May 17, 2018

Homeowners Insurance

Check Out our Homeowners Insurance Discounts


If you are 55 years old or older and work less than 20 hours per week you may qualify for savings up to 5%


Bundle your house insurance and auto or any property and casualty insurance policy, receive a rate reduction up to 5.1%

Prior Dwelling Insurance

Save as much as 1 - 3% when taking advantage of proof of prior homeowners or renters insurance.

New Purchase

We have special discounts for first time home buyer

Flood Insurance

Accept a multiply policy discount with flood insurance.

Smart Home

Enhance your premium reduction by taking advantage of the smart home technology opportunities



It is a requirement from the banks and mortgage companies that all homes that are financed maintain insurance to cover the home, in the event of catastrophic loss due to a fire, a natural disaster, hurricane, tornado, earthquake, or any named peril. However, this insurance is designed to repair or replace your home. Therefore, beware, when purchasing insurance for your home make sure you have replacement cost and not ACV which stands for actual cash value. In addition, see the explanation below for differences between replacement cost and ACV-actual cash value.

  1. Replacement cost is when the insurance company pays you to replace or repair your damaged or destroyed property at today's cost regardless of its current value. For example, it your home was build in 1965, and it cost $30,000 to build your home then it will cost $230,000 in today's market to rebuild your home. Hence forth, $30,000 will not even be enough to lay the foundation.
  2. ACV-actual cash value pays out on the current value and condition of your damaged or destroyed property. For instance, here is another example of ACV. If your Television cost $1,000 five years ago when you bought it brand new; ACV will only pay you $150 today because that is how much the pawn shop would sell you that same television for today.




  1. Replacing and or repairing damage to your home and other structures, for example fences, sheds, driveways, bushes and shrubs.
  2. Loss of use coverage pays for you to stay some place else while your home is under repair; in addition, this coverage is also available to those who have renter's insurance
  3. Personal property, such as furniture, clothing, sporting goods, and electronics, and much more.
  4. Medical payments for those who get hurt while visiting you
  5. Liability insurance to cover things like dog bites, slander and libel
  6. Stolen property while away on vacation or while students are away in school
  7. just to name a few

Deductibles can run as low as $250 per occurrence to as high as $2,500.00








Capital Insurance Agency of Raleigh, LLC

4104 Atlantic Avenue, Suite # 142

Raleigh, NC 27604

(P) 984-239-5522 / (F) 919-685-2530






Success is here to stay, we help you succeed at life, work, your business, and while you play.


To arrange a consultation or workshop, send us a message.