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Capital Insurance Group Home Insurance Reviews

Capital Insurance Group offers extensive home insurance coverage in five states. Read this Capital Insurance Group review to find out if the company is the right provider for you.

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As a homeowner, it’s normal to worry about worst-case scenarios, like a fire breaking out, a lightning strike hitting your house, or your home being burglarized. A home insurance policy can help alleviate some of these concerns, as it helps protect your property from the unexpected in exchange for a monthly premium.

But selecting the best home insurance company for you can be a difficult task. Not all home insurance policies are equal. Some exceed others in terms of coverage, cost, customer service quality, and more. The This Old House Reviews Team created this in-depth Capital Insurance Group review to help you determine if it’s the best fit for your needs.

Table of Contents

  • Our Take
  • Pros & Cons
  • Coverage
  • Availability
  • How Much Does Capital Home Insurance Cost?
  • Reviews of Capital Insurance Group
  • Capital Insurance Group vs. the Competition
  • Our Conclusion
  • Frequently Asked Questions

Our Take

Capital Insurance Group offers comprehensive coverage, including less common optional add-ons like workers’ compensation. The home insurance provider has more than 120 years of experience, 24/7 customer service, and an A+ rating from the Better Business Bureau.

The company does have just one review on the Better Business Bureau, and it’s negative. Also, its service area is extremely limited since it’s available in only five states. We give Capital Insurance Group an overall score of 90.01 out of 100 on key metrics like coverage, cost, customer service, and more.

Capital Insurance Group has no complaints on its Better Business Bureau profile.

Pros & Cons

Compare the advantages and disadvantages of Capital Insurance Group home insurance.

Capital Pros & Cons

Pros Cons
Pros Cons
24/7 customer service Only available in five states
More than 120 years of experience No online quote
A+ BBB rating


Capital Insurance Group offers all six forms of industry-standard basic coverages.

Capital Coverage

Type Description
Type Description
Dwelling + other structures Covers the cost of repairing or rebuilding your home, including detached structures, in the event of a covered loss
Personal property Covers the cost of damage or destruction of your personal items, like clothing, furniture, appliances, and electronics
Personal liability Covers the cost of legal fees in the event you are sued after a guest suffers an injury on your property
Loss of use/additional living expenses Covers the costs from temporarily living away from your home, including accommodations and meals, due to covered loss
Medical payments to others Covers the medical costs for injuries that occur to others while on your property

Capital Insurance Group offers a variety of optional endorsements to allow you to customize your coverage:

  • Extended dwelling replacement cost coverage
  • Contents replacement cost
  • Identity theft protection
  • Appliances and electronics breakdown
  • Service line
  • Workers’ compensation


Capital Insurance Group’s service area is limited to five states:

  • Arizona
  • California
  • Nevada
  • Oregon
  • Washington

How Much Does Capital Insurance Group Cost?

The exact cost of your Capital home insurance premium depends on many factors, including your property value, its size, the materials it was constructed with, where you live, the coverage limits you select, the insurance deductible you choose, and more.

We received an instant quote for a single-family, roughly 1,350-square-foot home in Monterey, California. The monthly premium came out to $122.33.


Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $416,000
Other structures $41,600
Personal property $291,200
Loss of use/additional living expenses $83,200
Personal liability $1,000,000
Medical payments to others $3,000
Monthly Cost $122.33


Capital Insurance Group offers a homebuyer’s discount, multi-policy discount, and protective devices discount.

Capital Insurance Group Reviews

Capital Insurance Group is not accredited by the Better Business Bureau and holds an A+ rating from the organization. However, its profile only features one review, which has a 1-star rating. The lone Capital Insurance Group review refers to auto insurance and personal insurance.

Michael C. said:

“Steer clear this company, it’s completely selfish and will NOT help you as the insured. At the time of loss, I have six cars on my policy. I carry the highest coverage possible $500,000 and $1 million umbrella with another $1 million on my property as well. I was involved in a NOT at fault accident and the other insurance company accepted 100% responsibility for the loss causing myself with $0 out of pocket so I’m told I figured I would use MY insurance company (cig)to handle the claim. Worst mistake of my life. I was beaten down but CIG. My loss was on a brand new Honda Pilot elite less than 10 months old. I pay an extra premium on top of my auto coverage for audio and video equipment as well Long story short this company completely screwed me over.”

Capital Insurance Group vs. the Competition

See how Capital Insurance Group stacks up against some of its top competitors on key metrics.


Provider Capital Insurance Group Lemonade Amica®
Provider Capital Insurance Group Lemonade Amica®
Get a Free Quote Not available through This Old House Not available through This Old House
Our Score 90.01 83.50 96.60
State Availability 5 23* 47 (not available in AK, FL, or HI)
BBB Rating A+ B+ A+
Years in Business 122 5 113
24/7 Claims Service by Phone
Protective Devices/Safety Features Discount
Bundling Discount
Mobile App X

*Lemonade home insurance is available in AZ, CA, CO, CT, GA, IL, IN, IA, MD, MA, MI, MO, NV, NJ, NY, OH, OK, OR, PA, TN, TX, VA, WI

Our Conclusion

Capital Insurance Group offers comprehensive home insurance coverage, including less common endorsement options like workers’ compensation. The company provides 24/7 customer service and has been in the industry for more than 120 years.

Unfortunately, its limited service area only covers five states, and in order to get a phone call, you need to speak with a local insurance agent over the phone. Overall, we give Capital Insurance Group a score of 90.01 out of 100.

To find the best provider for your needs, we recommend getting quotes from multiple home insurance companies that serve your area. You can do so by calling 855-948-5219 or entering your zip code below:

Company Information

  • Company name: Capital Insurance Group
  • Company type: Private
  • CEO: Arne Chatterton
  • Year founded: 1898
  • Headquarters: 2300 Garden Road, Monterey, CA 93940
  • State availability: 5
  • BBB rating: A+

Our Methodology

The This Old House Reviews Team values accuracy, transparency, and trust. With that in mind, we created an objective and comprehensive rating system to score each home insurance company based on the following six factors:

  • Coverage (30)
  • State availability (7.5)
  • Customer service (15)
  • Technology (12.5)
  • Reputation (20)
  • Additional benefits (15)

Our Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.

Frequently Asked Questions

What coverage does Capital Insurance Group offer?

Capital Insurance Group offers a variety of business and personal insurance options. Its homeowners insurance includes all six types of standard coverage, along with a variety of endorsements.

How do customers rate Capital Insurance Group?

As of September 2020, Capital Insurance Group held a one-star rating from customer reviews on the Better Business Bureau.

What states does Capital Insurance Group cover?

Capital Insurance Group offers home insurance in Arizona, California, Nevada, Oregon, and Washington.

To share feedback or ask a question about this article, send a note to our Reviews Team at