Home Insurance for Individuals & Families 

Home

A Cincinnati homeowner policy covers your dwelling and other structures on the same property. It also covers your personal property and includes legal liability insurance to help pay for injuries or damages at your home. If you have to temporarily relocate as repairs are made due to covered damages, additional living expenses are covered.

Condo

With a condo owners policy, your personal property is covered as well as additional living expenses should you have to temporarily relocate due to a covered loss.

A condo owners policy covers you for expenses needed to make certain improvements to your unit for which you are responsible as well as for loss assessments charged to you by the condo association.

Renters

Renters insurance covers you and the belongings that make your space personal to you. In addition to your liability and personal property, a renters policy covers fair rental value and additional living expenses should covered damage make your rental dwelling unfit to live in or use.

Personal Liability

Everyday living brings the potential for accidents or allegations against you and your family. You could be held legally responsible for accidental bodily injury, personal injury or property damage to someone else. Liability coverage pays for your defense and reduces your chance of personal financial loss due to a covered event. Every Cincinnati homeowner, condominium and tenant policy includes personal liability coverage. You can increase your liability limits through the purchase of a personal umbrella policy.

Personal Cyber Protection

Many of the devices in your home might be connected to the internet. Data stored on computers, security systems, appliances – anything Wi-Fi enabled could be at risk from a cyberattack.

Cyber protection coverage can cover costs associated with a wide range of personal cyber risks including cyberattacks, cyber extortion and online fraud.

Identity Theft

Your personal information can be just as important as the valuables in your home. As identity theft cases continue to rise, consider adding identity theft coverage to your home, condo or renters' policy.

Identity theft coverage from Cincinnati provides access to a personal assistant to guide you through the maze of restoring your identity and help you to recover financially.

In the case of a covered event, our professional advocates can help with correcting credit reports, clearing inaccurate criminal record and completing paperwork.

Rental Property

Cincinnati offers insurance for your rental property for one- to four-families.

A Cincinnati rental dwelling policy covers your rental property, structures on premises, personal property as well as fair rental value and additional living expenses should a covered loss make your rental property unfit for normal use.