I’m not old enough to be a Grandpa, right? Certainly, my friends would agree, wouldn’t they? Nevertheless, I find myself already with two granddaughters and a grandson on the way. How thrilling! This brings great excitement, but can also bring insecurities. Insecurities over their future health, their faith in God, and the trials they’ll face […] Read More

When planning a large event, you want to think about everything going right rather than what may go wrong. Worst-case scenarios are difficult to discuss, but every good event planner prepares as best they can. Having your event covered in case of cancellation, property damage, or other unexpected incidents is essential. Event liability insurance adds […] Read More

According to a survey in 2018, the U.S. is by far the leading gun-owning country in the world, beating out the next country by more than 50%. While sales have declined during Trump’s presidency, industry data has clearly shown that gun sales have doubled over the past decade. Many Americans are exercising their right to […] Read More

It is the season for vacations. But it is not a vacation when you come home to find that your home as been burglarized while you were gone. Below are a few things you can do to reduce that risk while you are away. Don’t post pictures While it is tempting, don’t post pictures of […] Read More

Summer days bring all of us out of our houses and out into the sun to have some fun. Whether you are a landlubber or a boater, you have your summer toys that help you have some summer fun. But, those toys bring risk to you, your family and your financial security. Here are some […] Read More

Want to buy something you can’t see, can’t touch and don’t know if you will ever use? Not a great incentive to buy, is it? However, that is what many people feel they are buying when they purchase an auto insurance policy. At Capitol Insurance, we know that it’s fun to get a new car […] Read More

Businesses have several exposures relating to cyber liability and data breaches, but churches are certainly not immune from these same type of losses. Here are several helpful tips that can help any church protect their parishioner’s personal information. These tips can also help prevent the church from uncomfortable apologies and explanations to their members, as […] Read More

There is nothing you can do to prevent a hail storm from hitting your house, but if one does, here are some things you need to know as it relates to insurance protection: • Not all hail storms jeopardize the integrity of your roof. During most hail storms, roofs aren’t damaged because of the size […] Read More

The kids are grown up, have left the house, and now you and your spouse are empty nesters. How can you make the most of this new stage in life? What lifestyle changes might be impacted by this new transition that might need to be reflected by your insurance protection? Secure an Umbrella policy If […] Read More

While you shouldn’t choose a car based upon your insurance premiums, it doesn’t hurt to prepare for what it might cost. Make the choice based upon your needs. It is a bit similar to when someone asks, “Will my homeowner’s insurance premium go down if I put in an alarm system? Of course it will, […] Read More

Are you paying too much for your Auto and Homeowners Insurance? Consider these tips: Multi-Policy Discount Most insurance companies will give you a multi-policy discount for having both your auto and homeowners insurance with them. So, if you rent an apartment, carrying renters insurance won’t just give you the protection you need, and that your landlord […] Read More

There is something special about the holidays, especially Thanksgiving and the Christmas season. For most of us, it brings pleasant memories and an enjoyable time of year.  Of course, who doesn’t want the pleasantries of hot cocoa, cookies, gifts, and the warmth of a fireplace with your family with you? If I could condense it down […] Read More

Joanna Belbey, Contributor for Advisor Network, provides an excellent, potent “Best Practices” on avoiding cyber-attacks. If businesses and individuals would focus on these practices, they’d be much more safe and secure! Here are some brief observations on her 5 main “Best Practices:” Governance Boards, business owners, and other key employees must “buy in” to the […] Read More

There are many good camping destinations in Indiana. Having grown up in Indianapolis, I have always heard of many camping options. The following three are my personal favorite. As a daytrip, overnight backpacking escape, or a place to bring your RV, all have accomodations.        1. McCormick’s Creek State Park.  Just 53 miles […] Read More

The USA Gymnastics sexual abuse scandal brought a lot of attention to growing concerns for children while participating in sports.  This might have been the final catalyst motivating Congress to pass a new law, in late 2017, aimed at preventing child sexual abuse. The Protecting Young Victims from Sexual Abuse and Safe Sport Authorization Act […] Read More

(Memorial Day Weekend in Indy – a Time of Gratefulness!) What do cookouts, pool openings, and the Indianapolis 500 all have in common?  Two things:  Memorial Day Weekend. I am most grateful for Memorial Day Weekend because I often find myself reflecting on the values I hold most dear – values that guide my heart […] Read More

Most of your personal property is not specifically listed on your homeowners or renter’s policy. However, there are instances when certain high value items should be listed. (the insurance companies call it scheduling) Reasons to insure your high value items: Theft limitation. Did you know that policies have a limit for loss by theft on […] Read More

If your home or business suffers water damage, would it be covered under your insurance policy?  A homeowner’s insurance policy, and commercial (business) property policy are very similar in what they do and don’t cover relating to floods and other water damage losses. There are 4 common types of water damage claims that can occur, […] Read More

Everyone should consider purchasing a personal umbrella policy. Umbrella insurance won’t protect you from getting wet, but can certainly protect you from the storms of life! For most people, an umbrella is purchased to provide higher liability limits above their current auto or homeowners/renters policy.  An umbrella is purchased in increments of $1,000,000, and generally […] Read More

One thing most people generally do not put down as a New Year’s resolution is to review their insurance.  Whether you consider an insurance review a resolution or not, you should consider it annually! Below are 3 reasons why you should do so. Savings There are many factors that can increase your premiums, whether they […] Read More

Emotionally, you may be in agreement with the title, “Your Insurance Company Is out to Get You!” However, I’m here to tell you that this is one of the biggest misconceptions about the insurance industry. William Penn once said:  “Justice is the insurance which we have on our lives and property. Obedience is the premium […] Read More

Here in the midwest, we get crazy weather. Sometimes we get rain and snow in the same afternoon! When there are heavy snow falls or buildup, it’s possible for ice dams to form. The dams are ice or snow on the roof or gutters which stop the roof from draining. Why do ice dams form? In most cases, […] Read More

If you are have been claims free for five years or more, Capitol Insurance may have a way of reducing your premiums. Read More

The economic turmoil of recent times has been concerning. Many people are wondering, “what effect will this have on my insurance?” This year we’ve seen the government spend $85 billion on rescuing AIG. In addition, a cluster of hurricanes has wreaked damage on the seaboard. Does this mean premiums are going to rise? According to […] Read More