Review of 2023 Cincinnati Homeowners Insurance

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.

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.

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

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:

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  Bundling car and home insurance with Cincinnati.
  

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  Owning a newer home.
  

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

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  Installation of a centrally monitored alarm network.
  

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.

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.

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.

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

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.

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.