Insurance is a vital component of financial planning and protection, providing peace of mind during unexpected events. However, with the rising costs of living, finding ways to save money on insurance premiums is a smart financial move. At Capitol Benefits, we believe in empowering our clients with knowledge to make informed decisions and achieve financial […]
In the world of insurance, striking the right balance between coverage and cost is crucial for both individuals and businesses. One effective strategy to achieve this balance is to increase your deductibles, which can lead to lower premiums. In this blog post, we will explore the concept of deductibles, the benefits of increasing them, and […]
Hyundai and Kia vehicles have become increasingly popular due to their affordability, reliability, and fuel efficiency. However, this popularity also makes them attractive targets for car thieves. To protect your investment and ensure the safety of your vehicle, it’s crucial to take preventive measures against auto theft. In this blog, we’ll share some top tips […]
Introduction As of May 31, 2023, the state of Virginia has enacted a new underinsured motorist law, which aims to protect drivers and passengers from the financial consequences of accidents caused by underinsured motorists. This new law brings significant changes to the way underinsured motorist coverage works in the state, and it is crucial for […]
In this article, we cover what ordinance or law coverage is, how it works, and the 4 major things ordinance includes. A homeowner’s insurance policy only covers certain events in your home, like fires and floods, while others are not covered, like theft or vandalism. As a result, some homeowners find gaps in their coverage […]
As a homeowner, it’s important to consider adding reconstruction cost coverage on your homeowners policy. In this article, we share everything you need to know about reconstruction cost coverage. Your homeowner’s policy aims to protect your property and keep you financially covered in an accident or disaster. Reconstruction cost coverage, also known as RCC, gives […]
Curious about the Erie Rate Lock? In this article, we share how insurance companies rate auto policies and insight on the benefits and features of the Erie Rate Lock. Everything from food to transportation in the United States is becoming more expensive due to inflation. Insurance premiums are naturally rising alongside inflation. For example, costs […]
In the insurance world, you will find two types of agents: Independent insurance agencies and captives. In this article, we share the benefits of choosing an independent insurance agent for all your insurance needs. In the insurance world, you will find two types of agents to choose from: independent and captive (meaning they work directly […]
Curious about loss assessment coverage? In this article we share what loss assessment coverage is, how much it costs, and help you determine if you need this on your homeowner’s insurance policy. Loss assessment coverage is an endorsement on your homeowner’s insurance policy that pays to repair or replace your home after damage occurs, typically […]
Do good drivers really get rewarded in auto insurance? If you’ve been a safe driver for years and are due for a policy renewal, check out our list of top companies that give their customers a big discount. How To Get Good Driver Rewards on Your Auto Insurance Policy? So you have been driving responsibly […]
