you in control. By working with an agent, you decide what coverage is best for you and your needs.

The auto coverage available with Commonwealth Insurance include:

  • Medical payments coverage. This type of protection pays for medical and funeral expenses for you and your passengers after a covered accident, regardless of fault.
  • Bodily injury liability. This coverage pays for injuries you cause to another person in a car accident.
  • Uninsured/underinsured motorist. If you suffer property damage or get injured by a driver with little or no insurance coverage, this plan will pay for your expenses.
  • Collision coverage. This protection pays for damages caused by hitting another car or object.
  • Comprehensive coverage. This plan covers damage caused by non-collision incidents, such as weather, theft, or vandalism.
  • Property damage. This coverage pays for damage you cause to another person’s property.
  • Rental reimbursement/loss of use. This feature helps pay for the costs of a rental car if your vehicle is unusable after a covered accident.

Commonwealth strives to give you the best coverage for your situation. You can work with an agent to select the right plan for your needs.

Commonwealth Home Insurance

Homeowners insurance through Commonwealth allows you to choose the coverage you need. The comprehensive plans give you access to numerous protections, and you work with an agent to determine the risks your home faces.

Some coverages available include:

  • Personal property/contents. This plan protects your belongings, such as clothing, furniture, and appliances.
  • Medical expenses. This coverage pays if a guest gets injured on your property, even if no one files a liability claim against you.
  • Fire. If a fire damages or destroys your home, your plan covers the cost to repair or replace it.
  • Personal liability. This coverage protects you if someone gets injured or suffers damage to your property.
  • Jewelry, fine arts, and collectibles. Your plan can protect your valuable items, like art, firearms, and classic cars. 
  • Secondary home. You can protect your seasonal or vacation home with this policy.
  • Umbrella coverage. Adding this coverage can protect you from liability claims exceeding the limit of your primary plan.

You can choose from these coverages and more to craft the best policy for your needs.

Commonwealth Umbrella Insurance

Umbrella coverage is designed to supplement your primary liability insurance and is useful when your main plan provides inadequate coverage.

You can use umbrella coverage to enhance liability policies, and it can also provide additional compensation for watercraft, bodily injury, and property damage liability claims. Often, umbrella coverage is helpful to cover defense costs during a lawsuit.

Commonwealth Individual Life Insurance

Life insurance is available through Commonwealth in three forms: term, whole, and universal. 

Term life insurance is coverage you have for a specific amount of time, and once the term ends, your coverage ends unless you renew it.

You keep whole life insurance for your entire life. These plans build cash value and may provide additional benefits.

Universal life insurance is similar to whole life but gives you more flexibility. You can borrow against your universal plan much earlier than with whole life.

Commonwealth Insurance for Businesses

Besides its extensive line of personal insurance, Commonwealth provides a broad range of protection for businesses.

Some of Commonwealth’s commercial plans include:

  • Business owners policy. This plan combines property and business liability insurance. It protects your business against property damage, losses, and liability claims.
  • Commercial property insurance. This coverage protects your assets if they are stolen, damaged, or destroyed by a fire or natural disaster.
  • General liability insurance. This coverage is helpful if you meet clients at your business, their business, or have physical access to their machinery. It covers bodily injuries to non-employees and losses or damage to their property.
  • Commercial umbrella insurance. Commercial umbrella coverage can protect you if you surpass your primary plan’s limit. It covers you against liability claims.
  • Real estate investor insurance. This coverage protects your investments. It includes personal liability and property damage coverage. You can add extra coverage, such as protection for lost rent during building repairs.

Commonwealth Insurance offers numerous ways to protect your business. Other options include cyber liability, workers’ compensation, and errors and omissions liability. An agent can help you understand your business’s insurance needs.

Commonwealth Insurance Financial Ratings & Customer Reviews

While searching for a new insurance company, checking financial ratings and customer reviews is crucial. These two sources tell us how credible a company is and whether it treats its customers respectfully.

Commonwealth Insurance Services Financial Ratings

Financial ratings are independent estimations of an insurer’s ability to meet financial obligations. They’re a great source of information and something you should always check. 

Unfortunately, Commonwealth Insurance Services is unrated by all major financial reviewers. 

Commonwealth Insurance Customer Reviews

Customer reviews are arguably more important than financial ratings. These comments illustrate how the company treats its customers, whether it honors commitments, and if it views customers as more than dollar signs.

Commonwealth’s Google reviews are glowing, and the company has 4.9/5 stars based on 68 customer reviews. Most submissions cite professionalism and responsiveness as some of the company’s key attributes, and many celebrate the quality service and friendly agents.

Reviews are slightly more negative with Yelp, where Commonwealth has 2/5 stars based on 73 customer submissions. Yelp complaints generally cite issues with claims.

Still, many customers echo the sentiments of the Google reviews, with several comments expressing high levels of satisfaction with Commonwealth Insurance.

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Commonwealth Insurance in a Nutshell

Commonwealth Insurance Services provides a full line of coverage to customers in Kentucky. Headquartered in Louisville, Kentucky, the company has been in business for over 10 years.

Both personal and business plans are available. The company provides extensive and flexible coverage options, and you have the power to choose the protection you need.

Although no significant financial reviewers rate Commonwealth, customer reviews are generally excellent. Many customers praise the company’s quality service and professional agents.

Overall, if you’re looking for an insurance company in Kentucky, Commonwealth might be an exceptional choice. The ability to customize your plans and bundle all your coverage with one agency makes Commonwealth a wise and practical decision for Kentuckians.