Cincinnati Capstone
Capstone Auto Coverage
Features:
- 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
Features:
- 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.
Features:
- 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.
Features:
- 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