The main parts of a policy
- Dwelling
- Other structures
- Personal property
- Liability
- Loss of use
A policy covers your home, belongings, liability and living costs.
Insure the cost to rebuild.
Dwelling coverage should match what it would cost to rebuild, not the market price.
The deductible trade-off
Higher deductible
Lower premium, more out of pocket per claim.
Lower deductible
Higher premium, less out of pocket per claim.
Usually not covered
Flood and earthquake usually need separate policies, and CapCenter’s licensed agents can quote both.
Compare carriers
Compare carriers with CapCenter’s licensed agents to see whether you can save. We review your policy each renewal to make sure you are not paying too much for your insurance.
