Find your local independent agent now, and together we’ll customize an insurance program specifically for you.

When Texas homeowners and collectors Raymond and Marydel experienced serious tornado damage, Cincinnati’s claims team ensured their artwork was professionally restored and made it possible for them to feel at home again.

“The Cincinnati Insurance Company’s product has always been for those that really appreciate having something better.”

Bill Snellings

Principal, Snellings Walters Insurance Agency

Live your life with peace of mind knowing you have the insurance coverages needed to protect your lifestyle, home and assets that you've invested so much time and energy to create.

You deserve Everything Insurance Should Be®, including specialized coverage features, limits and options tailored for the more complex insurance needs of clients with homes starting at $1 million. Backed by Cincinnati’s financial strength, stability and ethical approach to claims, we will be there to help you recover financially after a covered loss.

The Cincinnati Executive Capstone program covers the full cost to rebuild your home, in most states, and uses professionals to help establish the cost to reconstruct your home with all its special features. Additional coverages include:
  • Additional living expenses if your home is temporarily uninhabitable
  • Losses caused by water or water-borne material backed up through sewers or drains
  • Full cost to repair or replace your home’s contents, up to the policy limits, with no deduction for depreciation
  • Identity theft expenses and personal advocate to help you recover after an incident
  • Legal liability that you or your family might have for bodily injury, property damage or personal injury to others


Executive Capstone policyholders can add coverage where you need it most by adding Capstone endorsements:

Capstone Auto Endorsement
  • Provides the full agreed value for your vehicle after a total loss
  • Replaces your new car with the latest model year if your new car qualifies and is totaled or stolen
  • Covers the use of original equipment parts for repairs
  • Covers a rental with no daily expense limit while yours is repaired
  • Offers an option for antique and collector cars
Capstone Personal Articles Coverage
  • Provides appraisal value for your most valuable fine art, guns, jewelry and other collections
  • Pays up to 150 percent for scheduled articles to account for market value fluctuations
  • Covers up to $50,000 per item on blanket schedule
  • Extends coverage to works of art or jewelry in progress or on loan to you
Employment Practices Liability Coverage
  • Gives you additional liability coverage when employees work in your home and you add coverage to your Cincinnati umbrella policy
  • Covers up to five residence employees
  • Provides defense costs and covers judgments against allegations of wrongful termination, sexual harassment and discrimination
  • Offers limit options: $250,000, $500,000 or $1,000,000 with a $10,000 deductible
Flood Solutions
Preferred Primary Flood
  • Offers an alternative to a National Flood Insurance Plan
  • Covers detached and other structures, basements and improvements
  • Includes coverage for debris removal
  • Pays the extra costs to rebuild to current code after a loss
  • Pays the costs for preventative measures to avoid imminent loss
Excess Flood Endorsement
  • Provides higher limits in addition to what's provided by your Cincinnati Preferred Primary Flood or National Flood Insurance Plan
  • Covers your home, its contents and loss of use and other structures
  • Applies separate underlying policy limits of $250,000 for home and $100,000 for contents
Other Coverage Options
  • Motorcycles and motorhomes
  • Personally owned watercraft or yachts of various sizes
  • Green upgrades after a covered loss
  • Sudden, unexpected mechanical breakdown of appliances and heating, ventilation and air conditioning equipment

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“People often ask what our insurance was and how they treated us. Cincinnati has been a great insurance company. They made it possible for us to come home again.”

Dick and Anne

Homeowners and Collectors

About The Cincinnati Insurance Company

  • Top 25 U.S. property casualty insurer group based on 2021 net written premiums.
  • Rated A+ Superior earned by only the top 12% of insurers by A.M. Best.
  • Cincinnati-Style service experienced by policyholders and claimants.
  • More than 800 field claims associates to serve you person-to-person.

Find your local independent agent now, and together we’ll customize a specialized insurance program that protects your lifestyle and assets.

Find your local independent agent