{"id":96,"date":"2025-10-31T12:00:00","date_gmt":"2025-10-31T18:00:00","guid":{"rendered":"https:\/\/www.mymccluskeyinsurance.com\/blog\/?p=96"},"modified":"2025-10-22T08:25:20","modified_gmt":"2025-10-22T14:25:20","slug":"can-you-buy-umbrella-insurance-instead-of-homeowners-insurance","status":"publish","type":"post","link":"https:\/\/www.mymccluskeyinsurance.com\/blog\/can-you-buy-umbrella-insurance-instead-of-homeowners-insurance\/","title":{"rendered":"Can You Buy Umbrella Insurance Instead of Homeowners Insurance?"},"content":{"rendered":"

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.<\/p>\n

What Is Umbrella Insurance?<\/h2>\n

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.<\/p>\n

Advantages of Having an Umbrella Insurance Policy<\/h2>\n

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. <\/p>\n

Contact Us<\/h2>\n

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.<\/p>\n","protected":false},"excerpt":{"rendered":"

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 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[21,20,7,22,23],"class_list":["post-96","post","type-post","status-publish","format-standard","hentry","category-umbrella-insurance","tag-cincinnati","tag-insurance","tag-mccluskey-insurance-services-llc","tag-oh","tag-umbrella"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t