Home insurance is one of those things most homeowners know they need, but few truly understand. Policies are packed with unfamiliar terms, coverage limits are easy to overlook, and premiums seem to rise year after year with little explanation. For many people, insurance becomes a set it and forget it decision until a claim, a renewal shock, or a coverage gap brings it back into focus.
At CapCenter, we believe insurance should work the same way the rest of your home financing experience does. Clear. Transparent. Centered around your savings and your protection. Our in house Insurance Team exists for one simple reason. To make sure our clients are properly covered without overpaying, and without the hassle that usually comes with shopping for insurance.
Suite of Savings Services
CapCenter did not always offer insurance. Mortgages came first. Realty followed. Around 2020, we started seeing insurance premiums rise year after year, often faster than expected and with very little explanation. Insurance had quietly become another major cost tied to owning a home. One that was rarely reviewed and almost never optimized. The result was higher monthly expenses and, in some cases, another barrier standing between buyers and affordable homeownership.
From CapCenter’s perspective, this was a problem we knew how to solve.
Just like closing costs, commission structures, and lending fees, insurance premiums were an area where better information, better shopping, and better timing could lead to real savings. Adding insurance was not about expanding services for the sake of expansion. It was about removing another unnecessary cost from the homeownership equation and giving clients a smarter way to manage one of their largest recurring expenses.
Insurance became a natural extension of CapCenter’s mission to help clients save money not just at closing, but throughout the entire life of owning a home.
What Makes CapCenter Insurance Different
CapCenter is known for doing things differently in mortgages and real estate, and our insurance approach follows the same philosophy. We don’t push a single carrier, we don’t rely on one-size-fits-all policies, and we don’t disappear after closing.
Instead, our Insurance Team operates as a long-term partner for homeowners, focused on three core principles: choice, clarity, and savings.
Access to 30+ Insurance Carriers
Rather than representing one insurance company, CapCenter’s Insurance Team shops policies across more than 30 national and regional carriers. This matters because insurance pricing and underwriting vary widely from carrier to carrier. One company may penalize a certain roof type, while another rewards it. One may favor newer homes, another older ones. One may price aggressively on auto, another on home.
By shopping multiple carriers, our team can:
- Compare real pricing instead of estimates
- Identify meaningful coverage differences, not just premium changes
- Match clients with carriers that fit their specific property and risk profile
This approach consistently uncovers better options than homeowners find on their own. Our goal is simple. Smart coverage. Fair pricing. No unnecessary complexity.
Annual Policy Reviews That Matter
One of the most important parts of CapCenter’s insurance approach is what happens after the policy is in place.
Insurance markets change constantly. Carriers adjust rates. Replacement costs increase. Discounts expire. A policy that made sense a few years ago can quietly become overpriced.
That is why CapCenter reviews client insurance policies annually. Each year, our team takes another look at your coverage and shops it against the market. Sometimes staying with the current carrier is still the right move. Other times, switching leads to meaningful savings. Either way, clients get clarity instead of surprises.
These annual reviews play a big role in helping clients keep long term insurance costs under control.
Home and Auto Insurance That Delivers Real Savings
The biggest savings we find for most clients come from bundling home and auto insurance. When policies are bundled correctly, carriers often offer stronger pricing and coverage can be aligned more effectively.
We are finding clients looking to bundle their home and auto insurance an avg of 25 percent in annual savings. Sometimes the savings are even greater. Just as important, coverage often improves because everything is reviewed together instead of in isolation.
For many homeowners, this is the first time their insurance feels organized and intentional rather than pieced together over time.
Coverage Beyond the Basics
CapCenter’s Insurance Team helps with more than just home and auto insurance. We also insure the things that tend to get overlooked or handled separately.
That includes motorcycles, RVs, ATVs, boats, and other recreational vehicles. These policies come with unique coverage needs and pricing differences that can be difficult to navigate alone. We also offer life insurance for clients who want to protect their families and plan ahead in a way that feels straightforward and manageable.
Keeping these policies under one roof makes insurance easier to manage and easier to understand.
Insurance That Fits Into the Bigger CapCenter Experience
Because insurance is handled in house, it works seamlessly with CapCenter’s mortgage and realty teams.
During a home purchase, insurance is coordinated early so nothing slows down closing. During a refinance, coverage is reviewed to keep escrow and monthly payments aligned. After closing, changes to your home or lifestyle can be addressed without starting over or re explaining your situation.
Everything works together, which saves time and reduces stress.
Getting Started Is Simple
If you are wondering whether you could be saving on your insurance you can request a free fast quote from our website. Once submitted, CapCenter’s Insurance Team begins shopping your coverage across multiple carriers to look for real, sustainable savings. No pressure. No obligation. Just answers.
Explore your savings today! Get a Quote!
The Bottom Line
CapCenter added insurance in 2020 because rising premiums were becoming a real issue for homeowners. Today, our Insurance Team helps clients protect what they own while keeping costs in check.
By shopping multiple carriers, bundling home and auto insurance, reviewing policies annually, and working alongside our mortgage and realty teams, CapCenter delivers insurance that fits the way people actually live and own homes.
If you have not reviewed your insurance recently, it may be worth seeing what savings are possible. Contact us today , shoot us an email at insurance@capcenter.com, or request a quote online!
