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Cincinnati, OH 45249

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The Pros and Cons of Telematic Auto Insurance Policies

Telematic auto insurance is a modern approach that blends technology and coverage. If you’re looking to obtain a new auto policy, you may be offered a telematic one. McCluskey Insurance Services LLC, providing auto insurance to residents in Cincinnati, OH, we want to help you understand the pros and cons of these policies, so you can decide if one is ideal for you.

Here are some of the advantages and disadvantages to help you make an informed choice:


  1. Personalized Premiums: Telematic policies use your driving habits to set premiums. Safe driving behaviors like obeying speed limits can lead to lower rates.

  2. Enhanced Safety: Telematics devices offer GPS tracking and emergency assistance, swiftly alerting emergency services in accidents.

  3. Driving Insights: Real-time data on your driving patterns helps you become a safer driver by highlighting areas for improvement.


  1. Privacy Concerns: Sharing data about your driving habits raises privacy concerns for some individuals.

  2. Higher Rates for Risky Driving: Poor driving habits can lead to higher premiums, erasing potential savings.

  3. Device Limitations: Telematics policies require device installation, and technical issues could affect rate accuracy.

Telematic auto insurance provides tailored premiums and safety benefits, but it comes with privacy worries and potential rate increases. These types of policies may be ideal for some but less than ideal for others. Here at McCluskey Insurance Services LLC, we are committed to helping residents in the greater Cincinnati, OH region find the auto insurance policies that best meet their needs. If you are in the market for a new policy, let us answer any questions you may have and help you hone in on the ideal policy. Call us today to get started.

Simple Steps to Finding and Purchasing the Perfect Starter Home

Finding and purchasing a starter home here in the Cincinnati, OH area can be an intimidating process, but it doesn’t have to be. With a few tips from us at McCluskey Insurance Services LLC, you can find the perfect starter home that fits your budget and needs. 

Purchasing the Perfect Starter Home

The first step in finding and purchasing your dream home is to determine what type of home you need. This includes deciding on features such as size, number of bedrooms, bathrooms, location, etc. Once you have identified your desired criteria for a starter home, it’s time to start shopping around! Research neighborhoods in areas you like and look at real estate listings online or in newspapers to get an idea of what’s available within your budget. 

Next, it’s important to make sure that the property meets all legal requirements before making an offer. Hire a professional inspector to assess the condition of the house before signing a sales agreement. The inspector will provide detailed information about any potential problems with the property that may need to be addressed before closing on the deal. 

Once all inspections are complete and you have found a suitable starter home that meets your criteria and budget, it’s time to make an offer. Before submitting an offer on the property, consult with a qualified real estate agent for advice on how much money you should put down as well as negotiating strategies for getting the best possible deal on your new home purchase. 

We Can Help!

For more tips or to explore an insurance policy to cover your new home, 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 a policy that meets your needs.

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.

Why freelancers need more than just liability insurance

Freelancers often operate as independent contractors and work on their own terms. While they enjoy the freedom and flexibility that come with being their own boss, they also need to take care of their own insurance needs.

Liability insurance is a common insurance policy that most freelancers opt for, but it’s important to note that they need more than just this alone. 

Freelancers need more than just liability insurance because there are many other risks that they face on a daily basis. For example, if you are a graphic designer and your computer crashes, you may lose important client data. In such a scenario, having equipment breakdown coverage can help you replace your damaged equipment and recover this crucial data.

Additionally, if you need to visit a client at their premises, you may need commercial auto insurance coverage to protect you from potential accidents while driving to and from client locations.  In addition to equipment breakdown coverage and commercial auto insurance, there are still other types of insurance that are seriously worth your consideration. 

Disability insurance, for instance, can provide financial support in the event that you are unable to work due to an illness or injury. Business interruption insurance can help cover lost income if you are unable to work due to a national crisis, such as a serious natural disaster or pandemic. 

As a freelancer, you need to make sure that you are adequately protected from all potential risks that you may face in your line of work. 

McCluskey Insurance Services LLC offers a range of insurance solutions to help freelancers in Cincinnati, OH protect themselves and their businesses. Working with an experienced insurance agent can help you understand the risks you face and find the right insurance coverage to meet your specific needs. 

We Are Here To Help

Freelancers need to consider more insurance options than just liability insurance if they want to protect themselves and their businesses. 

Equipment breakdown coverage, commercial auto insurance, disability insurance, and business interruption insurance are just a few examples of the options that freelancers should consider, as they could get them out of an unexpected bind that they encounter in the future.

McCluskey Insurance Services LLC in Cincinnati, OH offers a range of insurance solutions to help freelancers protect themselves from potential risks – both predictable and unpredictable. If you’re a freelancer looking for insurance coverage, give us a call today. In no time, you’ll be talking to an experienced insurance agent who will help you find the right policy options that will best protect you and your business. 

A Look at the Most Famous Classic Cars

Owning a classic car is a dream of many and a lifestyle for some. Classic cars are quite literally part of history, with each vehicle reflecting the technologies and design cues of its time. The most famous classic cars are also major investments and can be worth quite a bit. If you own a collectible car, it’s wise to make sure that it’s protected by classic car insurance. Contact McCluskey Insurance Services LLC, serving Cincinnati, OH to learn more.

Let’s look at some of the most famous classic cars:

Ford Model T

The Model T wasn’t the first automobile, but it was one of the first automobiles to target the masses. This immensely successful car is an important part of automotive history because, among other things, it ensured that cars became part of Main Street.

In the 1920s a Model T cost less than $300. Now many Model Ts retail for $15,000 or more. If you own such a classic vehicle, classic car insurance could protect your investment.

Ford Mustang

One of the most famous cars of all time, the Ford Mustang popularized the idea of a muscle car, namely an affordable car that offers great performance.

Chevrolet El Camino

Part pickup truck, part muscle car, the El Camino is a collector’s favorite owing to its relative scarcity (compared to peer vehicles) and unique design.

Chevrolet Corvette

The 1963 Chevrolet Corvette is one of the most sought-after classic cars. Other model years are popular as well, although the 1963 edition often enjoys the highest prices. These especially rare makes and models should be covered by classic car insurance.

Protect Your Classic Car Collection

Classic cars are worth a lot of money. While many collectors avoid driving their most prized collectors’ cars, it’s still crucial to ensure that every car is properly insured. Even if the cars are kept off the road, a storm or other event could damage a car collection.

Not sure if you need classic car insurance? Get in touch with McCluskey Insurance Services LLC, serving Cincinnati, OH and beyond.

What is the benefit of getting an auto insurance policy in Ohio?

Anyone that is in the Cincinnati, OH area will find it is easier to get around the community and city if you are a car owner. When you are looking to get a car here, you need to have insurance for it as well. There are a lot of benefits that come with this coverage. 

Meet Requirements Set by State and Lender

One of the benefits that will come with getting an auto insurance policy is that it can help ensure you meet requirements set by your lender and the state of Ohio. All drivers in Ohio are required to carry liability insurance whenever they drive a car. Further, if you have taken out a loan, you are likely required to obtain a full comprehensive plan. Getting a proper auto insurance policy will keep you in good standing with all requirements. 

Protect Asset and Yourself

It is also a good idea to get an auto insurance policy to protect yourself and your assets. If you are going to buy a car, you will want to know that your investment is supported. The best way this can be done is by getting an auto insurance policy as it will give you coverage to repair or replace the asset if you incur a loss. You will also obtain liability coverage that will offer support if you are at fault in an accident. 

Give Us A Call

If you are in the market for a new auto insurance policy in the Cincinnati, OH area, it would be helpful to call our team with McCluskey Insurance Services LLC. Our professionals with McCluskey Insurance Services LLC know the value of this coverage and can help give you the guidance you need to build a new plan that will protect you and your vehicle. 

Is umbrella insurance only for the wealthy?

Umbrella insurance is an important addition to your insurance portfolio. Many people don’t really know what umbrella insurance actually is and how it could benefit them. At McCluskey Insurance Services LLC, serving the Cincinnati, OH community, we are an independent insurance agency, and we represent the finest carriers in the business. 

Who Is Umbrella Insurance For?

One of the biggest misunderstandings about umbrella insurance is that it is only for the wealthy. While you can be pretty confident that the wealthy have umbrella insurance to protect their assets, it is not designed exclusively for them. It is designed to give an additional level of liability protection to protect your assets, no matter what those assets are. 

Why umbrella insurance?

Umbrella insurance adds that additional layer of liability protection to any policy that you have with liability protection. That includes insurance for renters, condos, homes, autos, motorcycles, boats, RVs, and more. You don’t need to have a lot of assets, but your assets are what you own and have saved. You need to protect those assets from being lost to a judgment against you. 

In addition to your assets, legal action can attach to your future earnings if you don’t have the means to pay the judgment. You could end up paying for years. Umbrella insurance protects your ability to earn as well as your assets. 

How umbrella insurance works?

If you need to pay for personal injury or property damage, your primary insurance policy will pay up to the limit of the policy, and then the umbrella insurance will take effect and pay up to its limit. Most umbrella insurance begins at about a million dollars but can be higher if you need that. 

Contact Us Today

Give the office of McCluskey Insurance Services LLC in Cincinnati, OH a call or stop by to get the umbrella insurance information you need.

Things that home insurance won’t cover

Home insurance covers lots of things, but unfortunately, it doesn’t cover everything. You need to know exactly what isn’t covered so that you will be able to get additional insurance if you need it.  At McCluskey Insurance Services LLC in Cincinnati, OH, we are independent insurance agents and can offer our customers choices. 

Home Insurance Exclusions

Wear and tear

Things that you use every day, like your refrigerator and hot water heater get old, they wear out and stop working. This is not something that is covered by your home insurance. You can buy insurance for appliances and other things in your home. 


Termites can destroy your home. This is an area that you are required to deal with before you end up with a serious problem. Treatments are available to stop or control a termite infestation. As the homeowner, it is your responsibility to make sure that termites don’t destroy your home with preventative intervention. 


Mold is not only a danger for your home, but it is also dangerous for you, and it usually isn’t covered. Check your policy. 

Earth movement

Earth movement refers to things like an earthquake, a sinkhole, mudslides, and landslides. If you have concerns, you can purchase a separate policy for this coverage. 


Floods cause a lot of damage, but your typical home insurance policy excludes them. You can get a separate flood insurance policy, and if you live in a flood plain, your lender will probably require that you do that.

Acts of War/Terrorism

War, including undeclared war, civil war, insurrection, rebellion, or revolution. While acts of terrorism are not specifically referred to, it is something that may be up for debate when it comes to filing a claim. 

More Questions? Give Us A Call

Contact McCluskey Insurance Services LLC, serving the greater Cincinnati, OH community, for all your home issuance needs. 


What Happens If You Do Not Agree With Fault After a Car Accident?

After a car accident has happened, the insurance companies will likely make a decision about the fault. Fault essentially means that the insurance company is deciding who caused the accident and how the accident happened. Here at McCluskey Insurance Services LLC, serving the greater Cincinnati, OH area, one of the questions that we are frequently asked is what happens if you do not agree with fault after a car accident.

Here are the options available to you if you do not agree with the fault:

Disputing the Information With the Insurance Company

If you do not agree with the findings of an insurance company, you can file a written appeal. In the appeal, you can state why you disagree with the insurance company about who was at fault for the accident. It is important to do this as quickly as possible after finding out the insurance company listed you as at fault for the accident. 

Providing Proof of Fault

Along with filing a written appeal, you will also have the opportunity to present new evidence that can be crucial to proving you were not at fault for the accident. This may include obtaining camera footage, submitting new photos of the accident scene, or obtaining witness statements that show you are not at fault after an accident has happened. 

Contact Us Today

Unfortunately, it can be challenging to change an insurance company’s mind if they deem you to be at fault for an accident and you do not agree with them. But it is not impossible. The insurance agents at McCluskey Insurance Services LLC, serving the greater Cincinnati, OH area, can help you with your auto insurance needs and your auto insurance claims. Reach out to us today to discuss your auto insurance needs with us. 

Reasons to Consider Business Umbrella Insurance

Umbrella insurance is a type of coverage that is designed to work with the other policies that you maintain. The limits on this category of indemnification tend to be higher than what is offered on standard insurance. If you make a claim and the provisions on your primary policy are exhausted, your umbrella insurance is designed to pick up expenses at that point. 

Why Business Umbrella Insurance?

Business owners often choose to purchase umbrella insurance when their companies house inventory that exceeds the maximum levels of their commercial property insurance. It’s also generally recommended that entrepreneurs examine risks inherent to their industry to determine the type and amount of indemnification they need to buy. 

Companies that are exposed to greater risk due to operating expensive equipment or fleets of vehicles often opt for this protection as well. Your McCluskey Insurance Services LLC agent can give you more information and answer any questions you may have.

Umbrella insurance is completely voluntary and is not a requirement for those who live in Cincinnati, OH. It is an option that homeowners choose when their property has design features or rare possessions, such as antiques, that are difficult or costly to replace. Umbrella insurance for renters is similar in that it can insure your valuables to a higher degree. 

Landlords also benefit from this coverage, particularly if they own more than a rental. Boaters with pricey watercraft may need a higher cap when it comes to safeguarding their investment, as boating accessories can add significant value to their vessel. 

Contact Us Today

McCluskey Insurance Services LLC aims to support our Cincinnati, OH clients’ insurance needs, as we endeavor to safeguard them from financial loss. Stop by our office to discuss your situation in further detail, or we can be reached by phone or online. 

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