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American Commerce is rated “A+” (Superior) by A.M. Best.
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Home/Renters/Condominium Coverage
Caring for what matters most.
Whether your residence is near the coast, in the city, on the outskirts or town or in the country, American Commerce offers a broad range of coverage options to protect your home, your possessions, you and your family.
Protection You Can Trust
No matter what size your home, condo or apartment may be, you’ll be very comfortable with the flexibility and value we offer. American Commerce can provide you with exceptional additional coverage options:
 Replacement Cost Coverage for the Contents of Your Home
If you were to lose everything – in a fire, for example – the difference between the replacement cost contents coverage and the actual cash value coverage of many standard policies could mean a staggering difference in the total benefits you’d receive. This coverage allows you to help get your life back to normal without incurring huge financial losses.
Water / Sewer Backup Coverage Option
Most insurance companies offer only limited endorsement coverage for damage caused by water backup from sump pumps, sewers or drains. American Commerce offers a broad range of Water / Sewer Backup limits from $5,000 - $50,000, which is especially valuable for homeowners who have invested in basement remodeling or who store valuable items in their basements.
Identity Fraud Protection Option
Adding Identity Fraud Expense Coverage to your policy will protect you should you fall victim to identify fraud. This optional coverage will help pay for items such as reasonable attorney fees and the loss of earnings accumulated from time spent away from work to resolve the identity fraud case.
Scheduled Personal Property Option<
Adding the Scheduled Personal Property endorsement to your policy will allow you to have broader coverage protection on special possessions such as jewelry, watches, fine art, antiques or collectibles.
Beyond the Basics With
HomeMaster PlusSM & HomeMaster Elite
Why hassle with adding extra features one by one? Just add HomeMaster PlusSM
or Elite! Extend your policy’s basic protection to cover a wide range of circumstances not covered by most standard policies. The HomeMaster policy feature is a “package discount” on popular endorsements that protect against a wide range of circumstances, and may include increased liability limits, water and sewer back-up coverage, replacement cost coverage on the contents of your home, lock replacement, and much, much more! Contact an American Commerce agent today to see beyond the basics with a HomeMaster plan that’s right for you.
More Ways to Reduce Your Rates
American Commerce offers many discounts and credits to save you money.
Discounts and credits are subject to availability by state. Speak with your agent to determine whether you qualify for any of the following:
Depend on Your Agent
Your agent will help you to understand your coverage options, allowing you to make an informed decision as to the best available options that will meet your needs. You can trust that your agent will make your insurance buying process as simple as possible, keeping your best interests in mind. Locate an American Commerce Agent nearest you and obtain a quote today.
Note: Coverages are subject to policy terms and conditions. Limits, exclusions and deductibles may apply. Coverages, credits and discounts vary by state and may not be available in every state. Discounts and credits may not apply to all coverages or vehicles.
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