Cincinnati Insurance was setup in 1950. It was created by a quartet of insurance agents. It is headquartered in Fairfield, Ohio, and maintains a strong presence across the States. It was formed by the following companies.
These companies are licensed in Puerto Rico, District of Columbia, and U.S. states. Cincinnati Insurance offers business insurance coverage, personal lines insurance, and specialty risks. The company relies on independent agents to sell insurance.
Cincinnati Insurance provides the following types of insurance:
The auto insurance program of Cincinnati Insurance includes all the basics along with optional services. One of the well-received features is the enhanced rental car coverage on their website. This coverage shields those drivers who use rental cars in terms of vehicle damage and liability—and the best part—they don’t have to pay a dime.
Cincinnati has broadened its home insurance with several coverage levels along with a lot of add-ons. The Executive Homeowner Policy—the basic plan—offers coverage to homes regardless of their actual value for personal property, satirical replacement, and personal liability.
If you have a higher budget, then you can opt for Executive Classic—a high-value home plan. This plan is for homes having more than $500,000 in value. It includes a wider coverage for personal property, higher replacement cost, and additional assistance for identity theft and water damage. Moreover, Cincinnati covers watercraft, tenants, vacation homes, rental homes, and condominiums.
The life insurance program of Cincinnati revolves around three kinds of life insurance. These are Universal life, Whole life, and Term life—each of them offers separate benefits. Cincinnati also provides disability income insurance.
Cincinnati provides coverage for various industries and businesses, from the high-end specialty package to a basic package.
For auto discounts, you can get discounts in the following cases:
- If you don’t get into an accident for an extended period
- If you let Cincinnati Insurance write a policy for both your home and vehicle
- If you are a student and have at least a “B” average
- If you lease or own more than one insured vehicles on the same policy
- If you possess a car and drive another one where both are insured with Cincinnati
For home insurance, you can get discounts in the following cases:
- If you have a new home
- If you report minimal or no claims
- If you install a home security system with a central station
- If you have both auto and home insurance
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Cincinnati Insurance is listed as Cincinnati Financial—its parent company—on the BBB and holds an A+ rating. It received accreditation in 1981. Only 14 complaints were filed against Cincinnati Insurance in the last three years, out of which six were closed within a year. This means that Cincinnati Insurance was able to resolve the grievances of customers with considerable success.
At Wallet Hub, Cincinnati Insurance has a 2.4 rating out of 5. Clients have praised their customer service, which is excellent due to their local presence. Unlike other insurers, it takes no time for a representative to answer the call. Moreover, clients have been quite happy over the discounted rates.
Another user pointed out how Cincinnati Insurance saved them when they dealt with a monoxide accident. He was especially glad over how the company remained courteous and assisted him even when he was late with payments.
According to another policyholder, he always received the best rates from the company during his two-year experience with Cincinnati Insurance. He was pleasantly surprised when he realized that those rates were cheaper than the rate of state minimum companies.
One reviewer revealed that they received cheap coverage and their agent was super-friendly. After a great first year with Cincinnati, they were devastated when they damaged their own cars in the driveway. However, Cincinnati Insurance made the claim process extremely easy, and they were able to fix their car in no time.
At Clearsurance, Cincinnati Insurance scored 3.9 out of 5, which is fairly good. Users singled out customer service as one of the biggest selling points of Cincinnati. They were especially taken back by how responsive and professional their agents were with them. One user was impressed over how quickly they repaired his car.
At Best Company, a customer remarked that he was happy over the quality of service and discounted rates.