Choose an insurance:


Get Your Instant Florida Insurance Quote Here:

Florida Insurance Quotes

What Can We Help With?

Choose Insurance Type


Privacy Secured

Capitol Preferred Insurance Company

Capitol Preferred Insurance Company has provided independent agents throughout Florida with a line of competitive products and services in order to meet the needs of their customers. Capitol Preferred has incorporated a mission statement which promises superior customer service, competitive coverages, expedited claim service, and peace of mind. With over 27 million dollars in surplus, this company has an excellent financial standing with the Office of Insurance Regulation and Demotech.


Capitol Preferred Insurance Company can provide customers with a knowledgeable and friendly staff that are available to answer all questions. Customers also receive the option of secure online payments. With this feature, you can safely pay your premium safely online. Capitol Preferred also provides reliable claims services. Their staff and vendors work together to ensure an accurate assessment of coverage and damages. This company is dedicated to providing a quick and fair evaluation of each claim. Capitol can also provide customers with 24-hour policy information. Simply call toll free. In addition, you will receive all of your policy information and notices electronically, which eliminates the paper clutter of your life.


Products and Services Offered at Capitol Preferred Insurance Company


To become familiar with Capitol Preferred, here is a list of all the products and services they offer to customers. Always be sure to research the type of policy you need. In addition, if you have any questions be sure to ask your agent.

  • Homeowners – HO2, HO3
  • Dwelling Fire
  • Condominium – HO6
  • Renters – HO4
  • Flood Insurance
  • Identity Theft Protection




Homeowners Insurance at Capitol Preferred Insurance Company

Capitol Preferred dedicates all of their time to providing peace of mind to their customers when it comes to protecting their homes. With a homeowners policy from Capitol Preferred Insurance Company, your home will be protected from financial loss after a covered event. In fact, Capitol’s HO2 and HO3 policy will safeguard the structure of your home and your belongings inside. You will also be protected from any liability you may have due to injuries of others that occurred on your property.



Dwelling Fire Coverage at Capitol

A dwelling fire policy provides landlords and property owners with the tools they need to protect their investment and source of income. Usually, a Dwelling Fire policy provides coverage for the property, your personal belongings, liability claims, and displaced income of a peril that is rental or non-owner occupied.



Condominium Insurance

Condo policies offered from Capitol Preferred are pretty straight forward. A policy will simply cover your belongings and provide you with liability coverage within the walls of your dwelling. Usually, the owner’s condo or co-op association provides coverage for outside of the dwelling.


Renters Coverage at Capitol

Capitol wants to help tenants protect their personal belongings with one of their HO-4 properties. Typical coverages on an HO-4 policy is as followed:

  • Personal Property Coverage C: This provides coverage for the physical loss of or damage to the personal belongings located in the structure.
  •  Loss of Use Coverage D: This covers all additional living expenses that arise if your rental becomes uninhabitable due to a covered loss.
  • Personal Liability Coverage E: provides protection for the renter against claims made by others for bodily injury or property damage on the premises of the owner.
  • Medical Payments to Others Coverage F: this provides medical payments to persons other than the insured who are injured on the insured’s premises.



Additional Coverage Options with Capitol Preferred Insurance Company


Please be aware that Capitol Preferred Insurance Company offers additional coverage options. These include Equipment Breakdown, Flood, and Identity Theft Coverage. First, Capitol Preferred provides customers with the opportunity to purchase complete and affordable protection against home equipment repairs. This coverage type will allow you to have coverage for security system, electrical systems, personal computers, home electronics, appliances, heating and cooling systems, pool equipment, water heaters, and so much more.


Flood Protection

Capitol Preferred is considered as a Write Your Own flood coverage provider. They allow customers the chance to cover their homes against damages that are the most common and costly natural disasters in the US. Remember that your homeowners and renters insurance policies will not cover you against flood damage. In addition, if you live in a flood zone you should speak to an agent about purchasing this coverage. Even if you do not live in a high-risk zone, it is greatly recommended that you purchase coverage. Over 20% of flooding claims are for properties that are outside of high-risk zones. There are two types of Flood coverage available here at Capitol Preferred Insurance Company. These coverages are Building Property and Personal Property.


Identity Theft

Identity Theft coverage is also offered at Capitol Preferred. Capitol understands the need to protect your identity. Capitol offers customers a fully managed identity theft resolution service so you can recover your identity quickly with as little issues as possible.


There are nine different types of identity theft they are:

  • Child
  • Financial
  • Medical
  • Social Security
  • Drivers License
  • Criminal Employment
  • Insurance
  • Synthetic


If you want protection you can depend on, Capitol Preferred Insurance Company can give you just that. Not only do they offer many insurance products, but you also get a caring, responsible, and financially stable company. If you are interested in teaming up this company, grab a quote from us right here!

Comments are closed.