Last Updated: 04/18/2025
Cincinnati Insurance Home Insurance
Unaffiliated
Last Updated: 04/18/2025
Explore a similar product
Try this top product in Homeowners Insurance
Lemonade Homeowners Insurance
Strongly recommended95 reviews
Community Recommended Products
View AllSponsored
Strongly recommended95 Reviews
Learn MoreSponsored
Mostly recommended14 Reviews
Learn More
Strongly recommended16 Reviews
Learn MoreCompare All Homeowners Insurance
Filter & compare all your options in one place.
Highlights
Community Rating
Strongly recommended
Financial Strength Rating
A+(Verified 04/18/2025)
Disclaimer popup with additional information
Number of Reviews
Cincinnati Insurance Home Insurance Review
Cincinnati Insurance Home Insurance is an insurance carrier based in Fairfield, OH. The company was founded in 1950 and offers home insurance in 38 states (and Washington, DC).
Cincinnati Insurance Home Insurance FAQ
What is the financial strength rating of Cincinnati Insurance Home Insurance?
The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.
Cincinnati Insurance Home Insurance scores an A+ financial strength rating, SuperMoney's highest available rating.
What types of coverage does Cincinnati Insurance Home Insurance offer?
Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. Cincinnati Insurance Home Insurance offers the following types of home insurance coverage:
Dwelling Coverage:
Also called "dwelling insurance." This is the part of your homeowner's insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.
Guest Medical Protection:
This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.
Liability Coverage:
The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.
Other Structures Coverage:
This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.
Personal Property Protection:
This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them.
Reimbursed Living Expenses:
This coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured's normal expenses. For example, it could include an insured's motel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.
Cincinnati Insurance Home Insurance customers can also add the following riders or endorsements to their home insurance policies:
Earthquake Coverage:
This covers some of the losses and damage that earthquakes can cause to your home, belongings, and other buildings on your property.
Identity Theft Protection:
This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.
Personal Injury Liability Coverage:
This protects you against bodily injury and property damage for which you or the residents of your home are responsible.
Sewage and Drain Backup Coverage:
This coverage helps you repair water damage from overflowing drains and sewers, broken sump pumps, and damage that results from water moving from the ground up.
Valuable Items:
Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.
Watercraft Coverage:
This rider provides protection from liability and damages caused by a boat. This may be enough if you have a small boat or if you only use it on your property. However, you may want to consider a separate boat insurance policy for larger boats and longer trips.
How can you save money on a Cincinnati Insurance Home Insurance home insurance policy?
When you ask for a quote with Cincinnati Insurance Home Insurance, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available.
- Alarm System
- Home Security or Protective Devices
- Recent Home Improvements / New Roof
- Home Monitoring System
Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Cincinnati Insurance Home Insurance.
What additional benefits does Cincinnati Insurance Home Insurance offer?
Cincinnati Insurance Home Insurance offers the following benefits to its customers:
24/7 Phone Availability:
Customer service is staffed around the clock.
Local Agents:
Perfect for people who prefer the personal touch of a local insurance agent.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:00PM
Friday
8:00AM - 5:00PM
Saturday
Closed
Other Services by The Cincinnati Insurance Companies
Boaters Insurance
Be the first to rate
Car Insurance
Be the first to rate
Life Insurance
Rating not yet determined (2 Reviews)
Renters Insurance
Be the first to rate
Umbrella Insurance
Be the first to rate
Community Recommended Products
View AllSponsored
Strongly recommended95 Reviews
Learn MoreSponsored
Mostly recommended14 Reviews
Learn MoreStrongly recommended16 Reviews
Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +100, or 5 on a 5-point rating scale.
+100
-1000+100
No one recommends
Everyone recommends
Cincinnati Insurance Home Insurance Community Reviews
Would you recommend Cincinnati Insurance Home Insurance to your friends?
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
I can recommend it to someone and maybe s/he to make his/her decision.
KR
Kimberly R.
Apr 14, 2022
May or may not recommend
Cincinnati Insurance offers 24 hour customer service, a wide range of policy discounts and good policy rates. Customize your quote with a tab for discounts. Would highly recommend.
RC
Ryan C.
Jan 5, 2022
May or may not recommend
Great. I used to stay in Cincinnati. If I was there living I would surely get this insurance. When I stayed there, I stayed with others. They would often inform me of their personal experience. Like them, I would surely recommend this.
Andrew H.
Aug 12, 2021
May or may not recommend
It's a smaller credit union with big time professionalism and impeccable service.
FC
Florencia C.
Jul 15, 2021
May or may not recommend
I had a great experience in Cincinnati Insurance Home Insurance. They made me feel welcome and secure. Good bank, great rates. I am very happy with this bank and have urged many people to switch from regular banks to this great credit union. I would highly recommend it.
Sade A.
Jan 7, 2021
May or may not recommend
This is my third insurance company. The other two have not been great. I am amazed at how simple Cincinnati insurance has made this process. I do not at all feel like they are trying to sell me on anything. They are simply giving me information so that I can make an informed decision. The online interface is excellent, and everyone I have spoken with has been incredibly knowledgeable and ...Show More
MW
Micheal W.
Jan 2, 2021
May or may not recommend
Cincinnati Insurance offers one of the best home insurance services!
They offer the lowest rates, best coverages, and handles their customers well! I had a terrible home incident a year ago, and my claims were handled with topmost priority. Even my agent, Lana was very helpful to me.
I have had an amazing experience with Cincinnati insurance, and I would always thank them for their great communication and quality ...Show More
SA
Samuel A.
Dec 23, 2020
May or may not recommend
This is one company I have enjoyed working with in many areas. When it comes to my claims, I have never had any issues, and this is not something I can say about other companies I have had something to do with. Looking at their rates, it is far cheaper than the competition, which means that you have more for less.
AA
Akinkunmi A.
Nov 27, 2020
May or may not recommend
I was trying to find the right insurance company that had the best prices and the best coverage in the country, I searched and searched, found some insurance firms but there rates were outrageous. I ran cross Cincinnati Insurance and when I mean the company really did more than I expected, I really meant it. They had an answer to everything and there staffs were so sweet and responsible. ...Show More
Chioma D.
Nov 26, 2020
May or may not recommend
The customer service isn't that bad, if you call they take care of everything that you have a problem with and will answer any questions that you have. I'm really satisfied with Cincinnati because it's not very expensive. They are very affordable. Company was very easy to deal with and explained everything very clear. Also, customer service was great. They answered all my questions to my satisfaction. Were very patient ...Show More
MV
Michael V.
Nov 23, 2020
May or may not recommend
My friends were unfortunate enough to be in the epicenter of one of the more violent "protests". They were unscathed luckily, they chose wisely to leave town with their family until things settled. Theirs was one of many houses on their block to be destroyed in the chaos.
With Covid going on Cincinnati Home Insurance took a few weeks to contact them back but once they did they quickly got ...Show More
EO
Esther O.
Nov 17, 2020
May or may not recommend
i had never really paid close attention to insuring my property; I used to have the notion of taking repairs just when it damages, so I saw this insurance company ads online and just decided to make good use of the opportunity because as at that time, I had costly jewelry stored in my home and I wasn't willing to lose them, they cost me a whole lot,
my intention ...Show More
OD
Oludare D.
Oct 28, 2020
May or may not recommend
Cincinnati Insurance has proved to be a very reliable and relatable company. Over the years, my claims have been handled with topmost priorities, and my agent has been really helpful. I had a fire outbreak sometimes last year. I tried getting in touch with them, but it proved abortive. A few days later, I was able to get in touch with an agent. The agent was at my house the ...Show More
CE
Chelsey E.
Oct 24, 2020
May or may not recommend
When I think about an insurance company that genuinely cares about the people under their care, Cincinnati Insurance Home Insurance. I think they are one of the few insurance companies that offer to take care of an individual's complete medical costs and bills. My friend Shelly had a ghastly motor vehicle accident not so long ago and I was happy to hear she did not have to pay a single ...Show More
PB
Paul B.
Oct 23, 2020
May or may not recommend
Amazing Experience with Cincinnati Insurance
Quality Experience all through. Quality service and Great communication.
They got the best package and I am happy with the process. Easy, swift and self-reliance..
I will keep using them and a big thank you to the marketing team. They ensure I was 100% satisfied and did a great follow-up.
Thank You.
KD
Kevin D.
Oct 22, 2020
May or may not recommend
Cincinnati Insurance is the best among the rest, the workers were readily available to put me through my insurance process, their rate is the best too. I was able to insure my home with them.
One thing about them is that they are always ready to lend a listening hear when you need help, I really appreciate that. I have been recommending them to my family and friends and I ...Show More
SD
Sarah D.
Oct 15, 2020
May or may not recommend
Cincinnati is a great insurance company. They got me a fantastic rate on home and auto insurance. Not only that but the team here walked me through the entire process and took the time to explain everything in depth so that I was able to understand all of my options. Would highly recommend!
Showing 17 of 17 reviews