Skip to content
Click to Call
McCluskey Insurance Services, LLC

9162 Union Cemetery
Cincinnati, OH 45249

Get Directions

Insurance Blog

Does umbrella insurance replace my other policies?

Umbrella insurance from McCluskey Insurance Services LLC is a type of coverage that provides an additional layer of protection beyond what your other policies cover. It helps protect you and your assets here in the Cincinnati, OH area from potential financial losses due to lawsuits or other claims. 

Umbrella Insurance & Other Policies

While umbrella insurance does not replace the coverage provided by other policies, it is a great way to supplement them and give you a better sense of security. For example, if you have auto or homeowners insurance, umbrella insurance can help to cover costs that are not covered by those policies. This could include things like medical bills or legal fees in the event of an accident. 

Another benefit of umbrella insurance is that it can provide liability protection when traveling abroad. Since most standard homeowners and auto insurance policies do not cover liabilities outside of the United States, having umbrella insurance can help provide peace of mind when traveling internationally. 

In summary, umbrella insurance does not replace other policies but rather is meant to supplement existing coverage and provide more comprehensive protection from potential liability claims. By protecting your assets and providing extra peace of mind while traveling abroad, umbrella insurance can be a valuable addition to any individual’s portfolio of coverage.

Reach Out To Us

For more information, give us at McCluskey Insurance Services LLC a call today. We are proud to serve the Cincinnati, OH area and would be happy to help you find an umbrella insurance policy that suits both your needs and your budget. You will sleep better at night knowing that you and your family will be protected if something ever happens and you are sued above your policy.

Servicing States

  • Ohio
  • Kentucky
  • Indiana
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Iowa
  • Kansas
  • Maine
  • Maryland
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • North Carolina
  • North Dakota
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington DC
  • West Virginia
  • Wisconsin
  • Wyoming


Partner Carriers

  • AAA
  • AIG
  • Branch
  • Bristol West
  • Foremost
  • Gainsco
  • Grange
  • Grinnell Mutual
  • Hagerty
  • John Hancock
  • Liberty Mutual
  • Lincoln
  • National General
  • Openly
  • Pacific Life
  • Progressive
  • Protective
  • Prudential
  • Safeco
  • Transamerica
  • Travelers
  • Trexis
  • The General