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McCluskey Insurance Services, LLC

9162 Union Cemetery
Cincinnati, OH 45249

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Which type of home insurance do I need?

Few people know the complexity of home insurance in Cincinnati, OH. McCluskey Insurance Services LLC wants you to understand why you should meet with an insurance agent to choose your home insurance.

Eight different home insurance policy types exist. Most people ask for home insurance without knowing that and they may end up with a HO-3 policy when they need something else. The HO-3 gets called "standard homeowner’s" insurance, but there really is no such thing.

If you have filed many claims, you will need a HO-1 policy, but if you have a historic home or you own an architecturally significant home, you’ll need a HO-8 policy.

Perhaps you rent your home. No matter whether you rent an apartment or house, condo or flat, you need renters’ insurance – HO-4. However, if you own the condo or apartment, you need HO-6. The HO-4 only covers your personal belongings and liability, but HO-6 covers any property damage to your home, too.

There is home insurance for RVs. It comes in two versions – one if you travel in the RV, the other for living in the RV – called a full-timer policy.

You have options on how many perils you want to cover. You can choose a range from ten to 16 to all-perils insurance. A peril is any natural event that could damage your home, such as a tornado, hail, earthquake, lightning, etc. Only flood is not included. You need a separate policy for that.

Contact McCluskey Insurance Services LLC serving Cincinnati, OH for more information on home insurance. We can help you solve the complex puzzle of how to cover your home for property damage, personal belongings, and liability.

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