Home Insurance
Smart Score
89
Customer Service
Industry Average: 7.9
Claims Process
Industry Average: 7.9
Value for Price
Industry Average: 7.6
Cincinnati Overview
Headquartered in Ohio, Cincinnati Insurance Company offers a number of commercial insurance, life insurance, and personal lines insurance options. Most of the company's offerings are geared toward higher-net worth individuals. As such, Cincinnati provides a number of home and auto insurance options not offered by standard insurance companies. Plus, the company's policies are sold through a network of local insurance agents, meaning policyholders can expect a more personalized experience.
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Cincinnati Coverage Options
When it comes to their home, everyone has a different situation and differing needs for protection. While every home insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by Cincinnati
| Available Option | What it means | |
|---|---|---|
Additional Insured | The additional insured endorsement extends the liability portion (Coverage E) of your homeowner policy to others living in the home who are not related by blood, marriage, or adoption. It can also apply to those not living with you but who have partial ownership of the property. For example, if your girlfriend's dog bites someone and she gets sued, this endorsement would allow her to make a claim on your policy to cover the costs. | |
Assisted Living | Generally, this endorsement just extends coverage to personal property that a family member has in an assisted living facility. Some insurers also reimburse a portion of the additional living expenses if your loved one is temporarily displaced. | |
Business Pursuits | Standard liability coverage protects you and your family against bodily injury or property damage claims made by others. However, this coverage extends only to your personal liability, not your business liability. This endorsement removes that exclusion, thereby providing coverage for harm resulting from business pursuits. Some businesses may not be eligible for this endorsement, depending on the state and insurer. | |
Child Care Liability | This niche endorsement offers some protection from potential lawsuits and damages for those that operate daycares from home. They cover liability (bodily injury and property damage claims from others). Some policies also cover damages to your personal property. Certain states may also require separate daycare insurance. | |
Computer | Like Scheduled Property, this endorsement provides additional coverage for households with expensive (or multiple) computers. A standard policy will provide some protection, but this extends it. Keep in mind; this is not a warranty. If a laptop simply malfunctions, coverage likely won't apply with most insurers. External damage from risks like fire, theft, and lightning surges are more what it covers. | |
Debris Removal | While many homeowners insurance policies cover some amount of debris removal after a covered loss, they tend to limit how much they will pay. This endorsement raises those limits on the standard policy. For insurers who don't offer debris removal by default, this endorsement enables such coverage. | |
Electronic Data Recovery | This endorsement covers the cost of recovering lost personal computer data caused by a loss. | |
Cincinnati availability in these states
Cincinnati Home Discounts
While all companies offer a range of home insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.
What does this mean?
Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your home policy. For reference, we've listed all the discounts we believe Cincinnati has below in order to help determine which ones may fit your profile (though keep in mind that they can vary by state).
| Available Option | Discount Data | What it means |
|---|---|---|
Automatic Water Shut-Off Valve | 5% to 0% | This type of valve automatically shuts off the house water supply if a leak is detected. To qualify for the discount, the valve typically needs to also trigger an alarm that reports to a monitoring service. |
Fire Resistive | 5% to 0% | Surprising no one, homes built of masonry (or another material rated at taking two or more hours to burn) tend to burn down less. Less fire risk leads to more savings for the insurance company. Some of these savings pass to the customer as a discount to incentivize shoppers with fire-resistant homes. |
Gated/Guarded Community | 5% to 5% | Houses within the confines of gated or guarded communities are less prone to risks like theft and vandalism. This reduced risk lowers costs to the insurer, some of which are passed on to the customer as a discount. |
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