Cincinnati Capstone


Capstone Auto Coverage


  • Vehicle value – in the event of a total loss you will receive the full agreed upon value of your vehicle. (Agreed upon prior to the loss)
  • New car replacement for the current model year
  • Original equipment manufacturer parts
  • Rental vehicle without a daily expense limit ($15,000 cap)
  • No deductible for replacement of airbags, glass repair/replacement, child safety restraint seat replacement, lock replacement or injury to a pet
  • Emergency expenses – you recover your emergency repair, towing and labor if your vehicle is disabled, including delivery of gas, tires or a battery
  • Trip interruption expenses – if your vehicle is damaged or breaks down when you’re traveling you can recover expenses such as meals and lodging

Capstone Personal Articles Coverage


  • Receive credit for storing pieces in a vault
  • A lower deductible than your homeowner’s policy is available
  • Worldwide protection for your scheduled property when you are traveling
  • Receive protection for up to 90 days for items acquired and not yet added to your policy
  • Automatic jewelry coverage increase to keep up with jewelry trends, more at your request
  • Protection against theft/damage while your jewelry is with a commissioned designer
  • Borrowed jewelry and fine arts coverage
  • Blanked coverage for collections of items less than $50,000 without providing specific limits

Capstone Excess Flood Plus Coverage

Your home does not need to be in a flood zone to be affected by this natural disaster. In fact, all 50 states have experienced floods in the past five years, making almost all homeowners vulnerable. It only takes a few inches of water to cause thousands of dollars of damage to your home.


  • Full replacement cost of dwelling in certain areas
  • Coverage for detached garages and other structures
  • Payment for reconstruction costs to your basement
  • Replacement of basement contents, such as furniture, décor, appliances and electronics
  • Additional living expenses should you not be able to stay in your home during repairs
  • Emergency expenses to protect your residence from imminent danger of flood

Capstone Employment Practices Liability Coverage

Sometimes you need a little extra help around the house. Do you employ a: dog walker, gardener, nanny, housekeeper, pool keeper or personal assistant?

If so, this coverage is especially built to protect you. A Cincinnati Umbrella Policy and our Employment Practices Policy work together to give you additional layers of liability coverage against discrimination, sexual harassment and wrongful termination.


  • Defense costs against covered allegations of wrongful employment acts
  • A toll-free hotline as often as needed for employment practices advice and procedures
  • Up to $25,000 in reasonable fees and expenses to minimize the potential for a loss
  • Reasonable fees and expenses when a reputation management firm is engaged to minimize an injury to your reputation


These are examples of optional coverages available and this this is not a policy. For a complete statement of coverages and exclusions please see the policy contract and contact your agent to find out what insurance products work best for your needs.