top of page

Carrier Spotlight: Cincinnati Insurance

Click here or call (810) 653-2602 to request a Cincinnati Insurance quote


We are in the business of helping when disaster strikes – helping policyholders recover financially; helping families and businesses restore their lives and livelihoods; helping communities regain a sense of stability. We look to pay all that is due under your policy after a covered loss. You'll appreciate the prompt and personal service our local field claims representatives deliver to help you get back on track.


Locally based agents have relationships in their communities that lead to satisfied, loyal policyholders. Because they live and work where you are, they are uniquely suited to serve your needs. We complement the service you receive from your agent by employing local field representatives who are supported by associates at our headquarters in Fairfield, Ohio. These empowered field representatives take action to respond to agents and policyholders quickly and personally.

We continuously strengthen service by offering agents and policyholders a stronger local presence, unparalleled claims service, and competitive insurance products for your business, home, auto, and life insurance needs.

Our financial strength, stability, and ethical approach allow us to better serve agents, help people recover financially after covered losses and build value for shareholders.

Cincinnati Insurance Auto Insurance

The Cincinnati Insurance Company is based in Ohio and stands out from many standard insurers through its varied selection of coverage options for car insurance and homeowners insurance. While the company primarily caters to those of high net worth, it's rated very positively by reputable organizations, and could be a great option for those looking for a premium experience in customer service, claims processing and coverage. It offers auto and home insurance in most states and relies on independent local agents to write policies. Cincinnati also provides a wide variety of other insurance products, such as life insurance, umbrella and business insurance.

If you're looking for special benefits from your auto insurance coverage or seeking to protect a collectible car, Cincinnati Insurance Company could meet your needs. This insurance company caters to those of high net worth, but it could be a good option for protecting your vehicle with a varied selection of coverage enhancements, which can be customized to your liking. While this insurer doesn't have many individual endorsements to choose from — which is usually the case with many national companies — Cincinnati Financials' model offers a few tiers of car insurance coverage that may come with a plethora of unique perks, like deductible-exempt replacements for airbags, child safety restraint seats, door locks and auto glass.

Cincinnati Insurance Company does not offer many discounts or an online quoting tool — again making it an outlier compared to the biggest insurers — but it earned favorable ratings from reputable third-party agencies.

Cincinnati Insurance Homeowners Insurance

Many of Cincinnati's homeowners insurance policies may be appealing to those who own high-value properties and require some extra protection. The company has three tiers of coverage, the most basic of which covers homes of any value, but their upper two tiers cover homes that are worth more than $500,000 and $1 million, respectively. Nonetheless, Cincinnati Insurance Company provides a multitude of add-ons, like earthquake insurance, flood coverage and wildfire mitigation, and even some uncommon ones like coverage for golf carts, kidnap and ransom expenses and emergency event cancellation.

It was also rated positively by third-party agencies that judge insurers' financial strength and record of consumer complaints. The company doesn't offer many discounts but had lower rates than its competitors, including Chubb (which similarly is geared towards those with many assets) and some of the largest, most recognized names in insurance.

Other Industries and products we specialize in at The Fulcher Group:

Manufacturing Insurance

Preschool & Daycare Center insurance

Automotive Manufacturing Insurance

Tool & Die Shop Insurance

Staffing Agency Insurance

Food and Agriculture Insurance

Freshwater Technology and Services Insurance

Non-Profit Insurance

Cannabis Facility Insurance

Investment Properties – Commercial landlord Insurance

Habitational/Hospitality Insurance

Medical Malpractice Insurance

Elementary and Secondary (K-12) School Insurance

Home Insurance

Condo Insurance

Renters Insurance

Motorcycle Insurance

Watercraft Insurance

Umbrella Insurance

Small Business Insurance

The Fulcher Group offers Cincinnati Insurance in Davison, Burton, Flint, Fenton, Beecher, Flushing, Grand Blanc, Goodrich, Swartz Creek, Linden, Mount Morris, Clio, Argentine, Otisville, Lapeer, Genesee, Michigan, and surrounding areas.

329 N State Rd, Davison, MI 48423

(810) 653-2602

  • Grey Facebook Icon
  • Grey Google Places Icon

CA License: 0G47886

We use cookies to personalize and enhance your experience on our site.  Visit our Privacy Policy to learn more. By using our site, you agree to our use of cookies, as well as our Privacy Policy and Terms of Use.

bottom of page