Cincinnati Insurance Review & Complaints: Auto, Home, Life & Business Insurance (2024)
Our Cincinnati Insurance review has everything you need to know about the Cincinnati Insurance Company. Is Cincinnati Insurance good? Cincinnati Insurance Company ratings are A+ with both A.M. Best and BBB. Cincinnati Insurance Company is the insurance arm of Cincinnati Financial. This property & casualty insurer for both individuals and businesses provides coverage across the nation.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Cincinnati Insurance reviews are more popular than other small company reviews. But is Cincinnati any good? The company is ranked among the largest insurers by market share in the U.S. overall, Cincinnati Insurance Companies is the coverage arm of Cincinnati Financial. This property & casualty insurer for both individuals and businesses provides coverage across the nation.
Continue reading to learn about Cincinnati financial reviews, ratings, homeowners, settlements, and other relevant information regarding the company.
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What is Cincinnati Insurance?
Cincinnati Insurance (also known as the Cincinnati Ins Co or Cinti Ins Co) was founded in 1950 by four insurance agents and continues to sell policies through independent agent representatives to this day. The company continues its focus on local, personal service as a major selling point. Now known as The Cincinnati Insurance Company, part of Cincinnati Financial Corporation, its headquarters is located in Fairfield, Ohio, but they have branch offices located across the nation.
The company is comprised of the following five companies, which are The Cincinnati Insurance Company, Cincinnati Casualty Company, Cincinnati Indemnity Company, Cincinnati Life Insurance Company, and CSU Producer Resources, Inc.
Most of these companies are licensed in all states and the District of Columbia. Also, Cincinnati is licensed in Puerto Rico.
Through the group of companies, the insurer writes personal lines basics, business insurance coverage, and specialty risks. The company does not quote or sell insurance online. Instead, they use independent agents.
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What products does the company offer?
The company offers a basic lineup of personal insurance products, including the big three: auto, home, and life insurance policies. They also write a wide variety of business insurance products with additional coverages, such as windshield replacement services. Continue reading to learn more about Cincinnati Insurance services.
Is auto coverage offered?
The company offers a reliable auto coverage program with all of the basics plus a list of included features and optional add-ons. One of the added features strongly promoted on the website is the enhanced rental car coverage. This coverage protects drivers in a rental car for liability and damage to the vehicle without a deductible.
The Personal Auto Plus add-on package includes a list of additional features such as:
-
- Air Bag Replacement
- Safety Restraint Benefit – which doubles coverage for injuries in which the driver or passenger was wearing a safety belt
- Transportation Expenses
- Towing and Labor
- Deductible Waiver
- Supplementary Payments for the death of policyholder or spouse
- Trip Interruption
- Lock Replacement
- Child Safety Seat Replacement
- Auto Glass Claim Deductible Waiver
The auto program also offers:
- Replacement Cost Plus
- Customizing Equipment Coverage
- Gap Loan or Lease Coverage
- Collector and Antique car
There are several standard discounts available, such as auto/home, multi-car, good student, and accident-free.
Is homeowners coverage offered?
Cincinnati Insurance has an extended homeowners program with multiple levels of coverage and a long list of add-ons.
The basic plan is the Executive Homeowner Policy, which covers homes of any value for structure replacement, personal property, and personal liability.
There is also a high-value home plan called Executive Classic, designed for homes over $500,000 in value and adding higher replacement cost, more personal property coverage, and extended limits for water damage and identity theft.
Additionally, Cincinnati covers:
- Condominiums
- Rental Homes
- Seasonal/Vacation Homes
- Tenants (Renter’s)
- Watercraft
There are several add-ons available, such as:
- Valuable Articles
- Extended Replacement Cost
- Inflation Guard Coverage
- Extended Water Damage
- Flood
- Earthquake
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Is life insurance available?
Cincinnati’s life program includes the three main types of policies. Term Life, Whole Life, and Universal Life are all available in a variety of benefit levels. There are two different Universal plans available, designed to offer some of the benefits of term life with a permanent plan.
The insurer also offers disability income insurance and annuities.
What additional products are offered?
The company offers business coverage for various types of businesses, from basic packages to specialty coverage.
Business insurance options include:
- Commercial Package, combining liability and property coverage for most businesses.
- Office Operations
- Retail/Service
- Specialty Programs for companies with specific needs
- Service Business programs
- Commercial Umbrella
- Worker’s Compensation
- Business Life
Are the insurer’s rates competitive?
Because online quoting is not available, it’s impossible for a quick price comparison of the company, but as an agency-driven company, we would expect commissions to affect policy quotes when you buy the company’s products.
That said, reviews of the company seem to reflect competitive rates and customers pleased with the affordable products. They may not compete with major direct-buy companies, but appear to offer fair prices to their target market – those who want personal service and will pay a little more for it.
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Are there consumer complaints about the company?
Reviews for the Better Business Bureau (BBB) list the insurer under its parent company, Cincinnati Financial, and has an A+ rating. The company has been accredited since 1981. There are only 14 complaints registered against the company in the past three years, six of which were closed in the past 12 months. The low number may be a result of confusion between company names, as policyholders may not leave complaints under the parent company.
Other reviews across the Internet generally reflect happy customers, citing fast, fair claims service and reasonable insurance rates. Customers appear to be loyal to the company, often citing 20 or more years with Cincinnati. Minor complaints include rate increases, but overall the company has a very positive reputation in the insurance industry.
Are Cincinnati financial strength and credit ratings strong?
This wouldn’t be a decent article without the Cincinnati reviews from the financial strength and credit agencies. Cincinnati ratings can determine whether a customer will purchase a policy. We wanted to bring you more than Cincinnati auto coverage reviews, so we’ve provided ratings from financial strength and credit rating companies.
Rating Company | Grade | Financial Outlook |
---|---|---|
A.M. Best | A+ | Stable |
Fitch | N/A | N/A |
S&P | N/A | N/A |
Cincinnati‘s A.M. Best rating is an A+, which means the company has a superior ability to meet customer obligations and shows a stable financial outlook.
It’s not listed, but J.D. Power ranked Cincinnati Insurance four out of five on J.D. Power Circle Rating. When you compare Cincinnati vs. Chubb and Cincinnati vs. State Farm, you’ll see that Cincinnati is scored higher than both companies.
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How are claims processed by Cincinnati Insurance?
Ease of Filing a Claim
Cincinnati Insurance offers multiple channels for filing claims, including online, over the phone, and through their mobile apps. Policyholders can choose the method that suits them best, providing flexibility and convenience.
Average Claim Processing Time
The average claim processing time with Cincinnati Insurance is not specified in the provided content. Customers may want to inquire directly with the company or check their official website for more detailed information on claim processing times.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback regarding claim resolutions and payouts for Cincinnati Insurance is generally positive. Many policyholders express satisfaction with the company’s claims service, citing fast and fair processing. However, for more specific insights and testimonials, individuals may want to explore online reviews and forums.
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Cincinnati Insurance Digital and Technological Features
Mobile App Features and Functionality
Cincinnati Insurance offers a mobile app with various features and functionalities to enhance the user experience. These features may include policy management, claim submission, bill payment, and access to digital ID cards. The app allows customers to conveniently manage their insurance needs on the go.
Online Account Management Capabilities
Policyholders have access to robust online account management capabilities through Cincinnati Insurance’s website. This includes the ability to view and update policies, track claims, make payments, and access important documents. The online portal streamlines interactions with the company and provides valuable self-service options.
Digital Tools and Resources
Cincinnati Insurance provides policyholders with a range of digital tools and resources to assist them in understanding their coverage, making informed decisions, and staying informed about insurance-related topics. These resources may include educational articles, calculators, FAQs, and guides, helping customers navigate the complexities of insurance.
Please note that specific details and features of Cincinnati Insurance’s claims process and digital offerings may vary, and it is advisable for individuals to visit the company’s official website or contact them directly for the most up-to-date information.
What’s the bottom line?
Cincinnati has solid financial backing and an excellent reputation. Offering all of the big three, along with a few other personal products, they are likely to be a one-stop shop for coverage for most customers. With competitive rates based on customer reviews, Cincinnati is well worth looking for anyone willing to take the time to obtain quotes directly from an agent.
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Frequently Asked Questions
What is Cincinnati Insurance?
Cincinnati Insurance, also known as Cincinnati Ins Co or Cinti Ins Co, is an insurance company that was founded in 1950. It sells policies through independent agent representatives and offers coverage for individuals and businesses across the nation.
What products does Cincinnati Insurance offer?
Cincinnati Insurance offers a range of insurance products, including auto, home, life, and business insurance. They have a basic lineup of personal insurance products and write various types of business insurance coverage.
Does Cincinnati Insurance offer auto coverage?
Yes, Cincinnati Insurance offers auto coverage with a range of features and optional add-ons. They provide enhanced rental car coverage, along with other additional features and standard discounts.
Does Cincinnati Insurance offer homeowners coverage?
Yes, Cincinnati Insurance has an extended homeowners program with multiple levels of coverage and various add-ons. They offer coverage for homes of any value, as well as a high-value home plan for homes over $500,000 in value.
Is life insurance available through Cincinnati Insurance?
Yes, Cincinnati Insurance offers life insurance, including term life, whole life, and universal life policies. They also provide disability income insurance and annuities.
What other products are offered by Cincinnati Insurance?
Cincinnati Insurance offers business coverage for various types of businesses, from basic packages to specialty coverage. They provide coverage options such as commercial property, general liability, and workers’ compensation.
How are claims processed by Cincinnati Insurance?
Claims can be reported directly through agents or through a 24-hour toll-free phone number provided to policyholders. Claims handling procedures and options may vary depending on the type of claim.
Are there consumer complaints about Cincinnati Insurance?
Cincinnati Insurance has a positive reputation, with a low number of complaints registered with the Better Business Bureau (BBB). Customers generally express satisfaction with the company’s claims service and rates.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.