FL & TX Licensed Independent Agency

Your Protection
is Our Priority.

Capital Insurance Underwriters is an independent agency committed to protecting individuals, families, and businesses with customized coverage from highly rated carriers.

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Coverage Areas

States Served

Florida

Texas

100%

Personalized

About Us

Who We Are

Capital Insurance Underwriters is an independent insurance agency committed to helping individuals, families, and businesses protect what matters most. By partnering with highly rated insurance carriers, we provide customized coverage solutions, competitive pricing, and exceptional service tailored to your needs.

Highly Rated Insurance Carriers

Customized Coverage Solutions

Licensed in Florida & Texas

Competitive Pricing & Exceptional Service

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What We Cover

Our Coverage Areas

Eight areas of personal, commercial, and specialty coverage — all tailored to your unique needs.

Home Insurance

Protect your home and belongings with tailored property coverage.

Auto Insurance

Comprehensive vehicle coverage for every driver and fleet.

Commercial

Liability and commercial policies to keep your business protected.

Flood Insurance

Expert flood coverage for FL and TX coastal and inland risks.

Commercial Property

Protect your business location, equipment, and inventory.

Recreational

Boats, ATVs, RVs, motorcycles — protect what you love to do.

Pet Insurance

Keep your pets covered and your finances secure.

Mortgage Protection

Peace of mind for your family if the unexpected happens.

Our Approach

Built on Precision and Trust

We are not a call center. We are an experienced underwriting firm that takes the time to understand your exposure, your goals, and your future — then structures coverage precisely tailored to you.

Underwriting ExpertiseDeep industry knowledge — no generic packages, no one-size-fits-all recommendations.
Personalized SolutionsEvery quote built from scratch around your unique risk profile and priorities.
Florida & Texas CoverageLicensed and experienced across both states — hurricanes, flooding, severe weather and beyond.
Accessible & ResponsiveReach us by phone, fax, or email. We pick up when it matters most.

States Served

Florida

Texas

100%

Personalized

Specialty Coverage

Recreational & Marine Insurance

From offshore fishing boats to personal watercraft, ATVs, RVs, and motorcycles — we specialize in protecting the things you love to do. Our recreational coverage is tailored to your lifestyle and built for Florida and Texas waters and roads.

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