Cincinnati Homeowners Insurance Review 2024

Cincinnati homeowners insurance policies are available in most U.S. states.
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Written by Sarah Schlichter
Lead Writer
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Assigning Editor
Fact Checked

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Cincinnati Insurance

4.5

NerdWallet rating 
Sells homeowners policies through local independent agents across the U.S.

Coverage options

About average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

Cincinnati Insurance

4.5

NerdWallet rating 
Sells homeowners policies through local independent agents across the U.S.

Coverage options

About average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

About Cincinnati home insurance

4.5

NerdWallet rating 

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.

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Our star ratings are based on consumer complaint data from the National Association of Insurance Commissioners; financial strength grades from AM Best; coverage and discounts available; and the overall consumer experience. See our criteria for evaluating home insurance companies.

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Where Cincinnati Insurance stands out

Customer service. The company’s ultra-low volume 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 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.

Availability may change at any time. Coverage may not be available to all homeowners in a given state.

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:

Type of coverage

What it does

Pays to repair or rebuild the structure of your home.

Covers damage to unattached structures such as sheds or fences.

Pays to repair or replace personal belongings such as furniture or clothing.

Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.

Covers legal expenses and damages if you're responsible for injuries to other people or their property.

Covers injuries to guests in your home, regardless of fault.

Beyond the standard types of coverage above, Cincinnati Insurance also offers a service to help protect your home from wildfires in select Western states. 

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.

  • Extended replacement cost coverage, which pays up to 25% extra to rebuild your home after a disaster in case it costs more than expected.

  • Water damage coverage, which pays for damage from backed-up drains, a malfunctioning sump pump or water that seeps into your home from underground.

The company also has a bundle of extra coverage called Homeowners Plus. When you add this endorsement to your policy, you’ll get: 

  • Replacement cost coverage for your personal belongings, which means you’ll get enough of a claim payout to buy brand-new replacements for damaged or destroyed items. Without this coverage, the insurer would reduce your payout to reflect your belongings’ loss of value in the time since you bought them.

  • Ordinance or law coverage, which pays to bring your home up to the latest building codes after a covered claim.

  • Increased credit card coverage, in case someone steals your card or uses it without permission.

  • Extra coverage for valuable items such as jewelry or watches.

  • Coverage for refrigerated items lost in a power failure or appliance breakdown.

For policyholders with higher-value homes, Cincinnati Insurance offers more comprehensive policies with some of the above benefits included. These policies also come with higher limits and a wide range of optional add-ons. 

For example, Cincinnati’s Executive Capstone policy for houses worth $1 million or more 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. 

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.

  • Going without claims for a certain length of time.

  • Installing a centrally monitored alarm system.

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.

Consumer experience

Website: 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.

App: Cincinnati’s app offers policy information, bill payments, claims reporting and agent contact details. It’s available for both iOS and Android.

Claims: 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.

Customer service: 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 on weekdays and Saturday mornings in the Eastern time zone. 

The bottom line

Cincinnati Insurance may be a good fit for you if you want to discuss your coverage options with an independent agent before buying. If you’re looking for quick online quotes, you may want to look elsewhere. 

Cincinnati Insurance may also suit you if you have a high-value home that needs comprehensive coverage.

Other home insurance companies to consider

Not ready to make a decision? You may be interested in these other homeowners insurance companies:

Current Product

Cincinnati Home Insurance
Allstate Homeowners Insurance
Farmers Home Insurance
NerdWallet rating 

4.5

/5
NerdWallet rating 

4.0

/5
NerdWallet rating 

4.0

/5

Complaints to NAIC 

Far fewer than expected

Complaints to NAIC 

More than expected

Complaints to NAIC 

Fewer than expected

Coverage 

About average

Coverage 

About average

Coverage 

About average

Discounts 

Average set of discounts

Discounts 

Great set of discounts

Discounts 

Great set of discounts

Bottom line 

Sells homeowners policies through local independent agents across the U.S.

Bottom line 

Widely available across the U.S. with lots of ways to customize your policy, but receives more complaints than expected.

Bottom line 

Those seeking policy add-ons like diminishing deductibles and claims forgiveness may want to consider Farmers.

Frequently asked questions

Cincinnati Insurance sells auto, umbrella, watercraft, renters, life and business insurance, among other products.

Cincinnati Insurance has been in business since 1950, and it's earned high financial strength ratings from agencies such as AM Best and Fitch. It also draws significantly fewer consumer complaints than expected for a company of its size.

Cincinnati Insurance sells its policies through independent agents. You can search for one near you on the company’s website.

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 2020-2022. 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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