In This Review: Pros and Cons | Cost and Discounts | Coverage | State Availability | Filing a Claim | Customer Reviews | Conclusion | Comparison | Company Information | FAQ | Methodology

The Cincinnati Insurance Company has been offering homeowners insurance in 43 states for over 50 years. Its policies include liability, loss of use, dwelling, personal property, other structures, and medical payments coverage, along with the option to add three endorsements. Keep reading for an in-depth review of the company that will help you decide if The Cincinnati Insurance Company is the best homeowners insurance provider for you.

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Pros and Cons of The Cincinnati Insurance Company

Learn about the costs and benefits of insuring your home with Cincinnati Insurance Company:

Its premium is about half the national average of $101 per monthNot available in Alaska, Louisiana, Maine, Mississippi, New Mexico, Oklahoma, or South Dakota
Offers coverage to high-value homes worth more than $1 millionOffers only three endorsements
Provides 70% of dwelling for personal property coverage instead of the industry average of 50%



How Much Do The Cincinnati Insurance Company Policies Cost?

The Cincinnati Insurance Company offers its insurance policies through independent agents scattered throughout the country. To determine how much a policy would cost, we contacted an agent near us for a quote.

Sample Pricing for The Cincinnati Insurance Company

Type of CoverageAmount of Coverage
Other structures$57,000
Personal property$199,500
Loss of use$57,000
Medical payments to others$2,000
Monthly cost$55.90


Cincinnati offers homeowner discounts for the following situations:

  • Bundling home and auto insurance
  • Owning a new home
  • Installing a centrally monitored home alarm
  • Having few or no claims



The Cincinnati Insurance Company Coverage

Your homeowners policy will protect against the following events:

  • Fire and lightning
  • Windstorm and hail
  • Explosion
  • Riot or civil commotion
  • Vehicles
  • Aircrafts
  • Smoke
  • Theft
  • Vandalism
  • Falling objects
  • Weight of snow, sleet, or ice

Before signing up for a home warranty plan, we recommend reading a sample policy from The Cincinnati Insurance Company to determine what exactly is and isn’t covered under your policy.

Your policy will come with six types of coverage:

  1. Dwelling—If a covered event destroys your home, Cincinnati will pay to rebuild it with all of the same built-in features. The agent who gives you a quote will help you estimate how much it would cost to rebuild your home.
  2. Other structures—This covers detached structures on your property, like a fence or shed.
  3. Personal property—If your personal belongings are damaged by a covered event, Cincinnati will pay you to replace those items.
  4. Loss of use—The Cincinnati Insurance Company will reimburse you for additional living expenses if you have to leave your home due to major repairs.
  5. Liability—If you cause bodily injury to another person or property damage, your policy covers that person’s medical bills or repair costs.
  6. Medical payments to others—Your policy will cover a guest’s medical bills if they are injured in your home.

Here are your coverage options in North Carolina:

Available Coverage Options in North Carolina

Type of CoverageCoverage Options
Dwelling100% of rebuilding cost
Other structures20% of dwelling
Personal property70% of dwelling
Loss of use20% of dwelling

Note: Contact an agent near you to see how coverage differs in your state.

Additional Coverage

You can add these protections to your policy for an additional amount each month:

  • Earthquake
  • Identity theft expense
  • Golf carts



State Availability

The Cincinnati Insurance Company provides coverage across the 43 states below. Click on your state to discover other top tier providers near you:

Alabama | Arizona | Arkansas | California | Colorado | Connecticut | Delaware | Florida | Georgia | Hawaii | Idaho | Illinois | Indiana | Iowa | Kansas | Kentucky | Maryland | Massachusetts | Michigan | Minnesota | Missouri | Montana | Nebraska | Nevada | New Hampshire | New Jersey | New York | North Carolina | North Dakota | Ohio | Oregon | Pennsylvania | Rhode Island | South Carolina | Tennessee | Texas | Utah | Vermont | Virginia | Washington | West Virginia | Wisconsin | Wyoming



Customer Service and Claims Support

If you want to manage or file a claim, you can reach the claims center any time at 877-242-2544. For all other questions, you can call 888-242-8811 Monday through Friday, from 8 am to 5 pm, and Saturday from 8 am to 12 pm. Customers can also use the customer portal and mobile app.



The Cincinnati Insurance Company Reviews

The Cincinnati Insurance Company is accredited with the Better Business Bureau (BBB) with an A+ rating. Here are what some customers had to say about the company:

“This company takes the time to invest in their policyholders. They thoroughly go through each person’s policy and assist in whatever way is needed.” — Mark on November 21, 2019

“Recently our mortgage was bought by a new lender. The new lender attempted to reach Cincinnati on three separate occasions without any answer or return call. Cincinnati sent us a cancellation letter without warning and without contacting us that there was a payment issue. When I called Cincinnati, they were nonchalant, not remorseful, and we had to do the leg work in order for them to get their payment. When I asked why they didn’t send a notification of no payment, they said they sent a packet that ‘was not a bill.’ This packet contained no warning of lack of payment, no explanation of issues contacting our lender, no such thing.” — Callie on August 26, 2019



Our Conclusion

The Cincinnati Insurance Company’s homeowners insurance policy includes six levels of coverage for dwelling, other structures, personal property, loss of use, liability, and medical payments to others. The coverage amounts are higher than the industry norm, offering 20% of dwelling for other structures instead of 10%, and 70% of dwelling for personal property instead of 50%. Even with more coverage, you pay less. We received a quote for about $56 per month, which is close to half the national average.

However, you won’t be able to get an immediate quote since the company sells its policies through independent agencies. You’ll have to find an agent near you, call them, and wait for them to get back to you with a quote. This insurance company also provides only three endorsements, which means you have little opportunity to customize your coverage.

While The Cincinnati Insurance Company may have everything you’re looking for in a home insurance policy, we recommend getting quotes from at least two other insurance companies to compare coverage and pricing. You can find other providers near you by inputting your zip code into the tool below or calling 855-948-5219 to get quotes over the phone.
Compare Homeowners Insurance Policies
Answer a few simple questions and we'll take care of the rest.



The Cincinnati Insurance Company vs. The Competition

See how The Cincinnati Insurance Company stacks up against other home insurance providers:

Our score93.686.998
State availability43*49**50
BBB ratingA+A+A+
Years in business529284
24/7 claims service
Protective devices/safety features discountX
Mobile app

*The Cincinnati Insurance Company isn’t available in Alaska, Louisiana, Maine, Mississippi, New Mexico, Oklahoma, or South Dakota

**Foremost is not available in Hawaii



Company Information

  • Company name: The Cincinnati Insurance Company/Cincinnati Financial Corporation/Cincinnati Casualty Company
  • CEO: Steven J. Johnston
  • Years in business: 52
  • State availability: 43
  • Address: 6200 S. Gilmore Road
  • City/State: Fairfield, OH
  • Zipcode: 45014
  • BBB rating: A+



Frequently Asked Questions



Our Methodology

The This Old HouseReviews team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations.

With that in mind, we created an objective rating system to score each home insurance company. Here’s what that review process looked like:

  • We analyze the information on each company’s website. This allows us to determine what products and services are offered by each home insurance provider.
  • We get a sample quote from the companies by either talking to a sales representative or by using the online quote tool. This tells us what a policy looks like and costs.
  • We test customer service by talking to a company representative, finding out their hours of operation, and determining what technological features are available for customers.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home insurance companies against each other.

With this data, we created a rating methodology to score each home insurance company. Our rating system is a weighted, 100-point scale based on the following factors:

  • Coverage (30): We rated home insurance companies higher if they offered the six main types of homeowner protection—dwelling, other structures, personal property, loss of use, liability, and medical payments to others coverage.
  • State availability (7.5): Companies scored higher if they covered more states than their competitors.
  • Customer service (15): This factor is based on our communications with the company representatives, as well as the companies’ claims and quotes processes, availability throughout the week, and customer service information found on their websites.
  • Technology (12.5): Technology can increase the efficiency of filing and tracking home insurance claims. Companies scored higher if they had technology options like mobile apps and online chat functions.
  • Reputation (20): We gauged trustworthiness based on years of experience and Better Business Bureau (BBB) ratings.
  • Additional benefits (15): Companies that offered optional features, like discounts and endorsements, scored higher than competitors that didn’t.

Our Reviews team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability.

To share feedback or ask a question about this article, send a note to our Reviews Team at