By Jon Merwin, Founder and CEO
Cincinnati Insurance is one of the carriers we turn to for high-value homes. It writes homes at any dwelling limit, and we often compare it with Chubb for the same home. As an independent agency, we put Cincinnati side by side with our other carriers and explain where it fits. We write Cincinnati in every state where PAI is licensed.
Portsmouth Atlantic Insurance is a family-owned independent agency founded in 2005 and licensed in 10 states. We work with 40+ carriers. New Hampshire’s highest-rated agency on Google · 1,000+ Google reviews and over 2,000 testimonials.
Where Cincinnati fits among our high-value carriers
Cincinnati doesn’t start or stop at a dollar tier for high-value homes. It writes homes at any dwelling limit, though it usually looks for a dwelling limit of at least about $150,000. Above that, what decides the fit is the home itself: construction, age and updates, location, protection, and what else you want to insure.
Chubb also writes high-value homes at any dwelling limit, and we often quote both. For many homes, Openly and National General are also worth comparing, since both fit homes up to about $5 million. Read more about how we choose carriers.
Coastal and high-value homes in New Hampshire and Connecticut
New Hampshire
From Portsmouth, Rye and New Castle on the Seacoast to inland homes with acreage, New Hampshire high-value homes raise questions about rebuilding costs, older construction, wind exposure and flood. See our guide to high-value home insurance in New Hampshire.
Connecticut
Cincinnati is on our list of Connecticut homeowners carriers. Shoreline homes in Fairfield County face wind and flood exposure and separate hurricane deductibles, and homes inland can bring their own questions about age and construction. See our guide to high-value home insurance in Connecticut.
More than the house
Cincinnati is also one of the carriers we work with for collector cars and for high-value auto. For many clients, that makes it worth looking at the whole program together: homes, cars and a personal umbrella that sits properly above them. See our collector car insurance page for more.
Flood is separate
Homeowners policies generally don’t cover flood. For coastal and riverfront homes, we quote flood alongside the home policy, comparing NFIP and private flood options. Learn more on our flood insurance page.
What to have ready for a Cincinnati quote
- Square footage, year built and major renovations
- Updates to the roof, wiring, plumbing and heating, with approximate years
- Alarms, generators, and water-leak or low-temperature monitoring
- Your current declarations pages for home, auto, umbrella and flood
- Vehicles and drivers, including any collector cars
For a closer look at the carrier itself, read our local agent’s Cincinnati insurance review.
When you have a claim
Call us first at (603) 431-4020. We help you report the claim to the carrier, explain what to gather, such as photos, receipts, appraisals and repair estimates, and follow up with the carrier until the claim is resolved. The carrier makes the coverage decision, and we stay involved throughout. Carrier claim contacts are also listed in our carrier directory.
Comparing Cincinnati for your home?
Send us a few details and we’ll compare Cincinnati with Chubb and our other carriers. Call (603) 431-4020.
Every carrier makes its own underwriting decisions, and coverage, forms and availability vary by state and policy. Nothing on this page is a promise of coverage or eligibility. We confirm the details for your home before you rely on a policy.
Frequently asked questions
Do you write Cincinnati homeowners insurance?
Yes. Cincinnati is one of the high-value home carriers we work with, and we compare it with Chubb and our other carriers so you can see which fits your home.
Is there a minimum dwelling limit for Cincinnati?
Cincinnati usually looks for a dwelling limit of at least about $150,000. Above that, it writes homes at any dwelling limit, and the fit depends on the home, its location and the rest of your program.
How does Cincinnati compare with Chubb?
Both write high-value homes at any dwelling limit, and we often quote both for the same home. We compare them side by side and explain the differences for your situation.
Can Cincinnati insure my collector car too?
Cincinnati is one of the carriers we work with for collector cars and high-value auto. Whether it fits depends on the vehicle, how it is used and stored, and the rest of your program.
Will you help if I have a claim with Cincinnati?
Yes. Call us first at (603) 431-4020. We help you report the claim, explain what to gather and follow up with the carrier until it is resolved. Cincinnati makes the coverage decision.
By Jon Merwin, Founder and CEO
Family-owned since 2005, with 1,000+ Google reviews and over 2,000 testimonials. Meet our team.