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.
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 Plus
SM
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.
Identity Fraud Protection Option
American Commerce offers Identity Theft Fraud Expense coverage to cover expenses incurred as a result of resolving an occurence of identity fraud.
In addition to the coverage, you have access to Identity Theft 911®, the national leader in identity management and fraud education, its highly experienced fraud experts will lead you through the resolution process one-on-one until your identity is fully restored. One phone call will provide you with access to:
- Systematic notification to credit bureaus, creditors and collectors, government agencies, police and other relevant parties.
- Preparation of all documents and phone calls needed to resolve your identity theft, including placing fraud alerts.
- Direct assistance with filing a police report, creating a fraud victim affidavit, plus a comprehensive case file to assist law enforcement and claims handling.
- A 3-in-1 credit report and one year of credit monitoring.
- One year of fraud monitoring of more than 1,000 databases to identify fraudulent use of your stolen identity.
Free identity theft resource center
To stay on top of the latest scams and schemes, visit
http://www.americancommerceidentitytheft.com regularly. There you'll find a wealth of ongoing education and preventive resources, including up-to-the-minute news alerts, in-depth articles and newsletters.
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:
Protective Devices
Multi-Policy
|
Loyal Customer
New Purchase Credit
Renters Conversion Credit
|
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.
