Insurance Basics
Be Prepared
You can prepare for the unexpected with the proper personal or business insurance.
Whether you are looking to cover your auto, home, life or business, insurance
can help protect you, your family and your assets. Give yourself peace of mind
by counting on Cincinnati for exceptional service, quality products and
financial stability.
Review Your Coverages and Consider Value
Schedule a yearly insurance “check-up” with your independent agent to review
all your insurance, especially when you experience a major change in your life
or business. When reviewing your insurance, remember to consider value.
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, providing value to our
policyholders.
Earn Discounts
Depending on the kind of insurance, you may reduce the cost of coverage. Ask
your agent about:
- Good claim history – No claims or a small number of claims over a long
period of time can qualify you for premium credits.
- Healthy living – You may reduce the cost of your coverage by quitting
smoking, driving safely and following other healthy habits.
- Safety equipment – You may reduce your premiums by installing and properly
maintaining safety equipment in your auto, home or business.
- Higher deductibles – A higher deductible generally means a lower
premium.
- Multiple policies – You may qualify for a discount if you package multiple
policies with The Cincinnati Insurance Companies.
Report Claims Immediately
If you have a loss:
- Phone your insurance agent as soon as possible.
- Ask your agent how to proceed and what forms or documents are needed to
support your claim.
- Keep copies of all receipts and other related paperwork.
Contact an Agent
Cincinnati Insurance serves you exclusively through a select group of 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 polices 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.