Capitol County Mutual Fire Insurance Company: Customer Ratings & Reviews [2024]

Capitol County Mutual Fire Insurance Company has stood as a reliable pillar in the insurance landscape, delivering a century of steadfast commitment to providing affordable and dependable coverage for homes, autos, farms, and ranches in Texas.

UPDATED: Feb 18, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Feb 18, 2024Fact Checked

Laura Gunn

Insurance and Finance Writer

Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare.  Her experience in various industries has helped develop both her ...

Insurance and Finance Writer

Zach Fagiano

Licensed Insurance Broker

Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...

Licensed Insurance Broker

UPDATED: Feb 18, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Feb 18, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Feb 18, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Feb 18, 2024Fact Checked
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Capitol County Mutual Fire Insurance Company

Average monthly rate for good drivers:

$100

A.M. Best rating:

B++

Complaint level:

Low

Pros

  • Comprehensive fire insurance coverage
  • Customer satisfaction
  • Financial stability

Cons

  • Limited coverage options
  • Individual experiences may vary
  • Lack of information

Final Verdict: Review of Capitol County Mutual Fire Insurance Company

Capitol County Mutual Fire Insurance Company has been providing quality insurance coverage to Texans for over 100 years, offering a range of products, including home, auto, farm, and ranch insurance. The company’s mission is to provide affordable rates for quality coverage, and it has a low complaint level and a B++ rating from A.M. Best.

Although it only operates in Texas, it offers multiple types of insurance products and discounts to its customers. However, its digital tools and online features are limited, which may not be suitable for those who prefer managing their policies online.

If you are looking for reliable and affordable insurance coverage, Capitol County Mutual Fire Insurance Company is a name that you can trust. With over 100 years of experience, the company offers a range of products and services to meet the unique needs of its customers. In this review, we will explore the history, mission, products, and services of Capitol County Mutual Fire Insurance Company, as well as the cost of its offerings, states where it operates, discounts available, and customer reviews.

What You Should Know About Capitol Insurance

Company Contact Information:

  • Company name: Capitol County Mutual Fire Insurance Company
  • Address: 3100 S. 1st St., Austin, TX 78704 Phone: 1-800-728-2843
  • Website: www.capitolcounty.com

Related parent or child companies: Capitol County Mutual Fire Insurance Company is an independent insurance company and does not have any parent or child companies.

Financial ratings: Capitol County Mutual Fire Insurance Company has a B++ rating from A.M. Best, indicating a good financial strength and stability.

Customer service ratings: No specific information about customer service ratings.

Claims information: No specific information about claims information.

Company apps: The company’s online features and digital tools are limited, but no specific information about any company apps.

Capitol Insurance Coverage Options

Capitol County Mutual Fire Insurance Company offers a variety of insurance products to its customers, including:

  • Homeowners Insurance: which provides coverage for damages to the structure of the home, personal property, and liability protection
  • Auto Insurance: which provides liability coverage for bodily injury and property damage, as well as coverage for collision, comprehensive, and uninsured/underinsured motorists
  • Farm and Ranch Insurance: which provides coverage for farm dwellings, farm personal property, farm liability, and farm autos
  • Umbrella Insurance: which provides additional liability coverage beyond the limits of primary insurance policies
  • Dwelling Fire Insurance: which provides coverage for damages to a dwelling not occupied by the owner, such as rental properties or vacation homes
  • Mobile Home Insurance: which provides coverage for mobile or manufactured homes and their contents
  • Personal Property Insurance: which provides coverage for personal belongings, including jewelry, furs, and fine arts
  • Flood Insurance: which provides coverage for damages caused by floods that are not covered by standard homeowners insurance policies

Read more: Top Texas Mobile Home Insurance Providers

These coverage options offer customers the flexibility to choose the insurance products that best fit their needs and provide peace of mind in the event of unexpected losses or damages.

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Capitol Insurance Rates Breakdown

Driver ProfileCapitol County Mutual Fire Insurance CompanyNational Average
Clean Record$130$119
1+ Ticket$160$147
1+ Accident$180$173
DUI$200$209
Poor Credit$224$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Capitol Insurance Discounts Available

DiscountCapitol County Mutual Fire Insurance Company
Anti Theft21%
Good Student25%
Low Mileage22%
Paperless8%
Safe Driver24%
Senior Driver15%

Capitol County Mutual Fire Insurance Company provides a selection of discounts to help customers optimize their insurance coverage while keeping costs in check. These discounts include:

  • Multi-Policy Discount: Enjoy savings when you bundle multiple insurance policies with Capitol County Mutual Fire Insurance Company, such as combining home and auto insurance.
  • Safe Driver Discounts: If you have a clean driving record, you may qualify for discounted rates as a reward for your safe driving habits.
  • Good Student Discount: Families with young drivers who excel academically may be eligible for a discount, encouraging and rewarding responsible behavior on and off the road.
  • Home Safety Features Discount: Investing in safety features for your home, such as security systems or smoke detectors, can lead to additional discounts on your homeowners’ insurance.
  • Anti-Theft Device Discount: Equipping your vehicle with anti-theft devices can not only enhance security but also qualify you for discounts on your auto insurance premiums.
  • Claims-Free Discount: Capitol County Mutual Fire Insurance Company values customers who maintain a claims-free history, and as a result, you may receive discounts for your commitment to safety and loss prevention.
  • Renewal Discounts: Loyalty pays off with renewal discounts, rewarding customers who choose to stay with Capitol County Mutual Fire Insurance Company for the long term.

These discounts can help customers save money on their insurance premiums while still receiving quality coverage from Capitol County Mutual Fire Insurance Company.

How Capitol Insurance Ranks Among Providers

Capitol County Mutual Fire Insurance Company operates in a highly competitive industry with several other insurance companies offering similar products and services. Some of the company’s main competitors include:

  • State Farm: One of the largest insurance companies in the US, State Farm offers a range of insurance products including auto, home, life, and health insurance.
  • Allstate: Another major player in the insurance industry, Allstate offers a range of insurance products including auto, home, life, and renters insurance.
  • Nationwide: A well-known insurance company offering auto, home, and life insurance, as well as pet insurance and retirement products.
  • Farmers: Farmers offers a range of insurance products including auto, home, life, and business insurance.
  • USAA: A popular insurance company that serves members of the military and their families, USAA offers a range of insurance products including auto, home, and renters insurance, as well as banking and investment services.

These companies offer similar insurance products and services to Capitol County Mutual Fire Insurance Company, and compete for customers based on factors such as price, coverage options, and customer service.

Frequently Asked Questions

What is Capitol County Mutual Fire Insurance Company?

Capitol County Mutual Fire Insurance Company is an insurance company that provides fire insurance coverage to individuals and businesses. They offer policies that protect against losses caused by fire, smoke, explosions, and other related perils.

How can I access customer ratings and reviews for Capitol County Mutual Fire Insurance Company?

To access customer ratings and reviews for Capitol County Mutual Fire Insurance Company, you can visit various online review platforms, such as insurance review websites, social media platforms, and consumer advocacy websites. These platforms often allow customers to share their experiences and rate the company based on their interactions and satisfaction.

What is Capitol County Mutual Fire Insurance Company?

Capitol County Mutual Fire Insurance Company is an insurance company that provides fire insurance coverage to individuals and businesses. They offer policies that protect against losses caused by fire, smoke, explosions, and other related perils.

How long does it typically take for Capitol County Mutual Fire Insurance Company to process and settle a claim?

The time taken to process and settle a claim can vary depending on several factors, such as the complexity of the claim, the availability of necessary documentation, and the company’s internal processes. It’s best to reach out to Capitol County Mutual Fire Insurance Company directly to inquire about their average claim processing and settlement times.

Can I cancel my policy with Capitol County Mutual Fire Insurance Company?

Yes, you can typically cancel your policy with Capitol County Mutual Fire Insurance Company. However, the specific cancellation process and any applicable fees or penalties may vary. It’s advisable to review your policy documents or contact the company’s customer service to understand the cancellation procedure and any associated implications.

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Laura Gunn

Insurance and Finance Writer

Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare.  Her experience in various industries has helped develop both her ...

Insurance and Finance Writer

Zach Fagiano

Licensed Insurance Broker

Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...

Licensed Insurance Broker

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for Capitol Insurance

3.70 (3 reviews)
1
June 17, 2019

JD69

Thieving crooks

DO NOT GO WITH CAPITAL INSURANCE COMPANY!! If you do you’ll be kicking yourself in the [REDACTED WORD]. I added a car to my policy which they told me it would be $136 for both vehicles but when I saw the deduct $264 out of my account and being told it was because of and increase in rates was a black face LIE!! They said the increase happened in December of 2018. Ok but I added my other car in February of 2019. Now how does that increase affect ...
DO NOT GO WITH CAPITAL INSURANCE COMPANY!! If you do you’ll be kicking yourself in the [REDACTED WORD]. I added a car to my policy which they told me it would be $136 for both vehicles but when I saw the deduct $264 out of my account and being told it was because of and increase in rates was a black face LIE!! They said the increase happened in December of 2018. Ok but I added my other car in February of 2019. Now how does that increase affect me if the $136 was given to me on a new declaration then to turn around and double the rate with another declaration. I canceled the policy immediately!! Now they took out $264 and said they will give me a check for $80 back. What kind of thieves are these people? Again I will stress DO NOT USE THIS COMPANY. This is why this company is losing customers. You’re better off going with a legitimate company. Not a fly by night company who will rob you blind. They still have no explanation of why my rates doubled. They are crooked and you will lose money to these money hungry thieves trust me. If you already have them cancel immediately before they steal from you any further!!!
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