Discover optional coverages that can help protect what matters most & the discounts available to you.
Is your policy protecting everything you expect?
Many coverages aren’t automatically included in every policy. These optional endorsements can provide additional protection for your property, vehicles, assets, and more.
Many coverages aren’t automatically included in every policy. These optional endorsements can provide additional protection for your property, vehicles, assets, and more. Every insurance policy is different, and no two individuals have the same needs. That in mind, our carrier partners offer optional endorsements that can customize your coverage beyond a standard policy. Explore some of these endorsements below to learn what they cover, who they’re best for, and why they may be worth considering.
If you’re unsure whether you already have one of these coverages, if you’d like to discuss in more details or if you’d like to make an adjustment, we’re here and ready to review your policy and help you identify any gaps.
Property
Service Line: Service line coverage can help you recover after damage to underground, exterior utility or service lines. Add protection to your homeowner policy to guard against potentially expensive failure of utility lines for water supply, waste disposal, electrical power, heating, communications, drainage or compressed air lines.
Receive coverage for line failures due to:
- freezing or frost heave
- root invasion or other external forces
- line failure due to rupture or breakage
- wear and tear
- rust or corrosion
You receive the cost to repair or replace the covered service line, including excavation costs and damage to outdoor property. If you can’t live in your home until repairs are made, you receive help for that, too.
Cyber
Personal Cyber Protection offers coverage and services for computer attacks, cyber extortion and online fraud that can happen with smartphones, computers and other connected home devices.
Auto
Extended Transportation Expense (Rental Coverage): Can cover a rental car if your vehicle is being repaired after an accident.
Capstone Auto Coverage: Depending on your policy and the coverages you select, Capstone can include benefits such as OEM parts for covered repairs, new car replacement for qualifying vehicles, agreed value coverage for collector vehicles, GAP coverage, enhanced roadside assistance, and increased transportation expense.
Personal Umbrella
Accidents happen, whether you’re at home or on the road. A Cincinnati umbrella policy gives you extra liability protection on top of what your home or auto policy covers, with coverage limits ranging from $1 million to $100 million to address your specific needs.
An umbrella policy from Cincinnati protects you whether you’re traveling in the U.S. or abroad. Travel confidently knowing your coverage follows you wherever you go. Unlike an excess liability policy, a Cincinnati umbrella policy may provide coverage on a first-dollar basis, should your primary insurance policy not cover certain claims or allegations against you.
Some of the Cincinnati discounts available:
- Central Station Alarm Discount (burglar and/or fire)
- Water Sensor/Automatic Water Shutoff Discount
- Paid in Full Discount
- Student Away at School Discount/Good Student Discount
Cincinnati Personal Insurance Quote Request
As an independent agency, we offer multiple options at competitive prices.
