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:
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 09/26/2025.
3.1
209 reviews
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209 reviews from WalletHub and across the web
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Cincinnati Insurance Companies
WalletHub @WalletHub
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3 Star Rating
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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:3.3/5
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
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Cincinnati Insurance Companies
Lauren Alverson @LaurieSue
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1 Star Rating
Used them for both car and house insurance; they gave us the best deal at first and were super nice when we could immediately pay. This year, when it came time to renew, their rates had doubled! We didn't have the money, and they said we could make payments. The woman said they would notify us before the first payment went out so we could make sure we had the funds, but she did not. They took the money out and overdrafted our account. Called back when we had the funds to pay, and two weeks later, again without informing us ahead of time, they took out the next payment and overdrafted our account again! Horrible customer service and no communication, and we never heard from our actual agent, always this woman. The final payment came due, and we received a message that we'd be dropped if we didn't pay it. We immediately pulled over on the side of the road and paid it, only to find out today that they still dropped us! We are getting quotes from other people now; these people are disappointing.
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Product: Cincinnati Insurance Companies Home Insurance
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Cincinnati Insurance Companies
jimmymerge @jimmymerge
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1 Star Rating
This company cares nothing about its customers. Their representative, whom I was assigned after I was rear-ended (not our fault), completely ignored us and didn't follow through on anything she said she would do. Hopefully, no one else gets stuck with Jaclyn Hirschi. She is too busy to help anyone. I got stuck dealing with the other insurance, was low-balled on my property damage, and even after talking to someone about all of this, it's all about passing the buck and blaming us. We are out of money on our car, and they don't care. They were "too busy with other things." An absolute crock. They dropped the ball, they know it but are too proud to admit fault. The supervisor is no help either. You find out how good the insurance is when you need it. Premiums are affordable, but don't expect them to lift a finger to help. They clearly lack compassion for their customers. Disappointing as I was referrred here.
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Product: Cincinnati Insurance Companies Car Insurance
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Cincinnati Insurance Companies
James Kinley @jkinley9
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1 Star Rating
Hope you don't need to file a claim with Cincinnati... Or else!
We had been a customer of Cincinnati Insurance for home and auto since 2020 and, up until last year, had filed zero claims and never missed a payment.
In 2023, we filed a minor claim for water damage in our house, which turned out to be a relatively painless experience. This week, we received a letter in the mail stating that Cincinnati was dropping our home insurance "due to filing a claim in 2023."
I am somewhat shocked that a company, whose literal function is to insure your property, drops a client for insuring my property. One minor claim and we were out. I would completely understand if we lived in a risky area or were frequent filers, but one claim and we're gone? So much for loyalty or having your customer's back. It seems they just like it when you pay their premium each month and never utilize the service of insuring you.
We will definitely be switching our auto policy as well to another provider, as we have no desire to work with a company that is this fickle with their customer base. I would highly recommend using another provider.
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Product: Cincinnati Insurance Companies Home Insurance
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Cincinnati Insurance Companies
Amelia Jones @kandjparker
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1 Star Rating
They will NOT pay valid hail claims for your roof! Unfortunately, you never know how good your insurance company is until you have a claim. We've had Cincinnati Insurance Company for 20 years. In the past 10 months, my area has experienced two significant and damaging hail storms. All of my neighbors have been approved for new roofs due to the hail damage. I am the only one who hasn't. According to other insurance providers and the roofers that have come out, I am literally the only one who hasn't been approved for a roof due to the 4/20/24 hail storm in Rock Hill, SC. Cincinnati uses the same technique for denying valid hail claims, sending an 'engineer' who sends a 'canned' report that is very long and wordy but is actually a cut-and-paste job with faraway photos, claiming there is no hail damage to the roof. This report differs greatly from what your eyes see and what professional roofing companies see upon their inspection of the roof. Cincinnati's plan of action is to defer, delay, and eventually deny all hail claims. Do your research; since experiencing hail storms and how Cincinnati has handled mine, I have found many people with the same experience. A final note, the Cincinnati Insurance company just settled a class-action lawsuit in May 2024. It spanned over 10 states and 10 years and found Cincinnati was 'cheating' their customers out of critical insurance dollars. Do your research; check with other people who have Cincinnati... it will pay off in the long run. Avoid them at all costs.
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Product: Cincinnati Insurance Companies Home Insurance
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jvonallmen @jvonallmen
Have you talked to an attorney I have the same problem in Michigan
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Karol Martin @Klymar
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1 Star Rating
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.
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Product: Cincinnati Insurance Companies Car Insurance
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Cincinnati Insurance Companies
csphotographyky @csphotographyky
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1 Star Rating
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.
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Product: Cincinnati Insurance Companies Professional Liability Insurance
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Cincinnati Insurance Companies
AhsokaTano1970 @AhsokaTano1970
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5 Star Rating
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.
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Product: Cincinnati Insurance Companies Home Insurance
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Cincinnati Insurance Companies
liznat @liznat
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1 Star Rating
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.
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Product: Cincinnati Insurance Companies Home Insurance
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Cincinnati Insurance Companies
hsrlllcummins @hsrlllcummins
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1 Star Rating
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
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Product: Cincinnati Insurance Companies Car Insurance
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Cincinnati Insurance Companies
anonxexpectus @anonxexpectus
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1 Star Rating
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.
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Product: Cincinnati Insurance Companies Car Insurance
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Cincinnati Insurance Companies
Sharon King @Smking
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2 Star Rating
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.
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Product: Cincinnati Insurance Companies Car Insurance
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Cincinnati Insurance Companies
BODYSHOP @BODYSHOP
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1 Star Rating
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.
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Product: Cincinnati Insurance Companies Car Insurance
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Cincinnati Insurance Companies
danciske @danciske
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1 Star Rating
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.
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Product: Cincinnati Insurance Companies Car Insurance
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Cincinnati Insurance Companies
Robert Skechak @robskechak
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1 Star Rating
Not recommended for business coverage. We had made a bad hire and had a couple claims in a 1.5 month period. I checked on when payment was due and was told the end of the year. I received a call Tuesday from my agent stating if we didn't pay by midnight we would be cancelled. Shocked, I said pay, what are you waiting for? Shortly after I received a call stating they took payment but would not renew. I was told it was not cancelled and also that payment was due at the end of the year. Meanwhile I receive no paper or email bill or notices of cancellation from this company, I had to rely on following up with my agent who would not call me about payments, typically. meanwhile my business has to stop work and my agent and this carrier carry on. Big insurance screwing small companies. I recommend finding a company who offers great customer service. Its not Cincinnati Insurance Company
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Product: Cincinnati Insurance Companies Business Insurance
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Cincinnati Insurance Companies Q&A(3 questions)
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