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McCluskey Insurance Services, LLC

9162 Union Cemetery
Cincinnati, OH 45249

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Insurance Blog

Can You Buy Umbrella Insurance Instead of Homeowners Insurance?

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Homeowners in Cincinnati, OH, want adequate insurance to protect their home and personal assets. One type of insurance available is umbrella insurance. With a call to McCluskey Insurance Services LLC, we can go over your current homeowners policy and answer any questions about the addition of an umbrella insurance policy for peace of mind.

What Is Umbrella Insurance?

Think of an umbrella insurance policy as supplementary coverage, while a homeowners policy is your primary coverage. You must first have a homeowners policy with adequate liability limits before an umbrella policy is possible.

Advantages of Having an Umbrella Insurance Policy

Whether you have rental properties, valuable items, or other assets you want to protect, umbrella insurance is an option, but it does not replace homeowner’s insurance. Instead, if an incident occurs, such as an injury lawsuit filed against you, the umbrella policy will step in when the coverage limits on your homeowners policy are exhausted. The umbrella insurance would be used to cover the additional costs up to its coverage limits. 

Contact Us

If you think umbrella insurance may be a good fit for your home in Cincinnati, OH, contact our team at McCluskey Insurance Services LLC. We can help you add it to your homeowners policy to safeguard your assets and financial outlook.

How Classic Car Insurance Handles Multiple Vehicles in a Collection

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Managing insurance for multiple classic vehicles requires specialized knowledge and tailored coverage strategies. At McCluskey Insurance Services LLC in Cincinnati, OH, we understand that serious collectors face unique challenges when protecting their automotive investments. That’s why we offer policies explicitly designed for multi-vehicle collections.

Collection-Based Policy Structures

Many classic car insurers offer collection policies that cover multiple vehicles under a single policy, eliminating the need for separate policies for each vehicle. This approach often results in cost savings and simplified management, while ensuring each vehicle receives agreed-upon value coverage. Collection policies also allow you to add or remove vehicles during the policy term, making them ideal for active collectors who frequently buy and sell cars.

Flexible Coverage and Usage Terms

Multi-vehicle classic car policies often include flexible driving allowances tailored to the needs of collectors. Some vehicles may be used regularly for car shows, while others remain garage-kept or reserved for weekend drives. Insurance companies specializing in collections understand these usage patterns and can structure coverage accordingly, offering different mileage limits or usage restrictions for individual vehicles within the same policy.

Storage and Security Benefits

Collection policies often reward proper storage and security measures with premium discounts. When multiple vehicles are stored in a secure facility equipped with climate control, fire suppression systems, and advanced security features, insurers typically offer better rates than individual policies. This approach recognizes that collectors invest in storage infrastructure that reduces risk across their entire collection.

Protecting Your Entire Collection

Multi-vehicle classic car collections require specialized insurance expertise to ensure proper protection and value. Don’t rely on standard auto policies. Contact McCluskey Insurance Services LLC in Cincinnati, OH, to explore collection-based coverage options that safeguard your automotive passion.

Auto Insurance for Teen Drivers and College StudentsP

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If you are an Ohio driver, state laws require you to have auto insurance. Selecting the right car insurance policy can be challenging for some drivers. If you live in the Cincinnati, OH, area, our team at McCluskey Insurance Services LLC is here to help clarify your insurance options. Since 1999, we’ve been assisting Ohio drivers like you in finding the coverage they need.

Auto Insurance for Teen Drivers and College Students

According to the Ohio Department of Insurance, you should contact your insurance agent as soon as a teen in your family obtains their driver’s permit. Adding a teen driver to your policy will result in higher auto insurance premiums. On average, premiums can increase by up to 50% for female teen drivers and even more for male teen drivers. However, teens who complete a safety course may qualify for discounts, which can help offset the cost.

When your child becomes a college student, there are additional options to consider regarding their auto insurance coverage. If the student’s car will be parked most of the time, you may be eligible for a reduced rate under a “stored vehicle” or “occasional use” policy. Additionally, you should discuss with your insurance agent whether your college student should remain on your policy or obtain their own auto insurance policy.

Contact Us Today for Assistance

Driving without auto insurance can lead to significant legal and financial penalties. At McCluskey Insurance Services LLC, we are dedicated to helping Ohio drivers find affordable and reliable coverage. Drivers in Cincinnati, OH, will benefit from working with our experienced and responsive team of agents. Call us today to schedule an appointment and let us help you find the right auto insurance policy for your needs.

What Valuables are Covered under a Home Insurance Policy?

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Home insurance doesn’t just protect your home’s structure; it also covers particular personal possessions. You can choose between a cash value policy, which compensates for the actual value of lost or damaged items, or a replacement cost policy, which covers the cost of buying a new item to replace the one you lost. However, homeowners in Cincinnati, OH, should be aware that certain types of valuables are not typically covered under a standard home insurance policy.

Uncovered Valuables and What to Do About Them

Standard home insurance policies are not designed to cover high-value items such as collectibles, antiques, jewelry, precious metals, furs, fine china, or medical devices. If you own items in these categories, it’s a good idea to have them appraised to determine their value. A personal property endorsement can cover individual items, but for larger collections, you may want to consider purchasing collectibles insurance. Additionally, if these items are business assets rather than personal belongings, ensure your policy is a commercial one.

Keep in mind that the value of many collectibles can fluctuate over time. It’s recommended to have your items appraised every few years and adjust your insurance coverage accordingly.

Call McCluskey Insurance Services LLC for More Information

Do you own expensive or specialized items that aren’t covered under a standard home insurance policy? If so, our team at McCluskey Insurance Services LLC can help you identify and purchase insurance that provides the extra coverage you need. We serve homeowners and business owners in and around Cincinnati, OH, and work with multiple carriers to help you find great deals at competitive prices. Contact us today for more information or to request a price quote.

How Umbrella Insurance Protects You Financially

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Owning a home and a vehicle means you likely have both auto insurance and home insurance. While these policies provide essential coverage, they may not be enough to fully protect you financially. To enhance your protection, you can add an umbrella insurance policy. This type of insurance works alongside your existing policies to provide additional coverage, especially in the event of costly accidents. Accidents happen unexpectedly, and being prepared is crucial. If you’re considering an umbrella policy, contact us at McCluskey Insurance Services LLC in Cincinnati, OH.

Why Umbrella Insurance Matters

Expensive Accidents

Accidents today are more expensive than ever, whether they involve your vehicle or occur at your home. These incidents can result in injuries and substantial financial costs. While home and auto insurance policies include liability coverage, the limits of these policies may not be sufficient for high-cost accidents. If the expenses exceed your policy limits, you could be left responsible for paying the remaining balance.

Paying for Overages

Umbrella insurance provides additional liability coverage that kicks in after your primary policy has reached its limit. This means that any overages will be covered by the umbrella policy, protecting your finances from unexpected costs. Accidents can result in bills totaling thousands of dollars, and having umbrella insurance ensures you’re prepared for even the most expensive scenarios.

Get Umbrella Insurance in Cincinnati

If you don’t have the liability coverage needed to handle costly accidents, it’s time to consider umbrella insurance. To learn more about how this policy can safeguard your finances, contact us at McCluskey Insurance Services LLC in Cincinnati, OH.

How commercial insurance benefits a home-based business

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Over the past five years, it’s estimated that nearly 70% of new startup businesses are home-based. The focus has shifted, and the primary reason for starting a new business is no longer to create a family legacy, but to enjoy the freedom and flexibility that come with being your own boss. The money saved on renting or buying a building can be invested in promoting and marketing the business. At McCluskey Insurance Services LLC in Cincinnati, OH, we aim to help business owners thrive through the judicious use of commercial insurance.

Does Home Insurance Protect Your Home Business?

The answer is both yes and no. Many home insurance policies have a limit on the amount they will pay for damage to a home-based business. Depending on the type of business you have, this could be significantly less than the actual value of your office equipment, inventory, documents, and machinery. Commercial property insurance covers both structure and property. If your business has physical structures and materials, commercial insurance will cover them all.

The most significant risk to your home business from your home insurance is liability. Your home insurance will not protect you from injuries incurred by someone visiting you for business. It will not protect you from someone suing you over a product or service that you provided to them. This can put your assets at serious risk. Getting sued can not only deplete your assets, but it could also cause your business to fail.

If you have employees, you are required to provide workers’ compensation insurance, a commercial insurance product that is not typically covered by home insurance.

Reach Out to Us

Contact McCluskey Insurance Services LLC in Cincinnati, OH, to benefit from our years of experience as independent insurance agents. Give us a call or reach out through our website.

Is Classic Car Insurance More Expensive than Regular Car Insurance?

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When people contemplate classic cars, they often consider various aspects of these four-wheeled nostalgic treasures. From their unique body styles to the era in which they reached their heyday, classic cars can evoke a myriad of emotions and thoughts. However, what most people don’t consider is the protection of these cherished vintage vehicles. Unless, of course, you happen to be an owner of a classic car. Safeguarding these remarkable cars is one of the primary reasons why many classic car owners in and around the greater Cincinnati, OH area rely on the professional and experienced team at McCluskey Insurance Services LLC for all their classic car insurance needs.

Is Classic Car Insurance More Expensive than Regular Car Insurance?

While opting for classic car insurance is a no-brainer for most classic car owners, many are surprised to discover just how affordable classic car insurance can be for their prized vehicle. The truth is that classic car insurance is generally comparable, if not more affordable, than many standard car insurance policies. Since many classic car owners store their vehicles in a garage or similar housing, and typically don’t drive them as frequently, it often results in lower rates, and more good news for classic car owners.

Classic Car Insurance for Cincinnati, OH Area Classic Car Owners

If you’re a classic car owner residing in the Cincinnati, OH area and have questions, or if you’d like to learn more about classic car insurance for your beautiful historic ride, we can assist. Contact us to learn more and schedule an appointment with our helpful and friendly team at McCluskey Insurance Services, LLC, for the classic car insurance you and your classic car need and deserve today.

Does Your Auto Insurance Cover a Trailer and Anything You Are Towing On That Trailer?

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If you’ve ever hauled a trailer behind your vehicle, you may have wondered whether your auto insurance fully covers you. Whether you’re towing a small utility trailer, a boat, or even a camper, it’s important to know what protection you have in case of an accident or damage. At McCluskey Insurance Services LLC in Cincinnati, OH, we help drivers understand their policies so they’re never caught off guard.

Is Your Trailer Covered Under Your Auto Insurance?

In many cases, a trailer may have some coverage under your existing auto insurance policy, but the extent of that coverage depends on the specific terms of your policy. Liability coverage from your vehicle’s insurance often extends to a trailer you’re towing, which means if the trailer causes damage to another vehicle or property, your policy may help cover the costs. However, that doesn’t necessarily mean the trailer itself is protected.

If you want full protection for your trailer, including collision and comprehensive coverage, you may need to purchase a separate policy or add an endorsement to your existing one. This ensures that you won’t be left covering the repair costs if your trailer is damaged in an accident, stolen, or harmed by weather-related incidents.

What About the Items You’re Towing?

Even if your trailer is covered, the items you’re towing—such as a boat, ATV, or equipment—may not be included under your standard auto policy. These often require their own insurance policies for full protection.

Before you hitch up and hit the road, ensure you have the right coverage. McCluskey Insurance Services LLC in Cincinnati, OH, can help you find the best policy to protect your trailer and everything on it. Contact us today.

When Does Umbrella Insurance Go Into Effect?

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Being underinsured can be as daunting as being uninsured. Unfortunately, many people learn the hard and costly way that inadequate coverage can lead to expensive mistakes or oversights. That’s why so many people in the greater Cincinnati, OH area rely on McCluskey Insurance Services LLC’s professional and experienced team for all their umbrella insurance needs.

When Does Umbrella Insurance Kick In?

If you’re involved in an accident and another driver files a claim against you, your auto insurance policy will cover you up to a certain limit. If you don’t have adequate coverage or are underinsured (for example, if you only have state minimum coverage), those liability claims and costs may easily exceed your policy limits. This is one example of how and why people choose to cover their potential liabilities with umbrella insurance solutions.

Umbrella insurance comes into effect when a liability claim exceeds the limits of your policy. If you’re unsure about your coverage and protection, umbrella insurance offers the certainty you want – and may need. That’s why it’s a good idea to work with reputable and professional agents who can help ensure your protection with the right umbrella insurance solutions.

Umbrella Insurance for Cincinnati, OH Area Residents

If you live in Cincinnati, OH, or the surrounding area and have questions or would like to learn more about umbrella insurance solutions, we can help. Contact us to find out more and schedule an appointment with our friendly and helpful team at McCluskey Insurance Services LLC for the protection that only umbrella insurance can provide.

Do You Need Separate Insurance for Vacation Homes?

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As more people invest in vacation homes in and around Cincinnati, OH, properly protecting these properties has become a top priority. Standard home insurance policies cover primary residences, but vacation homes require different coverage due to their unique risks.

Many property owners wonder if their vacation homes need separate insurance or if they can be added to an existing policy. Take a closer look at your home insurance policy to determine if additional coverage is necessary.

What Does Standard Home Insurance Cover?

A standard home insurance policy typically covers the property damage, liability, and personal belongings of primary residences. This includes protection against theft, fire, and vandalism, as well as liability for injuries on the property.

However, when it comes to vacation homes, standard policies may have certain limitations that leave gaps in coverage. Some coverage may extend to vacation homes, but this coverage is often not sufficient for long-term properties, making a separate insurance policy a better option.

Why Separate Insurance May Be Necessary

Separate insurance for vacation homes typically includes specialized coverage tailored to the unique needs of these properties. In many cases, separate insurance provides extra liability coverage for injuries or accidents that occur on the premises.

This type of insurance can also help address gaps in standard coverage, ensuring that your vacation home is fully protected while providing peace of mind that your investment is safe.

Reach Out to McCluskey Insurance Services LLC

While standard home insurance may offer some coverage for vacation homes, it often fails to address the unique risks associated with these properties. At McCluskey Insurance Services LLC in Cincinnati, OH, we offer comprehensive home insurance policies with additional coverage options to protect vacation homes against a range of perils. Contact our office today.

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