I was hit from behind recently by three cars. I was the front car and all three companies of the cars behind me denied payment for repairing my back bumper. I reached out to my insurer Cincinnati financial and they were flawless from the beginning. easy to get in touch with easy to get the repair done easy to get a rental. Couldn't be happier. Dave Crewes handled everything and was very professional. Happy I switched to this company after being with Allstate for 40 years! read more

they are the most cheapest ridiculous insurance company I've ever heard of. Someone with their insurance into you and they want to use the cheapest parts to fix your car when there was nothing wrong with it. My car was in perfect shape. No wonder they are 1.3 out of five. read more

I was a customer for two years with homeowners and auto policies. The following year Cincinnati decided to remove the insurance broker I'd worked with from representing them. My policy was written one day before the cutoff date, so I was able to keep it in force for an additional year, but I began shopping insurance anyway. Ultimately i paid for renewal, but got other coverage effective the following day. I sent a cancellation request within two weeks for both policies; that for my homeowners insurance was processed, but the auto cancellation was not processed. I did not notice this until after the 30 day window had passed; since I was on twice a year payments rather than monthly, it took nearly ten weeks for me to realize I had never received a refund for the car insurance. They treated this as me requesting a backdated cancellation and insisted I produce paperwork proving the effective date of my new policy. It took four months to get the policy cancelled. read more

I was a loyal home and auto insurance customer for 12 years. I believe that I submitted one home claim about 12 years ago when a tree fell in our yard. My basement flooded once last year, I submitted a claim, and Cincinnati immediately dropped me as a customer. Unbelievable. My new insurance company has me paying over $300 a month more. I am currently a single mom and working very hard to make ends meet. Thanks, Cincinnati, for making things even more challenging for me. read more

This is an opportunistic company that puts profits first and customers second. I have been customer for years-several houses, 5 cars, personal umbrella, valuables and serviced by a reputable broker. At start-up when I first began working with Sinfin, increases with reasonable, under 10% pa. In the past 3 both houses premium have doubled. In an effort to thrwart the impact of higher premiums I had to return to that old favorite-deductibles and increase them to $50k per house More to do got be to lower the all in $34k cost to $29 Then guess what a 7-10 day wait for the refund took 7 weeks. They waited until the end of 2025 had passed to refund me the money thereby keep the cash on their books Their profits come first Here is some additional insight. Dont buy the news that our brokers tell us about why Sinfin has to raise costs. Climate change, more natural disasters, etc. It's a bunch of BS They lost money on their investments. And because we dont have alternative insurers we have to swallow their greedy increases Upon investigation Sinfin incurred sizeable losses connected with its investment portfolio in the first quarter of 2025. They made bad investment decisions and had to take write-downs. Cincinnati Financial Corporation has reported a net loss of $90 million for the first quarter of 2025, compared with net income of $755 million for the same period a year earlier. The loss was driven in part by a $56 million after-tax reduction in the fair value of equity securities still held in Q1'25.The company also attributed the $845 million year-over-year decline in net income to the after-tax net effect of a $536 million decrease in net investment gains and a $356 million increase in after-tax catastrophe losses. However, In the second quarter, - Cincinnati Financial reported $685M net income in Q2 2025, doubling prior year results with 18% investment income growth. - Property casualty combined ratio improved by 3.6 pts YoY, driven by underwriting gains and lower catastrophe losses. - Commercial lines and excess/surplus segments grew 9% and 12% in net written premiums, supported by pricing strategies and agent relationships. - Personal lines saw 20% premium growth but faced California wildfire risk adjustments, impacting new business. - Key contradictions in reinsurance strategy, auto loss trends, and pricing dynamics were highlighted during the earnings call. So they grew personal lines' premium growth. But they cut back their underwriting personal lines of insurance. This is from a recent investor call New business written premiums decreased by $22,000,000 in our personal line segment, in part from a $13,000,000 reduction in California as we slowed growth in some parts of that state. So it appears they cut back on new personal line business business, especially in California, but those existing clients had to pay more in terms of renewal premiums. How else could net new business premiums decrease by $22mil while you still reported 20$ net premium growth. The answer is that existing clients incurred whopping increase in premiums. This is their President speaking on a recent investor call: "Four out of the last five years as a company overall, we've had double digit net written premium growth. And the one year we didn't was at 9.5%. So that is certainly, as Mike pointed out, that's helping the cause. Re your point on rising re-insurance costs, I'm not exactly sure it was more expensive re-insurance, but that they need to buy more re-insurance, likely due to their poor risk analytics. Again their President speaking on an investor call We do a deep dive and objectively look at any lessons learned. I think it's fair to say that we've got lessons learned out of California and we're already implementing some of those actions right now. You know, without getting into a lot of detail I would say, you know, you can it's again, it's fair to say or safe to say it's around model recalibration, around aggregation, and just our view of risk." So I think some of financial impact was due to their own miscalculations-they didnt appraise risk sufficiently well and they were under insured in the re-insurance market. So, concluding, if you look at these factors which occurred earlier in the year-bad investment decisions, write-downs of their equity portfolio, risk mismanagement, under insured risks,,,,it tells me that the basis for their need to increase premiums is not third party issues, like the weather or higher materials costs, it is their mismanagement, their poor performance. Now they seek to gouge their customers to generate and improve earnings and their financial position. I dont see it really other than they performed rather poorly. ! read more

Please learn from my mistakes and avoid this company at all costs. I have been insured with Cincinnati for 19 years and had zero claims until two hail storms hit our area, one in October 2023 and one in April 2024. Before filing a homeowner's claim, we had three local, well-known roofing companies come out to inspect the roof. All agreed, in both hail claim situations, there was significant hail damage, so we filed the claims. The April 2024 hailstorm made national news and dropped golf-ball-sized hail in our area. All neighbors on all sides of me had no problems getting their insurance companies to replace their roofs. In fact, over 75% of our neighborhood got new roofs from the April 2024 storm. But not our home. According to Cincinnati, we had a little gutter damage, but the 19-year-old roof was in great shape, so they sent a check for about 20% of the gutter value to cover what they deemed as hail damage. We have been fighting with Cincinnati for a year-and-a half and had to involve a lawyer just to get a response from Cincinnati and have additional inspections. Approximately three months ago, we received a check from Cincinnati for the Actual Cash Value for our roof, after multiple denials. Big red flag, because we paid for, and have a policy that states, Guaranteed Replacement Value. I could go on and on about all the tactics Cincinnati has used to try to delay, diminish, deny, bully, and scare us so we would go away. Three weeks ago, we replaced our roof out-of-pocket because no other homeowner's insurance company would insure a 20-year-old roof with hail damage. Our attorney notified Cincinnati of our plan to replace our roof in 30 days, allowing them time for any re-inspection, and Cincinnati advised our attorney that we could NOT replace our roof as it was 'destroying evidence'. Crazy, right? Cincinnati has inspected our roof six different times between the two storms, and of course, their first inspection is always by a "Roofing Engineer," not an adjuster, who they hire and deem an expert, and in turn, this 'engineer' writes a long report (more of a copy and paste) and puts his 'stamp' on it so it's supposed to be law. Litigation continues, and time marches on by, a total win for the insurance company whose goal is to delay, defer, diminish, and deny. Cincinnati is a pro at delaying things. Please learn from my mistakes; don't trust the paper the policy is written on; it means nothing if the insurance company doesn't want to pay and has a bag of tricks to try to wear you down so you'll give up. If you do end up in my situation, don't give up, don't settle, and research everything because what I'm experiencing is quite common with Cincinnati Insurance regarding homeowner's claims. Good luck to all who are learning the hard way. I have to count on the legal system, which understands contracts and can prove the weather by weather reports; however, no one should have to wait years and years for an insurance company to do the right thing based on the policy purchased and signed by both parties. read more

Just recently switched to Cincinnati for our homeowners insurance. Gave them the information requested for our house and was quoted a rate. Three months later received a bill for 30% more premium because they reviewed the information. Asked for another review and they said they would not change the new premium. What a bait and switch company. WOULD NOT RECOMMEND TO ANYONE read more

I have to add my voice to this Lane company. We switched to them a year ago. Because they were supposed to be excellent. They have been a nightmare to deal with. Every month that it drags out they keep lowering the price. They keep saying how much they are there for us the customer but they're not. They're terrible. read more

Horrible experience. Beyond horrible. Cincinnati represented both parties in a disputed claim. Cincinnati acknowledged the conflict, but they them let the other party make the call and deny liability!? They let their other insured party make the decision to deny my claim. And admitted that. Do not use!!!!! I am switching! read more

Absolutely horrible experience. Definitely would not recommend this company. They are difficult to reach, no one calls back, but they DO collect your money for the policy. However, when you have a credit on your policy they give you the run around to have the money refunded. The insurance adjustor was so bad that she was let go from the company. I had a small claim, if I had a large claim it would be a disaster. Read other's reviews, they are spot on with my experiences. read more

I had a very simple straight forward claim with this company. It was an injury claim on one of their insured's properties. Intially, the adjuster called back fast and did the interview. No complaints. I answered every question. He said that he would be back in touch with and would send an email and start a property inspection. All per usual, nothing out of the norm. A week went by, no email and no update. So, I reached out, said here is the exact location since you could never email me the map and also what's the status. No response. The next day, another adjuster called and said she was going to have to do a 2 to 3 hour interview with me. I asked her why, and she said to get details. Then I asked are you with SIU. She got very upset and said yes, and even questioned me how I knew that. I said, because I work in insurance and I know for a fact that this is not the norm, so again, why are you questioning me that long. She would not tell me why, said she didn't have to say. These all are unfair claims settlement practices and our right bad faith. I opened a claim with my health insurance company to subrogate foe the medical bills and they didn't like that either. It was a small claim, 1500 at most for pain and suffering. I finally said I am getting a lawyer and told her that her colleague said he would be in contact and never was multiple times. She did not care and said I would still have to cone for 3 hours. Finally, I asked her to put it in writing. She said it was because she wanted to get the details. I told her that I already gave the derails to the unresponsive one and asked why she needed any more detail. She would not answer. Finally, I just closed the claim. Then got a letter threatening me that the claim would still have a 3 hour investigation if I opened it again. This is all deceptive and they need their licenses taken and need to be sued. They may have the legal right to question and investigate, but they don't have the right to stall the claim through unfair practices like 3 hour interviews and not calling back.​ read more

We had been insured by Cincinnati Insurance for years but recently received a notice that we were canceled. The reason? We filed 2 claims in the last 5 years. Apparently, you can only keep home owners insurance as long as you NEVER file a claim. Seriously? read more

Took over a week before agent went to see my vehicle. He's evidently being trained. Had to have a Mgr go with him. Now waiting on his Mgr to help with paperwork. They shouldn't put an rep on a claim if he doesn't know what he's doing. Also doesn't call or respond to texts or voicemail. Maybe he needs training there as well. Makes me rethink my relationship with Cincinnati read more

Had commercial general liability insurance with these guys for years. Had one frivolous alligation by a client and received a non-renewal with not so much as a phone call or email. Just a certified package with no explanation saying that they would not be renewing at the first sign of potential trouble for them. Seek insurance elsewhere in my opinion. read more