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McCluskey Insurance Services, LLC

9162 Union Cemetery
Cincinnati, OH 45249

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Insurance Blog

Does Your Auto Insurance Cover Car Rental?

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If you’re an Ohio driver, the state law says you must get auto insurance. If you’re in the Cincinnati, OH area, our team at McCluskey Insurance Services, LLC will work with you during each step of the insurance process. We’ve been helping Ohio drivers like you for years.

Does Your Auto Insurance Cover Car Rental?

If you rent a car or a van, you may wonder if your auto insurance policy will cover an accident to the rental car. According to Money Geek, if you have comprehensive and collision coverage, it may also extend to the rental car or van. If you don’t have those coverages, or if your coverage has a large deductible, it would be to your advantage to buy additional coverage for your rental car.

If your auto insurance includes comprehensive and collision coverages, the rental company may offer you CDW (collision damage waiver), which means they won’t bill you personally for damage to the car. Rental car insurance typically offers liability insurance, which will provide coverage if your rental car causes damage to someone’s property or if the accident results in bodily injury. According to the Ohio Department of Insurance, the rental car company will also offer Personal Effects insurance, to cover any damage to your personal belongings.

Call Us Today for Your Appointment

Nobody wants to have an auto accident, but, if you do, you’ll want to be sure you have auto insurance. Our team at McCluskey Insurance Services, LLC will make sure you get the best policy for your needs at an affordable price. Drivers in the Cincinnati, OH area are learning that our team provides insurance advice you can always trust. Call us for an appointment today and let us help you discover your best auto insurance options.

Can You Combine Auto Insurance With Motorcycle Insurance or RV Insurance?

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Have you ever thought about consolidated insurance for convenience? Grouping insurance coverages together makes sense for both customers and insurers. 

Some have questioned whether it is possible to group auto, motorcycle and RV insurance together in a bundle. McCluskey Insurance Services LLC is here to help everyone in the greater Cincinnati, OH get the best insurance, including discounts for bundling policies together.

Bundling Insurance Policies

Most people who own a motorcycle or RV also own an automobile. If you own two or more of these three modes of transportation, you owe it to yourself to consider all the insurance options.

Some insurers allow customers to group RV, auto and motorcycle insurance together in a convenient bundle. If you are unsure if your selected insurer allows for bundling, there’s no harm in reaching out for clarification.

The Logic in Bundling Insurance Policies

Grouping auto, RV and motorcycle insurance coverage together in a consolidated bundle increases efficiency for both parties. Insurance consolidation facilitates billing and customer service. Consolidation also makes for easier management. Moreover, grouped insurance streamlines claims for mutually beneficial efficiency.

There is also the potential for the aggregate cost of those insurances to be less when bundled. Compare the cost of bundled insurance with individual insurance and you’ll likely find there is a difference worth considering. Some insurers offer surprisingly lucrative discounts for such a multi-policy approach to insurance.

When in doubt, simplify your insurance. Opt for insurance plan consolidation and you’ll enjoy the benefits of extensive coverage conveniently provided through a single insurance agency.

Connect With McCluskey Insurance Services LLC for a Quote

Serving Cincinnati, OH, we provide extensive insurance options at fair rates. Reach out to us today.

Home Insurance: Additional Coverage Homeowners Need

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Homeowners aren’t legally required to obtain insurance, resulting in many homeowners getting the bare minimum. However, getting the basic minimum liability home insurance in Cincinnati, OH, can you leave financially liable for everything from lawsuits to damage from natural disasters. There are a few additional coverage options you should consider. 

Flood Insurance

Most policies exclude floods, but Cincinnati, OH, is prone to flooding. High rainfall can flood lower areas. Properties near the Ohio River are also more likely to experience flooding. Ask one of our agents at McCluskey Insurance Services LLC about flood coverage. 

Tornado Protection

Tornado Alley has expanded in recent years, now encompassing Ohio. Many areas have seen an increase in tornadoes, with some counties reporting record numbers of tornadoes in recent years. However, some policies still exclude tornadoes. 

Ask an agent about tornado protection. Remember to discuss coverage limits to ensure you can replace your belongings, repair your home, and pay for temporary lodging if your home is destroyed. A natural disaster doesn’t have to leave you on the streets. 

Additional Property Coverage

Sometimes, property coverage isn’t enough. For example, if you have an artwork collection, expensive jewelry, or recreational vehicles, you may need higher coverage limits. It’s important to make a list of your valuable assets and how much it would cost to replace them to ensure you have adequate property coverage. 

Here at McCluskey Insurance Services LLC, we understand the importance of having the right coverage. Our experienced agents will discuss all the available options so you can find a policy that suits your needs. Contact us to learn more. We’re currently serving the Cincinnati, OH, area. 

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.

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