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Capitol Preferred Insurance Company

Capitol Preferred Insurance Florida

Capitol Preferred Insurance Company has provided independent agents throughout Florida with competitive products and services to meet their customers’ needs. Capitol Preferred has incorporated a mission statement that 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 to answer all questions. Customers also receive the option of secure online payments. With this feature, you can safely pay your premium online. Capitol Preferred also provides reliable claims services. Their staff and vendors work together to assess coverage and damages accurately. This company is dedicated to providing a quick and fair evaluation of each claim. Capitol can also provide customers with 24-hour policy information. Call toll-free. In addition, you will receive all of your policy information and notices electronically, eliminating 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 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 its time to providing peace of mind to its customers regarding 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 addition, Capitol’s HO2 and HO3 policies 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 investments and source of income. Usually, a Dwelling Fire policy offers coverage for the property, your personal belongings, liability claims, and displaced income of a rental or non-owner occupied peril.



Condominium Insurance

Condo policies offered by Capitol Preferred are pretty straightforward. A policy will 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 outside of the home.


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 are as follows:

  • Personal Property Coverage C: This provides coverage for the physical loss or damage to the personal belongings in the structure.
  •  Loss of Use Coverage D: This covers all additional living expenses if your rental becomes uninhabitable due to a covered loss.
  • Personal Liability Coverage E: protects the renter against claims made by others for bodily injury or property damage on the owner’s premises.
  • 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 allows customers to purchase complete and affordable protection against home equipment repairs. This coverage type will allow you to have coverage for security systems, 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 a Write Your Flood coverage provider. They allow customers to cover their homes against damages that are the most common and costly natural disasters in the US. Remember that homeowners’ and renters’ insurance policies will not protect 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 area, it is greatly recommended that you purchase coverage. Over 20% of flooding claims are for properties outside of high-risk zones. Two types of Flood coverage are 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. Therefore, Capitol gives customers a fully managed identity theft resolution service so you can recover their identity quickly with as few 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 it. 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. So, if you are interested in teaming up with this company, grab a quote from us right here!

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