Cincinnati Insurance Homeowners policies sold by independent agents in the U.S. Compare my Rates Overview pros & cons Options for coverage Less than the average Average set of discounts NAIC complaints Far fewer than expected Compare my Rates Cincinnati Insurance Homeowners policies sold by independent agents in the U.S. Overview pros & cons Options for […]

Cincinnati Insurance

Homeowners policies sold by independent agents in the U.S.

Options for coverage

Less than the average

Average set of discounts

NAIC complaints

Far fewer than expected

Cincinnati Insurance

Homeowners policies sold by independent agents in the U.S.

Options for coverage

Less than the average

Average set of discounts

NAIC complaints

Far fewer than expected

Cincinnati Insurance sells homeowners insurance policies via independent agents. Cincinnati Insurance offers homeowners insurance in all 50 states, despite the company’s name. The insurer offers customized policies for standard houses and more comprehensive coverage for homes with higher values.

How do we rate homeowners insurance providers

Star ratings are based upon consumer complaints data from the National Association of Insurance Commissioners, financial strength grades from AM Best, coverage and discounts available, and overall consumer experience. Check out our criteria for evaluating home insurers.

Why NerdWallet is a trusted source of information

Cincinnati home insurer star rating

Cincinnati homeowners insurance received 4.5 stars overall for performance. Our editorial team determines NerdWallet’s ratings. The formula for scoring homeowners insurance takes into consideration policy coverage options and discounts as well as ease of filing a claim. It also considers website transparency, financial strength, and complaint data from National Association of Insurance Commissioners.

State availability

Cincinnati Insurance sells homeowners’ insurance policies in all 50 states, except Alaska, Louisiana Mississippi, Oklahoma, South Dakota, and South Dakota.

Home insurance coverage

While you can personalize your homeowners insurance with many add-ons and options, the following are the most common types of coverage:

Types of coverage

What does it do

Repair or rebuild your home.

Covers damage caused by unattached structures like a shed or fence.

Repairs or replaces personal property such as clothing or furniture.

You can pay for meals at restaurants, hotel stays and other expenses while your home is being repaired.

Indemnity for legal expenses and damages in the event of injuries or damage to property or persons other than you.

Medical Payments

Injuries to your guests at home are covered regardless of fault.

Cincinnati Insurance offers additional coverage beyond the ones listed above. It also provides a service that can help protect your home against wildfires in certain Western states.

Your policy may allow you to include the following options:

  • Personal Cyber Coverage , which covers the cost of recovering lost data, responding to extortion requests, and recovering from online fraud.

  • Additional replacement cost coverage , which pays up 25% more to rebuild your house after a natural disaster.

  • Coverage for water damage , which covers damage caused by backed-up drains or a malfunctioning sump pumps.

Homeowners Plus is a package of additional coverage offered by the company. This endorsement can be added to your policy and will provide you with:

  • You will get replacement cost coverage for personal belongings. This means that you’ll be able to purchase new replacements for any damaged or destroyed items. The insurer will reduce your payout if you don’t have this coverage to reflect the loss of value of your belongings in the period since they were purchased.

  • Higher credit card coverage in the event that someone steals or uses your card without your permission.

  • Additional coverage for valuable items like jewelry or watches.

  • Refrigerated Items Lost in an Appliance Breakdown or Power Failure.

Cincinnati Insurance offers comprehensive policies that include some of these benefits for policyholders who have higher-value properties. These policies come with higher limits as well as a variety of optional add-ons.

Cincinnati’s Executive Capstone policy covers houses over $1 million. It includes guaranteed replacement costs for homes in all 50 states. This coverage will cover you for any amount necessary to rebuild your home following a covered catastrophe, regardless of whether it exceeds your dwelling coverage limit.


It all depends on where you live. You may be able save money on your homeowners insurance by:

  • Bundling car and home insurance with Cincinnati.

  • Owning a newer home.

  • Allowing claims to be made for a specified period of time.

  • Installation of a centrally monitored alarm network.

Customer complaints

Cincinnati Insurance received far fewer complaints than expected from state regulators in relation to its size. This is according to three years of data from National Association of Insurance Commissioners.

Consumer experience

Website: The Cincinnati Insurance website provides basic information about homeowners and other types insurance, as well as a search function for agents. To make payments online, view policy documents, and file claims, create an account.

App: The Cincinnati app provides policy information, bill payment, claims reporting, and contact details for agents. Available for both iOS & Android.

Claims: You have the option to report a homeowners’ claim online, via the mobile app, or by calling 877-242-2544. Your agent can also be reached by phone. You can also check the status of your claim online or via an app once you have filed it. See how to file a claim for home insurance.

Customer service: Contact your agent directly or call 888-242-8811 to get assistance with your policy. Email [email protected] Customer support is available Monday through Saturday in the Eastern Time Zone.

Where Cincinnati Insurance stands out

Customer service. It treats its policyholders with respect, as evidenced by the company’s low volume of complaints.

There are options for homes with high-value properties. Cincinnati policies that cover expensive homes come with high coverage limits, as well as many perks.

Where Cincinnati Insurance falls down

No online quotes. Agents are required to provide homeowners insurance in Cincinnati.

Are you looking for Cincinnati home insurance?

Cincinnati Insurance might be the right fit for you if your needs are specific. You might want to consider other options if you are looking for instant online quotes.

Cincinnati Insurance might also be a good choice if you own a home of high value and require comprehensive coverage.

There are other home insurance companies you should consider

Are you not ready to make a final decision? These other companies offer homeowners insurance:

  • Allstate. It is available in many places across the United States and you can customize your policies.

  • Farmers. You get to enjoy benefits like a lower deductible and claim forgiveness.

  • Hippo. Hippo.

  • Progressive. Progressive customers who want to bundle their policies are best.

Questions frequently asked

What are the other types of insurance Cincinnati offers?

Cincinnati Insurance sells life, business, umbrella, and watercraft insurance.

Cincinnati Insurance is a good company.

Cincinnati Insurance has been around since 1950. It’s also received high financial strength ratings by agencies like AM Best and Fitch. For a company this size, it also receives significantly fewer complaints from customers.

How can I obtain a Cincinnati homeowners policy?

Independent agents are the best way to sell Cincinnati Insurance policies. On the company’s site, you can find one close to you.