Cincinnati Insurance Companies

132 Reviews

Cincinnati Insurance Companies is a group of insurers under the umbrella of the Cincinnati Financial Corporation, headquartered in Fairfield, Ohio. Founded in 1950, the Cincinnati Insurance Companies group offers both business and personal insurance policies in 45 states. Here are some key things to know about the Cincinnati Insurance Companies group:

3.4/5 average rating from users. Read reviews.
A+ rating from the Better Business Bureau (BBB).
Offers auto insurance, home insurance and more.

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Cincinnati Insurance Companies Reviews

The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 01/07/2023.

3.4

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WalletHub
January 11, 2022 • @WalletHub

editor's review

Cincinnati Insurance Companies Review

Cincinnati Insurance Companies is an average car insurance company given its middle-of-the-road premiums, even though it has strong customer service. Cincinnati Insurance’s NAIC rating is 0.35, which means it has fewer customer complaints than its average competitor, adjusted for size. Coverage from Cincinnati Insurance Companies is available in every state.

Cincinnati Insurance Companies Ratings

Reviews on WalletHub: 3.4/5
NAIC: 0.35
BBB: A+
AM Best: A+

Cincinnati Insurance was accredited by the Better Business Bureau in 1980.

Cincinnati Insurance Companies Auto Insurance Review Highlights

Top Discounts – accident-free discount, multi-policy discount, and good student discount.

Basic Coverage Options – Bodily injury liability, property damage liability, personal injury protection, medical payments, comprehensive, collision, and uninsured/underinsured motorist.

Extra Coverage Options – gap insurance, rental reimbursement coverage, and replacement cost plus.

Other Specialty Auto Insurance – antique or collector car insurance and motorcycle insurance.

Cincinnati Insurance Companies Home Insurance Review Highlights

Cincinnati Insurance Companies offers basic homeowners insurance policies, as well as coverage for renters, condo, and tenants.

A homeowners insurance policy from Cincinnati Insurance Companies protects your home and personal belongings from a variety of damage-causing risks. Cincinnati Insurance Companies homeowners policies provide additional coverage for your dwelling and other structures on your premises, personal property, additional living expenses, and legal liability. Their policies also cover medical bills and legal fees in case a guest gets hurt or their property is damaged at your home.

For condo owners, an insurance policy from Cincinnati Insurance Companies will cover personal property, improvements, additional living expenses and legal liability. Lastly, Cincinnati Insurance Companies offers renters insurance, which covers your rental dwelling and other structures on the premises, personal property, additional living expenses, and optional personal liability and medical payments.

Overall, Cincinnati Insurance Companies has reliable property insurance options for a variety of situations.

Bottom Line: Is Cincinnati Insurance a Good Company?

Cincinnati Insurance Companies is an average insurance company, given its average pricing but low number of customer complaints. Cincinnati Insurance Companies’ most notable insurance options include auto, homeowners, personal articles, and umbrella policies.

Product: Cincinnati Insurance Companies Car Insurance

Comment

Karol Martin
January 7, 2023 • @Klymar

WARNING!!!! This company is terrible. Go with another ins company although they are all just after your money. My claim was subrogated by them against Enterprise for an accident I did not cause snd I had full coverage on my car. Should have been a slam dunk but Cincinnati refused to recoup all of my out of pocket expenses like rental car costs BECAUSE OF THEIR HORRIBLE ADJUSTER DIANE HAMMOND. She kept refusing to approve repair costs for a torn fender. She didn’t like my body shop choice who didn’t give her kickbacks so decided to punish me. Then they lied about how speedily they approved the repairs. My car was in shop for over 2 months because Hammond ignored my calls and the repair shop calls. And now I have roof damage from hail and wind and the fat troll adjuster they sent denied the claim saying my roof was installed incorrectly by the original builder never mind they’ve been insuring that roof for 20 years, it doesn’t leak, and then he claimed no hail in my area last year when it hails here every year, apparently Cincinnati is a charity for themselves only and premiums are just donations because they will never pay out a claim. Reporting then to the ins commissioner, DO NOT BUY CINCINNATI INSURANCE—they STEAL your money and won’t pay legitimate claims.

Product: Cincinnati Insurance Companies Car Insurance

Comment

csphotographyky
December 4, 2022 • @csphotographyky

Cincinatti Insurance-I don't have anything good to say about them. Maybe they can tell me where I can get a metal roof replaced for $7,800?! This company, Roofing For Troops, mistakenly tarped our previously undamaged metal roof-that hurricane Ian left undamaged...why they tarped our roof is beyond me! Our home is clearly marked with our address. Then, when they realized that they did it they never bothered to call us so my husband had to fly down the next day when we were told that THERE WAS A TARP ON OUR ROOF $$$(it's a retirement community & everyone has everyone's numbers - including the office). Now Roofing For Troops has blocked me, won't return our calls, and their insurance company #CincinattiInsurance is trying to prorate our roof as if it's a property claim when it's a LIABILITY CLAIM! We can't have over 300 screw holes in our metal roof for very long before it starts to leak. No one is doing what they're legally required to do. ? The lowest written estimate is for just under $19,000! How is $7,800 going to get our roof replaced? This Insurance company is awful...and needless to say-Roofing for Troops are worse.

Product: Cincinnati Insurance Companies Professional Liability Insurance

Comment

AhsokaTano1970
October 28, 2022 • @AhsokaTano1970

It's when something goes wrong with a contractor that you realize the value of good home insurance. My roof was desperately in need of repair, and Cincinnati Insurance approved my claim. I will not mention the roofing contractor I worked with here. I believe that the heads of the company are good people, and they do good work. Unfortunately, I just got stuck with one of their employees that was not interested in doing his job properly. Nor was he very considerate of me as a customer or a human being. After I paid the deductible, and Cincinnati Insurance paid the rest for my roof repair, I thought that would be it. However, after the roof was completed, the contactor sent me a bill for over a thousand dollars! I'm very ill, on disability, and had no idea how I would pay this. In a panic, I called the insurance adjuster on my claim, Chris Morgan. He informed me that whenever charges need to be added after the initial claim is approved, a supplementary claim for the additional charges should be submitted to the insurance company. That this contractor did not file a supplementary claim was the first time that this had happened in all of his years on the job! I called the employee and asked him to contact Chris, and submit the information about the extra charges. For some reason, this employee stubbornly refused to work with Chris and submit a supplemental claim. To make a long and very grueling, not to mention stressful, story short, Chris came through for me. He worked everything out with the heads of this company and I didn't have to pay any of the charges. He was truly my protector and advocate through this whole process. So, I can assure you, I learned that my insurance company, Cincinnati Insurance, will have your back when things go wrong.

Product: Cincinnati Insurance Companies Home Insurance

Comment

liznat
June 3, 2022 • @liznat

I was referred to Cincinnati by a good friend, and also to a specific broker for Cincinnati. Major disappointment with Cincinnati. The broker did her best to handle my simple request: broad coverage for my home. Instead of a simple no or a quotation, it was like talking to a car salesperson. Cincinnati apparently does not want to insure just a house: they want to take over insuring your car too. In my case, they actually *insisted* on it: the agent wrote me that Cincinnati is "no longer writing anything that isn’t the whole package of coverage" including cars. Wow. You have been warned. I am continuing my search for home insurance, looking for companies that actually focus on insuring homes. If I want bait and switch, I'll go to a car dealer.

Product: Cincinnati Insurance Companies Home Insurance

Comment

hsrlllcummins
March 4, 2022 • @hsrlllcummins

I pay for full coverage and they wouldn’t cover everything, I had to pay out of pocket, their one adjuster was extremely rude and ignorant

Product: Cincinnati Insurance Companies Car Insurance

Comment

anonxexpectus
February 21, 2022 • @anonxexpectus

I have paid the claim against me. Yet dragging of feet to release my license. I have already got confirmation of payment. How have you not gotten confirmation? Send me the release.

Product: Cincinnati Insurance Companies Car Insurance

Comment

Sharon King
February 11, 2022 • @Smking

Would not dispatch roadside assistance when my car was stuck in snow. I had to sleep overnight at work. Luckily a kind gentleman helped me push it free the next day. Insurance is supposed to give you peace of mind. I can't trust them.

Product: Cincinnati Insurance Companies Car Insurance

Comment

BODYSHOP
January 27, 2022 • @BODYSHOP

We repaired a vehicle for an auto claim in 2021. The final invoice was emailed to the insurance company on 11/26/2021. As of 1/27/2022 we are unable to obtain a response from the insurance company about approval or payment.

Product: Cincinnati Insurance Companies Car Insurance

Comment

danciske
December 5, 2021 • @danciske

Bumped into an unoccupied car in a parking space, No visible damage, we drove away. Claim was filed later for a 42 year old car, Cincinnati paid a small amount, less than $500 we understand. Cincinnati now says they will not renew our coverages. Perfect records for past 30 years, then this very minor accident and they use it as an excuse to cancel.

Product: Cincinnati Insurance Companies Car Insurance

Comment

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Cincinnati Insurance Companies Q&A(1 question)

Is Cincinatti a good insurance company for house and auto insurance

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Cincinnati Insurance Companies Contact

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Main: 513-870-2000
Toll Free: 888-242-8811

Street Address

6200 S Gilmore Rd

Fairfield, OH 45014

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