Cincinnati Insurance Homeowner's Policy Review

Company Overview

Kuchengetedzwa kwemusha wako uye zvinhu zvakakosha zvikuru kuti uende kune imwe nguva. Iwe unoda kambani yemuimba yunivisi yekodhi yakaratidza kuti inokudzivirira kubva pakurasikirwa kunokonzerwa nemoto, mamiriro ekunze kana imwe njodzi. Cincinnati Insurance yakaratidza ivo pachavo senhare yakanyanyisa inshuwarheni iwe unogona kuvimba nokuda kweinishuwarenzi yako inoda. Cincinnati Insurance iri mumakumi maviri ezvimwe zvivigiro zvepamusoro uye kuurawa kwehupfambisi wechipatimendi muUnited States zvichibva purogiramu yakanyora yakanyorwa.

Cincinnati Insurance Company yakagadzwa muna 1950 nevana vanomiririra . Iyo kambani yakadzika midzi mumasangano ayo akazvimiririra nehurongwa hwezvimiririra kune hurumende makumi matatu nemakumi mana. Ikambani iyi inowanikwa mu Fairfield, Ohio uye ine vashandi vanopfuura 3 000 munyika yose. Mukuru mukuru ndiye Steven J. Johnston. Muna 2016, Cincinnati Financial Corporation yakashandura iyo Fortune 500 urongwa.

Simba reMari uye Kugutsikana Kwevatengi

AM Best akaisa kukosha kwesimba reCincinnati Insurance seA ++ (Superior). Kuratidza kuenzanisa kunopa Cincinnati Insurance se A +, Moody's seA1 (Yakanaka) uye Standard & Poor inopa kambani kukosha kweA (Strong). JD Power & Associates yakaratidza Cincinnati Insurance semuiti wepamusoro munzvimbo yekugutsikana kwevanhu vose.

Bhizimusi Bhizinesi Bureau Rating

Cincinnati Financial Corporation yakange iri bhizinesi rakagamuchirwa neBusiness Business Bureau kubvira 1/1/1981 uye rine "A +".

Iyo kambani ine zvikamu zvakakanganwa zve 3.68 kubva kune 5 nyeredzi zvakabva ku 3 kuongororwa kwevatengi. IBBB inongorongedza zvikwereti zvese zvevashandi 14 kune kambani inenge yakaderera sangano guru rakadaro. Pakati pemakwikwi gumi nemana, 3 dzakarongerwa sekubhadhara / kuunganidza uye zvikwereti 11 zvaiva nezvinhu kana mabasa.

Policy Owner's Policy

Cincinnati Insurance inopa maitiro akasiyana-siyana ekugadzirisa mazano nemutemo weimba yeimba. Mukuwedzera, iwe unogonawo kusarudza chirongwa chekondomu kana varimi kana zvichidiwa. Kune vose vanoita zvekumba kwenyika kudengenyeka kwenyika kunowanikwa (kunze kweOregon). Ngoro dzegorofu dzakafukidzirwawo pamitemo yose. Heino mhando dzemitemo yeimba yeimba inowanikwa:

• Mutungamiri weParamende : Mutungamiri wekutungamira unobvumira kuti uite zvinyorwa zvako kuti zvikwanise hupenyu hwako hwakasiyana. Iyo mitemo inopa kugoverwa kweimba yako nedzimwe zvivako, pfuma yako, mutoro wepamutemo wekukuvadzwa kwemuviri kana kukuvadzwa kwepamwe kune vamwe uyezve zvimwe zvekugara mari kana iwe uchifanira kuchinja kwenguva pfupi nekuda kwe kurasikirwa kwakafukidzirwa.
  
• Mutungamiri Classic Policy : Mutungamiri mukuru wehurumende ndeyeimba yepamusoro-pfuma. Iwe unowana huwandu hwakafanana nehutungamiri hwepamusoro nehumwe humwe hufumi. Iyi mitemo ichabhadhara kuongororwa kunopedzeredzwa kugadzirisa mari yekuvandudza imba yako mumazuva ano. Iwe uchaitawo kuti imba yako ivakwezve nekushandisa zvinhu zvekuvakwa kwakafanana sekugadzirwa kwako kwezvino. Iko hakuna ducuctible yekuderera kwezviri mukati. Kana mumwe munhu achishandisa utsinye iwe, iwe une $ 25,000 kuti uwane mari yepamutemo, mapepa nemamwe mari ekudzorera chikwereti chako. Mutungamiri wepamusoro weimba yeimba yaanogara achavharawo kurasikirwa kwemvura kunokonzerwa nekudzokera shure kwemasipiresi kana mvura.

Zvimwe Zvinyorwa

Pane dzimwe mhando dzekugovera iwe unogona kuwedzera kumutemo weimba yako unosanganisira:

• Bhizimisi rekugara : Ichi ndicho chinyorwa chebhizimisi raunoshanda kunze kweimba yako sekutora mafirimu, masangano ekunyora, mishonga yemusha, mhizha kana mumhanzi vadzidzisi. Iwe unowana kugoverwa kwebhizimisi rako rega, mabhuku ebhizimisi, kupindira kwebhizimisi uye kuvharirwa kwebato kusvika kumiganhu yemitemo.
  
• Bhizimisi Bhizimisi : Anokutengesa kune chero mutoro wepamutemo nekuda kwekukuvadzwa kunokonzerwa neunyanzvi hwemhizha iwe unopa. Mimwe yemhando dzehutano hwezvemhizha dzinosanganisira kugoverwa kwevadzidzisi vembwa, vashandi vevashandi vevanhu, vadzidzisi, vanachiremba, mabhizimisi kana mabhizimisi ezvekasa, vashumiri, mazvikokota, maETTs uye mazino ekuchenesa mazino. Iyo inyanzvi yemitemo inopa mhosva inopa kusvika ku $ 200,000 pamhosva. Kana ukasarudza, iwe unogona kuwedzera purogiramu yebasa rako rembraira kuti uwedzere kugoverwa kusvika $ 1 mamiriyoni kana kupfuura.
  

• Kuzivikanwa Kwokubhadhara Kubhadhara Mari Inoshandiswa uye Basa Rokutsigira Mutsigiro : Izvi zvinotsigira mari yekudzorera unhu hwako kana yakabiwa. Iwe unogamuchira rubatsiro rwako pachako kuti ugadzire chikwereti chako chekwereti, kuvhara chero upi hwemhosva uye upedze chero mamwe mapepa anodiwa. Izvi zvatove zvakabatanidzwa nehutungamiri hwematongerwo enyika.

Discounts

• Multiple Policy Discount
• Musha Mutsva Discount
• Musha Alarm Discount
• Kwete Zvikwereti Discount

Pros uye Cons

Pros

• Rakanaka rakanaka mubasa revanhu
• Strong claim claims record
• Zvakanakisisa kugadzirisa zvisarudzo nemutemo weimba yeimba
• Simba reMari Rinosimba

Cons

• Haasi yezvikwereti zvakawanda zveimba yeimba semamwe makambani einishuwarenzi
• Hapana inshuwarisi inowanikwa inowanika paIndaneti

Company Contact Information

Kuti uwane mamwe mazano pamusoro pemitemo yeCincinnati Insurance Homeowner kana zvimwe zvishandiso zvemishonga, unogona kushanyira Cincinnati Insurance website, shandisa mujeri panzvimbo yekushanyira nhengo yekamba kana kutifonera 513-870-2000.