D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Dec 3, 2020

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Cincinnati Insurance

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Cincinnati Insurance reviews are more popular than other small company reviews. But is Cincinnati Insurance good? The company is ranked among the largest insurance companies by market share in the U.S. overall, Cincinnati Insurance Companies is the insurance 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, insurance rating, homeowners insurance, insurance settlements, and other relevant information regarding the company.

If you want to start comparing insurance in your local area, enter your ZIP code above.

What is Cincinnati Insurance?

Cincinnati Insurance (labeled as the Cincinnati Ins Co or Cinti Ins Co) was founded in 1950 by four insurance agents and continues to sell insurance through independent agents to this day. The company continues its focus on local, personal service as a major selling point. Company headquarters is located in Fairfield, Ohio, but they have branch offices located across the nation.

Cincinnati Insurance 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, the Cincinnati Insurance Company is licensed in Puerto Rico.

Through the group of companies, Cincinnati Insurance 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 Cincinnati Insurance offer?

Cincinnati offers a basic lineup of personal insurance products, including the big three: auto insurance, home insurance, and life policies. They also write a wide variety of business insurance products, such as Cincinnati Insurance windshield replacement services. Continue reading to learn more about Cincinnati Insurance services.

Cincinnati Auto Insurance

Cincinnati Insurance offers a reliable auto insurance 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 Cincinnati car insurance 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
  • Glass Deductible Waiver

Cincinnati’s auto program also offers:

  • Replacement Cost Plus
  • Customizing Equipment Coverage
  • Gap Loan or Lease Coverage
  • Collector and Antique car insurance

There are several standard discounts available, such as auto/home, multi-car, good student, and accident-free.

Cincinnati Homeowners Insurance

Cincinnati Insurance has an extended home insurance 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 Insurance)
  • Watercraft

There are several add-ons available, such as:

  • Valuable Articles
  • Extended Replacement Cost
  • Inflation Guard Coverage
  • Extended Water Damage
  • Flood
  • Earthquake

Cincinnati Life Insurance

Cincinnati’s life insurance 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.

Cincinnati Insurance also offers disability income insurance and annuities.

Additional Products

Cincinnati Insurance offers business insurance 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 Cincinnati Insurance, but as an agent-driven company, we would expect commissions to affect Cincinnati Insurance quotes when you buy Cincinnati Insurance products.

That said, reviews of the company seem to reflect competitive rates and customers pleased with the affordable Cincinnati Insurance 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.

How are claims processed?

In keeping with their agent-based business plan, Cincinnati Insurance claims can be reported directly through agents. There is also a 24-hour toll-free Cincinnati Insurance phone number: 877-242-2544 through which claims can be reported instantly.

The lack of online quoting is surprising for such a large company, although there is a policyholder login that may offer claims tracking. This is not made clear on the website, which can be found at https://www.cinfin.com/. The “https://www.cincinnatiinsurance.com/” won’t lead you to Cincinnati Insurance coverage.

Life, Worker’s Compensation, and glass-only claims are reported through their claims phone numbers found on the website.

There is no information on the website regarding how claims are handled, aside from a promise to handle them by seeking coverage and not loopholes to avoid paying. Claims are likely taken in the standard format, with an adjuster assigned and investigating the claim before determining coverage and offering a settlement.

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Are there consumer complaints about the company?

Cincinnati Insurance reviews for the Better Business Bureau (BBB) lists Cincinnati Insurance 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 Cincinnati Insurance 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 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.

Cincinnati Insurance Financial Strength and Credit Ratings

The wouldn’t be a decent article without the Cincinnati Insurance Company reviews from the financial strength and credit agencies. Cincinnati Insurance ratings can determine whether a customer will purchase a policy. We wanted to bring you more than Cincinnati auto insurance 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 Insurance’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.

Watch this video to learn more about A.M. Best ratings.

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 Insurance vs. Chubb and Cincinnati Insurance vs. State Farm, you’ll see that Cincinnati Insurance is scored higher than both companies.

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What’s the bottom line?

Cincinnati Insurance has a solid financial backing and an excellent reputation. Offering all of the big three, along with a few other personal insurance products, they are likely to be a one-stop-shop for insurance for most customers. With competitive rates based on customer reviews, Cincinnati Insurance is well worth looking for anyone willing to take the time to obtain quotes directly from an agent.

We have a one-stop-shop, also. Enter your ZIP code in the FREE comparison tool below to compare auto insurance companies in your local area.

Frequently Asked Questions: Cincinnati Insurance Review

For the final section of our Cincinnati Insurance review, we’ll answer frequently asked questions on search engines across the internet. These questions are related because Cincinnati Insurance shows these results when it’s typed into search boxes online.

#1.  What insurance company is rated the best?

Currently, Geico is rated as the best company.

#2.  Is Cincinnati Insurance a good company?

Yes. Cincinnati Insurance rating is “A+” with A.M. Best and “A+” with the BBB.

#3.  What are the worst insurance companies?

According to Consumer Reports, Esurance, Liberty Mutual, and Nationwide.

#4.  Who has the best home insurance rates?

The top five companies with the best home insurance rates are Amica, Auto-Owners, Chubb, Nationwide, and State Farm.

#5.  Who owns Cincinnati Insurance?

Cincinnati Financial is the parent company of Cincinnati Insurance Company.

References:

  1. https://www.bbb.org/cincinnati/business-reviews/insurance-companies/cincinnati-financial-corporation-in-fairfield-oh-3177/reviews-and-complaints
  2. https://www.jdpower.com/business/press-releases/jd-power-2018-us-home-insurance-study