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Commonwealth insurance company review



I started Insurance Blog by Chris ™ because I have a passion for insurance. Here on the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers who help people understand all forms of insurance.

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Written by

Chris Huntley

Founder of Huntley Wealth & Insurance Services

Chris Huntley

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 received her property and claims license in all 50 states. After several years, she expanded her insurance expertise and also received her license in health and AD&D insurance. She has worked for small health insurance companies …

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Reviewed by


Rachael Brennan

Licensed insurance agent

Rachael Brennan

UPDATED: March 30, 2022

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Here’s Scoop

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

If you are looking for a new insurance company, you may feel frustrated or overwhelmed. Looking for the best insurance is a challenge – we get it, and that’s where we come in. We remove the stress of buying insurance with honest company reviews and free and fast quotes. Today we will focus on Commonwealth Insurance Services in Kentucky.

This article will share the coverage you can get from Commonwealth Insurance. In addition, we will explore the company’s financial ratings and customer reviews, so you can make a safe decision.

What products does Commonwealth Insurance provide?

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

The company offers personal and commercial coverage, which aims to provide customizable plans. Commonwealth Insurance Advisors work with you to help you choose the best insurance coverage for your needs.

Commonwealth offers a comprehensive list of plans that cover almost every aspect of your life and help protect assets, such as your home, your car and more.

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Personal Commonwealth insurance coverage

Commonwealth Insurance provides a comprehensive list of personal insurance coverage. From basic plans like home and car to high wealth and vacation coverage, Commonwealth policies give you flexible options to protect yourself and your property.

Commonwealth Car Insurance

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

The car insurance available with Commonwealth Insurance includes:

  • Medical payments coverage. This type of protection pays for medical and funeral costs for you and your passengers after a covered accident, regardless of fault.
  • Liability for bodily injury. This coverage pays for injuries you cause to another person in a car accident.
  • Uninsured / underinsured motorist. If you suffer property damage or are injured by a driver with little or no insurance coverage, this plan will pay for your expenses.
  • Collision protection. This protection compensates for damage caused by driving another car or object.
  • Extensive 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.
  • Rent compensation / loss of use. This feature helps pay for the cost of a rental car if your vehicle is unusable after a covered accident.

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

Commonwealth Home Insurance

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

Some available coverages include:

  • Personal property / content. This plan protects your belongings, such as clothes, furniture and appliances.
  • Healthcare costs. This coverage pays off if a guest is injured on your property, even if no one files a claim against you.
  • Fire. If a fire damages or destroys your home, your plan will cover the cost of repairing or replacing it.
  • Personal credibility. This protection protects you if someone is injured or damaged on your property.
  • Jewelry, art and collectibles. Your plane can protect your valuables, such as art, firearms and classic cars.
  • Secondary home. You can protect your seasonal or holiday home with this policy.
  • Umbrella coverage. If you add this coverage, you can protect yourself from liability claims that exceed the limit of your primary plan.

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

Commonwealth umbrella insurance

Umbrella protection is designed to supplement your primary liability insurance and is useful when your master plan provides insufficient coverage.

You can use umbrella coverage to improve liability policies, and it can also provide additional compensation for personal injury claims, personal injury and property damage. Umbrella protection is often helpful in covering defense costs during a trial.

Commonwealth individual life insurance

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

Time life insurance is coverage you have for a certain period of time, and when the term expires, your coverage will cease if you do not renew it.

You keep the whole life insurance for your whole life. These plans create cash value and can provide additional benefits.

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

Commonwealth Insurance for Business

In addition to its comprehensive range of personal insurance, the Commonwealth offers a wide range of corporate protection.

Some of the Commonwealth’s commercial plans include:

  • Business owner policy. This plan combines property and corporate liability insurance. It protects your business from property damage, losses and liability claims.
  • Insurance for commercial properties. This coverage protects your assets if they are stolen, damaged or destroyed by a fire or natural disaster.
  • General liability insurance. This coverage is useful if you meet customers at your company, their company or have physical access to their machines. It covers bodily injuries to non-employees and losses or damages to their property.
  • Commercial umbrella insurance. Commercial umbrella coverage can protect you if you exceed the limit of your primary plan. It covers you against liability claims.
  • Real estate investor insurance. This coverage protects your investments. It includes personal liability and property damage protection. You can add extra coverage, as protection against lost rent in building repairs.

Commonwealth Insurance offers many ways to protect your business. Other alternatives include cyber liability, work injury compensation and liability for errors and omissions. An agent can help you understand your company’s insurance needs.

Commonwealth Insurance Financial Ratings and Customer Reviews

When looking for a new insurance company, it is crucial to check financial ratings and customer reviews. These two sources tell us how credible a company is and whether it treats its customers with respect.

Commonwealth Insurance Services Financial Ratings

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

Unfortunately, Commonwealth Insurance Services is not rated by all major financial reviewers.

Commonwealth Insurance Customer Reviews

Customer reviews are without a doubt more important than financial ratings. These comments illustrate how the company treats its customers, whether it respects commitments and whether it sees customers as more than dollar signs.

Commonwealth’s Google reviews shine, and the company has 4.9 / 5 stars based on 68 customer reviews. Most contributions mention professionalism and responsiveness as some of the company’s key qualities, and many praise quality service and friendly agents.

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

Still, many customers repeat the feelings from Google’s 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 range of coverage to customers in Kentucky. The company is headquartered in Louisville, Kentucky, and has been around for over 10 years.

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

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

Overall, if you are looking for an insurance company in Kentucky, Commonwealth can be an exceptional choice. The ability to customize your plans and gather all of your coverage with one agency makes the Commonwealth a wise and practical decision for Kentuckians.


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