Table of Contents: Our TakePros & ConsCost & DiscountsCoverageState Availability | Our ConclusionCompare | Company Information | FAQs | Methodology

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.

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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, a user-friendly mobile app, and an A+ rating from the Better Business Bureau.

Although Capital Insurance group carries many positive attributes, it was unable to receive a higher score due to a user’s inability to get a quote without calling and its very limited service area of five states. We give Capital Insurance Group an overall score of 90.5 out of 100 on key metrics like coverage, cost, customer service, and more.

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



Pros & Cons

Learn about the positive and negative impacts of using Capital Insurance Group to insure your home:

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



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 CoverageAmount of Coverage
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 offers all six forms of industry-standard basic coverages.

Dwelling + other structuresCovers the cost of repairing or rebuilding your home, including detached structures, in the event of a covered loss
Personal propertyCovers the cost of damage or destruction of your personal items, like clothing, furniture, appliances, and electronics
Personal liabilityCovers 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 expensesCovers the costs from temporarily living away from your home, including accommodations and meals, due to covered loss
Medical payments to othersCovers 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



State Availability

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



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:

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Capital Insurance Group vs. the Competition

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


Capital Insurance Group



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Our Score




State Availability



47 (not available in AK, FL, or HI)

BBB Rating




Years in Business




24/7 Claims Service by Phone

Protective Devices/Safety Features Discount

Bundling Discount

Mobile App

*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



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+



Frequently Asked Questions



Our Methodology

The This Old House Reviews team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations.

With that in mind, we created an objective rating system to score each home insurance company. Here’s what that review process looked like:

  • We analyze the information on each company’s website. This allows us to determine what products and services are offered by each home insurance provider.
  • We get a sample quote from the companies by either talking to a sales representative or by using the online quote tool. This tells us what a policy looks like and costs.
  • We test customer service by talking to a company representative, finding out their hours of operation, and determining what technological features are available for customers.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home insurance companies against each other.

With this data, we created a rating methodology to score each home insurance company. Our rating system is a weighted, 100-point scale based on the following factors:

  • Coverage (30): We rated home insurance companies higher if they offered the six main types of homeowner protection—dwelling, other structures, personal property, loss of use, liability, and medical payments to others coverage.
  • State availability (7.5): Companies scored higher if they covered more states than their competitors.
  • Customer service (15): This factor is based on our communications with the company representatives, as well as the companies’ claims and quotes processes, availability throughout the week, and customer service information found on their websites.
  • Technology (12.5): Technology can increase the efficiency of filing and tracking home insurance claims. Companies scored higher if they had technology options like mobile apps and online chat functions.
  • Reputation (20): We gauged trustworthiness based on years of experience and Better Business Bureau (BBB) ratings.
  • Additional benefits (15): Companies that offered optional features, like discounts and endorsements, scored higher than competitors that didn’t.

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.

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