Cincinnati Insurance Homeowners Insurance Reviews

Homeowners with lower-value to $1 million-plus homes can benefit from Cincinnati Insurance home coverage. With the Executive Homeowner Policy, you can find coverage for any home value up to $1 million, which includes your dwelling and other structures on the premises. Through the Cincinnati Private Client solution, homeowners seeking to insure high-value homes ($1 million or more) can find a solution that includes water damage and wildfire protection. However, not all states qualify for these home policies, and if you’re seeking additional coverage you’ll have to pay extra.

To have Cincinnati Insurance as your home insurance provider you must first contact a local agent since the company doesn’t currently offer an online quote tool. Instead, Cincinnati Insurance employs independent agents, who have been trained on its products, to provide a personal experience. They are also better able to assess the full risk of your property. Keep in mind that once you have a policy established, you can view your policy within your mobile app, but your local agent will have to make any changes.

According to the national average rates reported by Cincinnati Insurance, you can estimate paying between $600 annually for $150,000 of dwelling coverage and $2,700 annually for $750,000 of dwelling coverage.

These rates are, on average, lower than the national premiums across all carriers, but they are only meant as ranges. For a precise quote and estimate of your coverage, contact a local agent.

Each package offered through Cincinnati Insurance has its own inclusions and optional additions. The basics include the dwelling, personal property and bodily injury.

Homeowners insurance from Cincinnati Insurance isn’t limited to one set dwelling type or home value, but it does have state limitations where some policies may be unavailable, such as wildfire protection. The company does not offer home insurance coverage for those living in Alaska. For coverage availability, add ons and exclusions, contact your local agent.