Do you rent an apartment? Renters insurance provides coverage for your personal belongings as your landlord is only responsible for the dwelling/building.

Do you own a condominium? Condo insurance is different than homeowner insurance. The structure is covered by the condominium master policy, however, the master policy may not provide for all of the coverage that is necessary.

With any of the above policies, condominium or renters, we will be able to provide the endorsement, HO 0490 Personal Property Replacement Cost. This valuable endorsement would replace your contents without depreciation, in fact, getting new for old.

Smoke Detectors
Discount for having smoke detectors in your home.

Home Security
Discounts for Burglar and Fire Alarms, Dead Bolt, and Automatic Sprinklers

Non Smoker
Discount by being a non smoking household.

Mature Credit
If you are age 55 and older and one of the named insured's is retired.

Home/Auto
If you insure your auto and home through Commerce Insurance, you can recieve 15% on your homeowners premium.

Your homeowners policy does provide very BROAD contents coverage in the event of a loss, BUT it does have LIMITATIONS on certain items. You can schedule a valuable item onto your homeowners policy for a minimal premium. By doing this, you are ensuring the item is covered for all perils.

Common items that can be added as scheduled property:

• Jewelry
• Furs
• Cameras
• Musical Instruments
• Silverware
• Golfers Equipment
• Fine Arts
• Bicycles