Source: Cincinnati Financial — Real Estate Insurance
Cincinnati Financial: Real Estate Insurance Appetite
Cincinnati Financial handles real estate well in their operating territory, particularly for small landlords and property management companies in the Midwest and Southeast. Their local underwriters understand regional property values and risks. For coastal properties or operations outside their territory, look to Nationwide or Travelers.
Available Lines
| Line of Business |
|---|
| General Liability |
| Business Owners Policy (BOP) |
| Commercial Property |
| Workers' Compensation |
| Commercial Auto |
| Umbrella/Excess |
Premium Range
$1,500-$12,000
Typical annual premium
Target States
44 states (primarily Midwest, Southeast, Mid-Atlantic)
Key Features
- BOP for real estate offices and property management companies
- Commercial property for rental portfolios in their territory
- Habitational coverage for apartment buildings up to 50 units
- Loss of rental income coverage for investment properties
- Competitive rates for Midwest and Southeast properties
Limitations
- Real estate agent E&O must be placed separately
- Large commercial portfolios over $25M TIV need home office approval
- Coastal properties with hurricane exposure face restrictive terms
- Not available in 6 states
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