Homeowners   |   Renters   |   Condominium   |   Dwelling & Fire   |   Flood

To Protect Your Home, Your Possessions and You

Protecting your home, your family and your personal belongings is very important to both you and Capitol Preferred Insurance Company. You want a valuable policy that can meet your protection needs and your budget. Like a Capitol Preferred Property and Casualty Homeowners Policy.

Losses You Can Suffer As A Homeowner...  

You could suffer financial losses caused by:

• Damage to your home 
• Damage to your personal belongings 
• Theft 
• Non-auto related lawsuits 
• Injury to others on your property

And these are just a few of the perils that could cause major damage to your property:

• Fire  
• Smoke  
• Windstorm and Hail  
• Explosion  
• Vandalism  
• Structural Collapse  
• Falling Objects  
• Water or Stream Leakage

Why A Capitol Preferred Property and Casualty Homeowners Policy?

Our Homeowners Policy offers six essential coverage's including coverage for your home, any other structures on your premises, personal property, losses of use of your home, personal liability and medical payments. You can individualize your policy based on your protection needs, by adding your choice of endorsements. You can also save money with many homeowners' discounts. Plus, you will have a policy issued by a company you can trust to be there when you need it the most.

Special Endorsements That Extend Your Protection

• Personal Property Replacement Cost  
• Scheduled Personal Property Endorsement

Capitol Preferred Insurance Specializes In Two Homeowners Polices

• A standard homeowner's policy will cover all ranges of homes as well as protection classes 9 and 10 at an affordable price.  
• Our Preferred Homeowner's Policy has a complete package of special coverages. If you own a higher valued home you may be eligible for our Preferred Homeowners Policy.

This combination of popular protection features and endorsements are offered to you at one attractive price. 

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The Protection You Need For You And Your Possessions 

Do you have adequate renters insurance to protect yourself if: 

• You are a victim of one of the approximately 3 million burglaries that are reported each year?
• A fire destroys your possession?
• You are confronted with one of the thousands of lawsuits filed each year?

Coverage's Provided in Our Renters Policy 

Our Renters Policy provides specific protection against:

• Damage to, or destruction of, your personal property
• Theft of your personal property
• Injury to other people
• Damage to others' property

Our Policy covers common losses to personal property caused by: 

• Theft-on and off premises
• Fire
• Smoke
• Wind and Hail
• Explosion
• Vandalism
• Water and Steam Leakage
• Falling Objects
• Lighting

Essential Coverage's 
Capitol Preferred Insurance Renters Policy contains four essential coverage's. They each benefit you in a different way. 
  
Personal Property Protection

• Furniture, clothing, housewares, tools, appliances and most other belongings that you own are protected against fire, theft and many other losses, which are listed in the policy.
• Your appliances are insured against electrical power surges.
• Your personal property is protected at home or anywhere in the world, subject to certain exclusions.
• Certain belongs of other are protected while on your premises

Loss of Use of Your Rented Home 
If you cannot live in your rented apartment/home because damage covered by our policy has made all or part of your home temporarily uninhabitable, Capitol Preferred will pay necessary extra living expenses* for you and your family. This includes extra expenses for hotel, meals, laundry and more. 

• Up to the coverage amount purchased. 

Personal Liability Protection 
Liability coverage provides protection against personal liability losses, such as those resulting from a lawsuit filed against you. This includes coverage for bodily injury to others-with the exception of injury caused by an automobile. It also includes property damage resulting from your personal activities or conditions on your property. 

Medical Payments Protection 
Medical Payments coverage pays up to $1,000 per person for injuries to other persons while on your property or who are injured through your personal activities.  

Special Coverage's Can Extend Your Policy Protection 

• Personal Property Replacement Cost
• Schedule Personal Property Endorsement

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The Protection You Need For Your Condo, You and Your Possessions

• You are a victim of one of the approximately three million burglaries that are reported each year? 
• You are confronted with one of the thousands of lawsuits filed each year? 
• A fire in your condominium destroys your possessions? 
• You are required to contribute money for storm damages to the clubhouse in your condominium complex? 

Coverage's Provided in our Condominium Policy 
 
Our policy provides protection against:

• Damage to, or destruction of, your personal property 
• Damage to, or destruction of, your additions and alterations to your condo 
• Theft of your personal property 
• Injury to other peoples property 
• Damage to others property 

Our policy covers common losses to personal property caused by:

• Theft-on and off premises 
• Fire 
• Smoke 
• Wind and Hail 
• Explosion 
• Vandalism 
• Water and Steam Leakage 
• Falling Objects 
• Lighting 
• Riot or civil commotion 
• Vehicles or aircraft hitting your home 
• Freezing 

Essential Coverage's 
Capitol Preferred Insurance Condominium Policy contains four essential coverage's. They each benefit you in a different way. 

Personal Property Protection 

• Furniture, clothing, housewares, tools, appliances and most other belongings are protected against fire, theft and many other losses, which are listed in the policy. 
• Your appliances are insured against electrical power surges. 
• Your personal property is protected at home or anywhere in the world, subject to certain exclusions. 
• Certain belongs of others are protected while on your premises. 

Loss of Use of Your Condominium 
If you cannot live in your condominium because damage covered by our policy has made all or part of your unit temporarily uninhabitable, we will pay necessary extra living expenses* for you and your family. 

• Up to the coverage amount purchased. 

Personal Liability Protection 
Liability coverage provides protection against personal liability losses, such as those resulting from a lawsuit filed against you. This includes coverage for bodily injury to others-with the exception of injury caused by an automobile. It also includes property damage resulting from your personal activities or conditions on your property. 

Medical Payments Protection 
Medical Payments coverage pays up to $1,000 per person for injuries to other persons while on your property or who are injured through your personal activities. 

Special Coverage's Can Extend Your Policy Protection 

• Personal Property Replacement Cost 
• Schedule Personal Property Endorsement 

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The Protection You Need For You and Your Possessions 

We offer these important coverages:

• Dwelling Coverage
• Other Structures
• Rental value
• Landlord's furnishings
• Trees, shrubs, plants and lawns  

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Appointed as a Write-Your-Own (“WYO”) carrier with the National Flood Insurance Program since 2005, Capitol Preferred is please to offer this valuable product to your agency. National Flood Services (“NFS”) is our exclusive vendor for underwriting, customer service and processing your flood business.

Capitol Preferred pays the most competitive commission in the industry. For an appointment please contact our marketing department at 1-866-471-8855 x. 609 or marketing@preferredmanaging.com

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