Cincinnati Homeowners Insurance Review 2025
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Cincinnati Insurance
Coverage options
Discounts
NAIC complaints
Cincinnati Insurance
Coverage options
Discounts
NAIC complaints
Consider Cincinnati home insurance if…
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About Cincinnati home insurance
Cincinnati homeowners insurance earned 4.5 out of 5 stars for overall performance.
Cincinnati Insurance sells homeowners insurance policies through local independent agents. Despite the company’s name, Cincinnati homeowners insurance is available in most U.S. states. The insurer offers customizable policies for standard homes plus more comprehensive coverage packages for higher-value homes.
How Cincinnati home insurance stacks up
Various coverage options.
Far fewer complaints than expected for a company of its size.
Has special coverage packages for higher-value homes.
No online quotes.
Where Cincinnati home insurance stands out
Customer service. The company’s ultra-low rate of consumer complaints suggests that it treats its policyholders well.
Options for high-value homes. Cincinnati’s policies for expensive houses come with high coverage limits and lots of perks.
Where Cincinnati home insurance falls short
No online quotes. Cincinnati homeowners policies are available only through agents.
State availability
Cincinnati Insurance sells homeowners insurance policies in all states except Alaska, Louisiana, Mississippi, Oklahoma and South Dakota.
Standard Cincinnati home insurance coverage
You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:
Dwelling. Pays to repair or rebuild the structure of your home.
Other structures. Covers damage to unattached structures such as sheds or fences.
Personal property. Pays to repair or replace personal belongings such as furniture or clothing.
Loss of use. Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.
Personal liability. Covers legal expenses and damages if you're responsible for injuries to other people or their property.
Medical payments. Covers injuries to guests in your home, regardless of fault.
For more details, see What Does Homeowners Insurance Cover?
Beyond the standard types of coverage above, Cincinnati Insurance also offers a service to help protect your home from wildfires in select Western states.
Optional Cincinnati home insurance coverage
You may be able to add the following options to your policy:
Identity theft coverage, which pays up to $25,000 toward expenses related to regaining your identity.
Personal cyber coverage, which pays to restore lost data, respond to extortion demands or recover from online fraud.
Water damage coverage, which pays for damage from backed-up drains or a malfunctioning sump pump.
For policyholders with higher-value homes, Cincinnati Insurance offers more comprehensive policies with higher limits and a wide range of optional add-ons.
For example, Cincinnati offers an Executive Select policy for homes with a dwelling coverage limit of $750,000 or above. This policy includes extended replacement cost coverage, which pays up to double your dwelling coverage limit to rebuild your home after a disaster in case it costs more than expected.
Cincinnati’s Executive Capstone policy for houses that would cost $1 million or more to rebuild includes guaranteed replacement cost for your home in most states. With this coverage, the company will pay whatever it takes to rebuild your home after a covered disaster, even if it’s above your dwelling coverage limit.
Optional add-ons include equipment breakdown coverage, which can pay to repair or replace major home appliances, and service line coverage for power and other utility lines.
What’s not covered
Most homeowners insurance policies, including those from Cincinnati, generally won’t cover damage from:
Floods.
Earthquakes.
Neglect or lack of maintenance.
Infestations.
Discounts
Depending on where you live, you may be able to save money on your homeowners policy by:
Bundling home and car insurance with Cincinnati.
Having a newer house.
Installing protective devices such as sprinkler or central burglar alarm systems.
Consumer complaints
Cincinnati Insurance drew far fewer than the expected number of complaints to state regulators relative to its size for home insurance, according to three years’ worth of data from the National Association of Insurance Commissioners.
Digital experience
The Cincinnati Insurance website offers an agent search feature plus basic information on homeowners and other types of insurance. Create an online account to make payments, view policy documents and report claims.
Cincinnati’s app offers policy information, bill payments, claims reporting and agent contact details. It’s available for both iOS and Android.
How to file a claim with Cincinnati Insurance
You can report a homeowners claim through your online account, on the mobile app or by phone at 877-242-2544. You can also call your agent. Once you’ve filed your claim, you can check its status on the website or app. For advice, see how to file a home insurance claim.
How to contact Cincinnati Insurance
You can get help with your policy by contacting your independent agent or calling the company directly at 888-242-8811. You can also email [email protected]. Customer service is available every day but Sunday.
Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
How we rate homeowners insurance
NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as financial strength, consumer complaints, coverage, discounts and customer experience.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 50 insurance companies.
Nearly 200 homeowner profiles.
View our complete homeowners insurance rating methodology.
Methodology
Homeowners insurance star ratings methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full ratings methodology for home insurance.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
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