Enhanced Replacement Cost

Policyholders with Cincinnati’s Executive Classic have built-in Guaranteed Replacement Cost coverage. Policyholders with most other Cincinnati homeowner products can add Enhanced Replacement Cost coverage, an exceptional value, worth thousands of dollars to you and your family. It covers the amount of a loss to your home that exceeds the coverage limits you purchased, as specified on your policy declarations page.

Be Sure You Can Rebuild

No one really knows the exact replacement cost of a home until a loss happens. Cost to rebuild often surpasses the original cost of purchase depending on many factors. Your local independent agent can help you estimate values to rebuild or replace your home, but such calculations are far from an exact science.

You can ensure some room for error by building Enhanced Replacement Cost coverage into your homeowner policy. Enhanced Replacement Cost pays up to 25 percent above the limit specified for your dwelling on your policy declarations page, just in case it costs you more when you replace or rebuild your home after a covered loss.

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