logo

Call Us Today

(513) 587-3553

  • Why Cincinnatus?
    • About Us
    • Meet The Team
    • Join Our Family
    • Lucius Quinctius Cincinnatus
    • Our Blog
    • Leave A Review
    • Refer A Friend
    • Accessibility
  • Our Products
    • Personal Insurance
    • Commercial Insurance
    • Life Insurance
  • Get Quotes
  • Contact Us
    • Customer Service Center
    • Login To Your Account

Specialty Dwelling

Looking for Rental or Vacant Property Insurance in Cincinnati?

If you own a rental property in Cincinnati or a home that happens to be vacant, a traditional homeowners insurance policy will not work.

You need what’s called a “Specialty Dwelling” insurance policy.

This is because traditional homeowners insurance excludes coverage for properties that are not owner-occupied.

In other words, if you don’t live in the house, it’s only covered by a specialty dwelling policy.

Cincinnatus Insurance represents several carriers who can insure your rental property, or specialty use property.

Specialty Dwelling Insurance

There are multiple scenarios where specialty dwelling insurance is necessary:

Rental Properties — Specialty Dwelling insurance is the only type of policy that will work for a rental property.

There are certain coverages that you need as the owner of a non-owner occupied property that are only provided by a specialty dwelling insurance policy like for example Landlord Furnishings, and Tenant Liability.

Vacant Homes — vacant homes can present all kinds of problems which is why they can be extremely difficult to insure. Most insurance companies want nothing to do with a property that is vacant. We can help you though.

Seasonal & Vacation Homes — in many cases, in order to insure a secondary, seasonal, or vacation property, most companies require that you insure your primary residence with them as well, which isn’t always possible.

Older & Lower Value Homes — if your home is extremely old and/or the market value is considerably lower than the cost to rebuild it, many insurance companies may hesitate to cover it. Older or lower-valued properties present a number of problems, but we have access to specialty policies specifically for these types of homes.

Credit Problems — some homeowners might not have strong enough credit to qualify for a “standard” homeowners policy. When this is the case, specialty dwelling insurance is the alternative.

Homes Under Construction — in some situations your renovation, addition, or reconstruction project may require a specialty dwelling policy.

How to get started on your quote

If you live in Cincinnati and have a property that fits these parameters, give us a call and we can quote your property to see who has the best product for you.

insurance agency Cincinnati OH

insurance agency Cincinnati OH

Visit Our Office

4790 Red Bank Expressway
Suite 207
Cincinnati, Ohio 45227
Get directions
(513) 587-3553
sales@cincinnatusinsurance.com

Contact Us

Cincinnatus Insurance LLC
4790 Red Bank Expressway
Suite 207
Cincinnati, Ohio 45227
Get directions
(513) 587-3553
sales@cincinnatusinsurance.com

Connect With Us

  • Facebook
  • LinkedIn
  • Twitter

Licensed in OH, KY, IN & MO

insurance agency Cincinnati OH

Like Us

Cincinnatus Insurance

Copyright 2018 Cincinnatus Insurance, LLC. | Website by Advisor Evolved

Call Email Service Center Payments
×
Send Message In App
This website uses cookies to improve your experience. We'll assume you're ok with this, but you can opt-out if you wish. Cookie settingsACCEPT
Privacy & Cookies Policy

Privacy Overview

This website uses cookies to improve your experience while you navigate through the website. Out of these cookies, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may have an effect on your browsing experience.
Necessary
Always Enabled
Necessary cookies are absolutely essential for the website to function properly. This category only includes cookies that ensures basic functionalities and security features of the website. These cookies do not store any personal information.
Non-necessary
Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. It is mandatory to procure user consent prior to running these cookies on your website.
SAVE & ACCEPT
Skip to content
Open toolbar

Accessibility Tools

  • Increase Text
  • Decrease Text
  • Grayscale
  • High Contrast
  • Negative Contrast
  • Light Background
  • Links Underline
  • Readable Font
  • Reset