Optional Coverages for Your Commonwealth Home Insurance Policy
Because your insurance needs depend on your house, location, and personal preferences, Commonwealth has optional coverages available. Policyholders can add additional protection for even more peace of mind.
Service Line Coverage
You might think the utility company is responsible for footing the bill for pipes, wiring, and other service lines going into your home, but that isn’t always the case.
For instance, homeowners are responsible for repairs on a portion of the electrical wires and the meter base. As you might imagine, repairs can be costly.
Commonwealth ’s service line coverage can pay for piping and wiring for home services like water, electrical, or internet connections.
Water Backup
According to the Insurance Information Institute, nearly half of insured homes have a water damage claim every year. Repairs for water damage can add up fast.
But water backup protection can cover the cost of damage or repairs if water backs up through sewers, drains, sump pumps, or similar equipment.
It’s important to note that standard homeowners insurance does not include flood damage. A separate flood insurance policy is required to protect against floodwater damage. Even with Commonwealth ’s water backup coverage, your policy won’t cover the damage if a flood is the cause of the water backup.
Special Computer Coverage
Your standard homeowners policy may not cover all the computer devices in your home. More expensive equipment can require additional coverage.
Making sure your computer and gaming equipment are protected is what special computer coverage is for.
You should consider adding this to your Commonwealth home insurance if you own a pricey laptop, desktop, tablet, gaming console, or related equipment.
Golf Cart Liability Protection
Some states, including Arizona, require golf cart insurance. Most standard homeowners insurance policies won’t cover golf carts.
Even if your state doesn’t require it, a policy can cover the costs if your golf cart is stolen or damaged. It can also provide liability protection if the golf cart causes serious damage or injury.