First Capital Insurance Reviews
First Capital Insurance Overview
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
First Capital Insurance reviews show negative overall sentiment: consumers report poor customer service, problems with discounts and special offers, and a medium price level.
Positive Feedback
Some customers reported competitive premium quotes and occasional lower prices when purchasing homeowners or auto coverage.
Negative Feedback / Risk Areas
- Frequent First Capital Insurance customer complaints about aggressive selling and policies quoted not matching coverage.
- Billing issues including unexpected premium increases and disputed credit card charges, with some customers seeking refunds.
- Reports of cancelled homeowners insurance and agents no longer representing carriers.
- Allegations of unlicensed agents and improper staff handling of policies.
Key Takeaways for Future Customers
- Confirm agent licensing and ask for principal agent contact before buying.
- Carefully review policy documents and verify homeowners insurance and auto policy details.
- Monitor billing and card charges and request written acknowledgments for payments.
- Consider alternatives if prompt, clear customer service is a priority.
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
First Capital Insurance reviews show negative overall sentiment: consumers report poor customer service, problems with discounts and special offers, and a medium price level.
Positive Feedback
Some customers reported competitive premium quotes and occasional lower prices when purchasing homeowners or auto coverage.
Negative Feedback / Risk Areas
- Frequent First Capital Insurance customer complaints about aggressive selling and policies quoted not matching coverage.
- Billing issues including unexpected premium increases and disputed credit card charges, with some customers seeking refunds.
- Reports of cancelled homeowners insurance and agents no longer representing carriers.
- Allegations of unlicensed agents and improper staff handling of policies.
Key Takeaways for Future Customers
- Confirm agent licensing and ask for principal agent contact before buying.
- Carefully review policy documents and verify homeowners insurance and auto policy details.
- Monitor billing and card charges and request written acknowledgments for payments.
- Consider alternatives if prompt, clear customer service is a priority.
First Capital Insurance Customer Care Review
Horible service. Too much selling instead of listening to what im asking.
Policy quoted not the coverage gained. Unable to speak with principle agents to gain clarification
My Homeowners Policy got cancelled!
- - Signed up for home and auto through Ist. Capital.
- - Auto policy revised without my knowledge; charged $300+ monthly; homeowners policy not renewed.
Signed up for Home as well as Auto Insurance through Ist. Capital.
My auto policy was revised without my knowledge and my credit card was charged more than $300. monthly. I never signed an application for auto, was never notified about increase in premium. I communicated with the office via email mostly.
I had my credit card company disputed and refunded me.
I changed auto to different carrier.
Received mail from American Integrity Insurance Group stating my Homeowners Policy will not be renewed- 1st. Capital Insurance, Inc no longer represents them as a Voluntary Agent. Now have to look for new Homeowners Insurance!!
Poor service/ inadequate staff/ unlicensed individuals posing as licensed
- - No correspondence from Citizens; receptionists handled info.
- - Told to send colored pictures for a bill with no instructions; Vardi's service criticized.
Wow what an experience,never thought when I hired them to help me with homeowners insurance all I was supposed to do was pay them and the rest was up to me. No correspondence from them or a phone call when citizens needed better info.
They just let receptionists handle insuring my property. When I called to find out why Citizens sent me a new bill, I was told by the receptionist that I had to send colored pictures, no one explained how I was supposed to do this and the staff pretended they weren't there since it was 15 min away from quittin time...
what a joke, amatuers, folks beware you get what you pay for and Guy Vardi is the biggest joke, he was offended by my anger, great customer service skills Guy. Haven't heard the last from me....
New Homeowners insurance policy: not paid in full???
- - State Farm canceled my homeowners policy after 22 years; I switched to 1st Capital, paid $1,969, got a $793 bill, and I fear the Citizens policy isn't real.
My homeowners was cancelled by State Farm (I had them for 22 years). I waited until December to get another insurance policy in hopes of getting a better price after hurricane season was over. I got the insurance policy through 1st Capital Insurance and paid the premium of $1969 in full (which was a great price!).
Well, a week after the policy was issued and mailed to me along with a bill for $793! The agent even asked if I wanted to pay the premium in full or over time!
What should I do now??? I'm afraid this Citizens Policy isn't even real!!
1st Capital Insurance Theif and liar Mr. Vardi!
- - The check came after a month for $250.
- - I put in my two weeks and did not receive the check, with fraud concerns and unlicensed agents.
I work for this **** for a few short months. This **** finally paid me after a month and a half!!!
That's not the worse part, the check was only for $250!!! Are you kidding me Mr. V??!!! I put in my two weeks and still did not receive my check!!!
I am livid at this Guy Vardi! As far as the fraud goes, this **** hires people with no insurance license!!!! How in the world is that legal?? There is still people in his office selling and binding coverage!!
I am 100 percent sure of that. Moral of the story, something HAS to be done! How did this **** even get a chance to open an agency?? Let alone 2!!!
If anyone reading this is a customer of 1st Capital Insurance, I suggest you ask your "Agent" if him/her are licensed and switch insurance companies immediately!!!!!
L O S E R S =1st capt insurance
- - They claim the building is 'professional' yet uncertified, with proof.
- - They threaten to come to the door and say you will be chopped and screwed.
some "professional" building they have. Poor losers are not even certified and we do have the proof to prove it this time :) When the board comes ringing on the door this time, you are going to be chopped and screwed.
Have fun f*&%king everyone else over! Don't worry, we will continue to call and complain and get our money whether you like it or not. Suck it you *** ILLEGAL insurance douches! Victory will be ours for the win while you all sit behind bars and get stuck with legal fees.
Have a great day 1st Capital Insurance! You sure know how to *** ALL of us over :)
1st Capital Insurance (Guy Vardi): Insurance Fraud, Employee Abuse, and Theft
- - Alleges unlicensed staff handle key tasks.
- - Claims fraud; complaints filed.
- - Describes Guy Vardi as thief, liar, con.
I am pissed that this con is trying to represent the insurance industry but he will be investigated and also will lose his license for fraud. I have a 440 insurance agent license, I interviewed with Guy Vardi owner 1st Capital Insurance 2515 N SR-7 Ste 213, Margate Florida 954.623.6164 Ext:101 also owner in Tampa 3619 W Kennedy Blvd 3360* 813.739.8705 Ext: 10.
I asked some specific questions during the interview and was told don't worry about it. I started that Monday to find out a fellow student of insurance school was also their working. I asked her for the details on the operations to find out she gets paid minimum wage, recieves no bonuses for her deals, never recieved an appointment which are all essential as a licensed insurance agent and the company currently May 21 2010 has 5 UNLICENSED employees closing, informing, handling payments, coordinating and closing Homeowners insurance contracts as if they knew what they were doing and all unlicensed! THIS IS ILLEGAL!!!!!
This office can be shut down ASAP, IRS run through there and he will pull jail time! He is fattenning his pockets through intimidation, and the employees and customers don't both know that fraud is taking place. I quitly packed my desk and after 5 days was out. To *** with his $250 for the week, where do we live in Israel?
6 previous employees had all packed up and left once they put two and two together before me never to see their final pay. My fellow student had been fired the Weds before I left on Friday May 21, 2010 and has filed a complaint with the the Florida Department of Insurance (they regulate the whole insurance industry!), and the BBB and this will hopefully start the investigation process and maybe he will learn that you can't run insurance fraud on americans. I am embarassed for even having to mention this but proud for never lowering to his level and never feeling intimidated by this little kid punk, I thought he was hilarious for being such an idiot and obviously out of his gore not to think he will not land in jail very soon. He called me that Friday evening on my cell that it wasn't going to work out and to never return and hung up never to let me respond!
Why would I return and wasn't my cleared desk enough of a sign? He should have thanked me for not calling the authorities while I was there, for not causing a scene as I should have for all that I witnessed. He is highly confused on how to run a proper, legal, professional, respectful Insurance agency in Florida. I feel sorry for all the clients that don't know what they are dealing with.
I apologized to his one unlicensed employee that I befriended Zack that didn't know what was "really" going on. Guy Vardi is a thief, a liar, and a con.
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A notice about an increase in premium would have come directly from the auto carrier. Please call the office regarding your Homeowner's policy.
The American Integrity policies are being rewritten.
Thank you.