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Personal Insurance Basics

What Is Personal Insurance?
Personal insurance transfers the financial consequences of certain personal losses from individuals and families to an insurance company. Without insurance, most of us could not buy our homes, finance our cars or prepare for unexpected financial hardships. Cincinnati offers homeowner, auto, umbrella and watercraft coverages and more. Always choose value over price alone and let an independent agent representing Cincinnati help you with your insurance protection.

How Do I Choose the Right Company?
All companies are not alike. When you and your agent choose an insurance company, ask about its financial strength and its reputation for claims service. Consider how much it’s worth to you that your insurance company remains financially sound and responds to claims person to person, paying all that is due under each policy. Cincinnati rates high in all these areas as evidenced by our published rankings, providing value to our policyholders.

Do I Need Auto Insurance?
Auto insurance is often a legal requirement. Many states require you as a driver to obtain insurance or to provide evidence that you have the financial resources to pay a judgment against you if you are liable for injury or damage to another person. In addition, you may be required to carry comprehensive and collision coverage, protecting your lender’s interest when you have a loan on your auto.

Do I Need Homeowner Insurance?
If you have a mortgage on your home, you are required to have homeowner coverage protecting your mortgage company’s interest in case of damage or destruction. Even if you pay off your home, most homeowners maintain coverage to safeguard against financial hardship in the event of a loss.

What Is an Umbrella and Do I Need One?
An umbrella liability policy provides increased personal liability limits to pay claims above and beyond the dollar amounts covered by your primary auto or homeowner insurance policy. When your primary insurance is not enough, the umbrella policy is triggered, spreading its protection. Coverage may also be initiated if the umbrella affords coverage not found in the primary policy. Umbrella liability policies typically cover you and your family members who live with you when responsible for accidental injuries to another person or another person’s property.

You don’t have to be a millionaire to be sued for a million dollars. If you can answer “yes” to any of the following, you should consider an umbrella liability policy:

  • Do you own a home or a condo?
  • Do you own an auto(s)?
  • Is there a teenage driver in the house?
  • Do you have a swimming pool?
  • Do you have a dog?
  • Do you own a boat?
Contact an Agent
Cincinnati Insurance serves you exclusively through a select group of independent agencies that perform as premier insurance organizations in their local communities. To obtain a quote, report a claim or learn more about the value of Cincinnati’s insurance policies and reliable claims service, please find your local independent agency today. Coverage and credit availability varies by state. Underwriting requirements apply. This is not a policy.


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