Additional Coverages


Capitol Preferred provides our customers the opportunity to purchase complete and affordable protection against home equipment repairs through its Equipment Breakdown endorsement. This endorsement provides our insureds protection for all important home systems and property due to loss by mechanical or electrical breakdown.

This includes coverage for your home security systems, electrical systems, personal computers, home electronics and appliances, heating and cooling systems, swimming pool equipment, water heaters, well pumps, garden tractors, and more.


Capitol Preferred is a Write Your Own (WYO) flood coverage provider that allows our customers the opportunity to protect their homes from one of the most common and costly of natural disasters. Since Homeowners and Renters Dwelling policies do not typically cover flood damage, it is important for insureds to speak with their agent about purchasing this coverage even if their property is not located in a high-risk flood zone. In fact, over 20% of flood claims are for properties located outside of high-risk zones.

Flood insurance covers direct physical loss caused by a flood or an excess of water on land that is normally dry. The two types of Flood Insurance coverage available are Building Property (up to $250,000) and Personal Property (up to $100,000).


Capitol Preferred understands the need to protect your identity and guard against the consequences that could occur if you become a victim of Identity Theft. That is why Capitol Preferred offers our customers a “fully managed” identity theft resolution service in order to recover their identity quickly and with as little disruption as possible.

Capitol Preferred has your back for all nine (9) types of Identity Theft including:

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