
Cincinnati High-Value Luxury Home Insurance
Insuring High-Value Homes, Autos, Valuables & Collectibles, Yachts, Umbrella and more
High-Value Home Insurance by Cincinnati Insurance Company
The Cincinnati Insurance Executive Capstone Home Policy is designed specifically for high-value homes over $1.5 million dollars plus

Cincinnati Insurance Company and it’s Executive Capstone Home Insurance program covers the full replacement cost to rebuild your home, in most states, and uses professionals to help establish the cost to reconstruct your high-value home with all its special features. Most insurance companies do not offer Full Replacement Cost of your Home.
Additional coverage could include:
- Water damage due to sump pump failure, backup of a sewer or drain.
- Loss from operating your golf cart to visit friends, go shopping or to the golf course as long as your golf cart is not licensed for road use.
- Wildfire Protection Service provides potentially home-saving wildfire mitigation services.
- Kidnap and ransom expense for your or a covered family member who is wrongfully taken or detained.
Add optional Enhancements for your Cincinnati Homeowners Policy:
Cincinnati Insurance Company’s optional Exectutive Capstone Homeowner enhancements allows you to add additional coverages to your policy to ensure your high-value home is secure. Coupled with our exceptional local claims service, these unique coverage options add additional protection and security for you and your family.
- You can receive insurance coverage for damage to or by golf carts, on or off the course.
- You can add our Identity Theft Expense Coverage and Advocacy Service.
- Personal Cyber Protection, which can be added to your Cincinnati Insurance home, or condo policy to protect you from a range of personal cyber risks.
Client Reviews & Testimonials

Cincinnati Insurance Agent
Cincinnati Insurance Company offers the Financial Strength to Protect it’s Clients
Founded in 1950, Cincinnati Insurance Company is among a select group of insurance companies that have been ranked A+ or higher by A.M. Best Company for more than 50 years. A.M. Best and three other independent rating firms award our property casualty and life operations with strong insurance financial strength ratings that assess our ability to meet our financial obligations to you.
Cincinnati Insurance provides you with unparalleled claims service, convenient technology solutions, competitive products and empowered, Cincinnati Insurance Agents.
Our Values
Cincinnati Insurance Company is commited to the practices that go beyond what is required, our associates consistently deliver services and insurance products to protect what matters to you.
Relationships
As your Cincinnati Insurance Agent, we become your trusted advisor and work with you to adjust coverage to meet life’s changes.
Financial Strength
Cincnnati Insurance Company is AMBest A+ rated and ready to serve and help restore you after a covered loss.