Cookouts, Pool Openings, and the Indy 500

Cookouts, Pool Openings, and the Indy 500

Tony Grahn – May 28, 2018

(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

Does My Insurance Cover Me If I Drive for Uber or Lyft?

Does My Insurance Cover Me If I Drive for Uber or Lyft?

Jim Tice – May 21, 2018

Transportation Network Companies (TNCs) allow drivers to use their personal cars to transport passengers who contact them through an app. (like Lyft and Uber) These apps are gaining in popularity, both for drivers and passengers. We know of no reason someone should hesitate in booking a ride with one. However, if you are a driver, […] Read More

What Liability Coverage's Should a Church Have?

What Liability Coverages Should a Church Have?

Adam Murray – May 15, 2018

In some ways, insurance hasn’t changed much over the years. If your building burns down, insurance has always been there to replace it. If you crash your car, your friendly neighborhood insurance agent was there with a settlement check. For churches, however, there has been growing exposures that from time to time are often overlooked. […] Read More

How Do I Insure High Value Items?

How Do I Insure High Value Items?

Tony Grahn – May 9, 2018

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

Pre-Ride Motorcycle Prep & Local Motorcycle Routes

Pre-Ride Motorcycle Prep & Local Motorcycle Routes

Jim Tice – April 30, 2018

If you own a motorcycle, now that warmer weather is finally here, you are undoubtedly ready to hit the road and enjoy the wonderful freedom that only a motorcycle can bring.  Before taking your first ride there are a few things you should do. Assuming you properly prepared your motorcycle for winter storage (fuel stabilizer and […] Read More

Why Is My Homeowner’s Premium Increasing?

Jim Tice – April 16, 2018

Maybe you have noticed that your homeowner’s premiums have increased quite a bit in recent years and wondered why?  We don’t like it any more than you do, but it is due to factors outside our (or your) control. Consider these facts: There has been unprecedented hail activity in the past several years in our […] Read More

April Showers Bring Ma..ssive Floods

Tony Grahn – April 9, 2018

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

Don’t Be Fooled by the Phrases

Adam Murray – April 2, 2018

The most important part of your insurance policy is the agent who puts it together. I say this because insurance can be very technical, and often confusing. Having a knowledgeable professional walk you through your policy can make all the difference at claim time. There is a minefield of insurance lingo and phrases that can […] Read More

Decisions for Graduates – Car and Housing Insurance

Jim Tice – March 26, 2018

This spring many new college graduates will take their place in the work force.  They will face the first of many lifetime financial decisions.  Since many graduates have been covered under their parent’s policies, they will now need to buy these coverage’s themselves.  Here are a couple of tips: Car Insurance When to come off […] Read More

Top 5 Reasons You Should Get Under an Umbrella (Insurance Policy)

Tony Grahn – March 19, 2018

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

How to Plan a Successful Spring Break Trip

Daniel Crichlow – March 12, 2018

Are you planning a Spring Break trip? Before you make all of your final plans, think about these five things: 1.  What is the culture like where I am going? If you’re traveling outside of the U.S., or to a different state, make sure you research cultural norms. In some countries, pointing with your index […] Read More

How Do I Kick the Cloudy Weather Blues?

Adam Murray – March 5, 2018

Cloudy weather got you down? It happens to the best of us. Although I generally enjoy cool, cloudy weather, sometimes we just want some sunshine. Here are some of the ways that I cope with less than desirable weather. Exercise Getting to the gym or doing some cardio right in your own living room can […] Read More

What Does Wedding Insurance Cover and Why Do I Need It?

Adam Murray – February 19, 2018

As a newly engaged man, the last thing I want is for disaster to strike our special day. Unfortunately, there are many dangers that our wedding is exposed to. Thankfully, wedding insurance can be a great way to protect the investments you have made in your wedding day. Not all wedding protection policies are the […] Read More

Valentines Day Date Ideas

Jacquelyn Bennett – February 12, 2018

Valentines Day is only 2 days away! Do you have plans? Below are some simple Valentines Day date ideas to make your day special. For the Homebody’s Cook a meal together and watch a movie (Candy from the Dollar Store makes the movie extra fun!) Cuddle on the couch and read your favorite books. Have […] Read More

Should I Review My Insurance Annually?

Tony Grahn – February 5, 2018

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

What Makes a Company Worth Representing?

Daniel Crichlow – January 29, 2018

I have often been asked why I don’t carry one company or represent another. This leads to the question: What makes a company worth representing? Would you do business with a company that intentionally cut corners? What if they had a reputation of saying no? Surely, you wouldn’t! And we wouldn’t do business with a […] Read More

What is Underground Utility Coverage?

Jim Tice – January 22, 2018

Many of the conveniences of a modern home depend upon something underground, like a water or sewer pipe, or telephone and power lines.  When an underground utility is damaged or wears out, repairs can be very expensive.  What’s more, you couldn’t buy insurance to cover the cost of repair. That is, until now. The Good […] Read More

What I Didn’t Know About Auto Insurance

Adam Murray – January 15, 2018

You’ve heard the saying, “Ignorance is bliss.” In the insurance world, nothing could be farther from the truth. I will forever remember the first time I dealt with insurance. I had just got my license and was ready to be out on the road. The thrill of independence and responsibility was pulsing through the steering […] Read More

Which Christmas Gifts Should Be Added to My Insurance?

Jim Tice – January 8, 2018

We all know that our personal property is covered under our homeowners policy. However, did you know that coverage is limited for some property?  Now that we have given and received Christmas gifts, now is a good time to see if anything we own, especially any new Christmas gifts, are subject to these limits on […] Read More

5 Reasons Christmas Is Significant

Adam Murray – December 24, 2017

Christmas is a time when as Christians, we celebrate the Creator of the world, who stooped down to take the form of a man. But what is the significance of this doctrine (the incarnation), and how is it relevant to us today? It Opens Up Scripture The incarnation helps us to see that the Old Testament […] Read More

Ways to Give Back This Christmas Season

Jim Tice – December 18, 2017

Receiving gifts is enjoyable, but not nearly as rewarding as giving.  There are so many worthy causes, No one can afford to donate to all of them, but below are some ideas you should consider. 10 Ways to Give Back Visit a homeless shelter and donate blankets, gloves, socks, hats, or coats. We would recommend […] Read More

What Do I Do with My Motorcycle During Winter?

Jim Tice – December 13, 2017

With good motorcycling days gone, it’s helpful to review the steps for storing your motorcycle during winter. This will allow it to start and run well when spring rolls around.  Attention needs to be paid to both the fuel and ignition systems. Clean Your Fuel Tank. Fuel left in a tank over the winter can gum […] Read More

New Years Preparations

Jacquelyn Bennett – December 11, 2017

Cheers to a new year and another chance for us to get it right. Oprah Winfrey If you are like me, this quote might resonate with you. When New Year’s comes, all I can think about is the missed opportunities from the past year. Accomplishing most things in life is not easy. Below is a […] Read More

Why Should I Use an Independent Agent?

Daniel Crichlow – December 4, 2017

Have you heard that independent agents are the best way to buy insurance? Is this really the best choice for you or is it just another scheme for someone to make money? After some research, I think you’ll agree independent agents are the way to go, and here’s why: Being independent means they are loyal […] Read More

Why Should I Schedule Contents?

Adam Murray – November 20, 2017

The most overlooked aspect of insurance is scheduling property on a homeowners or renters policy. Many people don’t know why they need to schedule contents. Or, even worse, they don’t know what to schedule. Hopefully, this article will help serve as a guide. There are generally 3 major reasons to schedule your property: Eliminate Sub-limits […] Read More

Your Insurance Company Is out to Get You!

Tony Grahn – November 13, 2017

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

How Much Should You Pay for an Insurance Deductible?

Daniel Crichlow – November 10, 2017

As you most likely know, your insurance deductible is what you have to pay in the event of a claim. Most companies offer many different deductibles–$250, $500, $1,000, etc. So, how do you know you have the right deductible? My rule of thumb with deductibles: never turn in a claim unless it is double your […] Read More

Securing Our Website And Your Future

– October 27, 2017

Capitol Insurance has a commitment to securing your future. Part of that commitment means taking the security of our website seriously. Capitol Insurance does NOT store any of your personal information on our website. However, we do redirect to company websites which allow you to submit payments. Redirect Attack One attack which malicious actors frequently […] Read More

What Do You Mean It’s Not Covered?

Adam Murray – October 23, 2017

Insurance can be very technical and confusing. Try to understand what is an is not covered on your policy and you’ll end up with a headache. What most people don’t know, is that an independent agent can walk you through the details of your policy. Too many people assume that their policy covers certain things, only […] Read More

How Can I Save Money on My Insurance?

Daniel Crichlow – October 18, 2017

Can you really save premium without cutting coverages? I hear this a lot, and the simple truth is, YES! I consistently work with clients who are fed up with trying to penny pinch while still staying safe. Trying to save money while maintaining quality coverage can be tricky. You have to pick the right combination […] Read More

6 Fall Activities near Indy

Jacquelyn Bennett – October 16, 2017

You’re walking outside, under a cloudless, deep blue sky, and hear the crunch of fallen leaves under your feet. You breathe in the cool crisp air and somehow you can tell that fall is here. For many people, Fall wouldn’t be complete without pumpkins, cider, hayrides and more. However, it is easy for some of […] Read More

Cold Weather Tips for Winter

Jim Tice – January 10, 2017

As winter is coming closer, now is a good time to review the things we need to do to prepare our homes and cars for the harsh winter conditions.  Here is a quick checklist to help you make sure you are prepared: Cold Weather Home Tips Protect Your Pipes Leave faucets dripping. Drain water from […] Read More

Three C's of Insurance

The Three C’s of Insurance

Daniel Crichlow – January 9, 2017

Insurance can be a complicated concept. But just like the diamond industry has simplified purchases to three C’s, so too can insurance be simplified. The next time you’re looking for insurance, remember the Three C’s. Read More

Time To Raise Your Coverage

Jim Tice – September 9, 2016

I’m sure no one has to tell you how high medical costs are today.  Premiums for health insurance policies continue to rise much faster than the inflation rate.  You can hardly read the news without hearing about a health insurance company leaving a state. This hit home to me when I recently had back surgery.  My […] Read More

Reducing Car Insurance Costs

How Can I Reduce My Car Insurance Costs?

– August 15, 2016

For many people, the primary cost of their car is the insurance. This is especially true if you own a luxury car or own your vehicle outright. The thrift-minded among us are always looking for ways to save a few bucks. So if you’re car insurance cost is just too high, here are some tips. […] Read More

An icy road is many driver's worst nightmare.

Icy Road Survival Tips

Jacquelyn Bennett – January 29, 2016

If you live in the Midwest, you know what it is like to wake up one morning to snow falling. You also know what it is like when salt melts the snow, and how in the morning all of the melted snow has frozen into a thin sheet of ice covering the road. While you […] Read More

Christmas trees are beautiful, but can be dangerous.

Christmas Tree Fire Safety Tips

Jacquelyn Bennett – November 9, 2015

December. Snow falling, cookies in the oven, wrapping gifts, time with loved ones, the smell of pine, and the warm glow of a Christmas tree. The Christmas tree is one of the most common things you will find in a house during the Christmas season. Every year people all over the world decorate it with […] Read More

Ice dams building up on a roof.

Eliminate Your Ice Dams

Tony Grahn – January 17, 2012

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

Credit and How it Affects Your Insurance Premium

Credit: Why Does it Affect My Insurance Premium?

Jim Tice – June 10, 2011

On the surface, it doesn’t make sense. The way a person manages their finances doesn’t seem connected to how they drive. And it certainly doesn’t feel related to home insurance claims. But, statistics is a weird and wonderful field. Numerous studies have shown conclusively people with high credit scores file fewer claims. This means that insurance companies […] Read More

blow out candles to reduce the risk of house fire

Candle Fire and How to Prevent It

Jim Tice – March 14, 2011

Nothing is more warm and cozy than snuggling up in a candle lit room. But that same light which radiates warmth into our hearts can have devastating effects if it spreads. Over the years, I have had the privilege to walk alongside people as they deal with the aftermath of a house fire. Many of these were […] Read More

Economy and its Effect on Insurance Premiums

Tony Grahn – June 8, 2010

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