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Cincinnati, OH 45249

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

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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?

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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

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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

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

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. 

Flood

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?

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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

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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. 

Should You Include Home Insurance in Your Mortgage?

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There are a few things to know about home insurance if you purchase a home. Home insurance isn’t automatically included in your mortgage payment, but you have options that can help you save time and make the process of keeping up with your home insurance easier. So, should you include home insurance in your mortgage payment?

McCluskey Insurance Services LLC in Cincinnati, OH is here to guide you through the process of getting the best results. 

Including Home Insurance in Your Mortgage 

Your home insurance isn’t necessarily included in your mortgage, but rather you have mortgage insurance. If you want to get home insurance included, you’ll need to have it put into escrow along with property tax payments. This is a convenient and safe option for many homeowners, allowing them more reliability. However, this isn’t mandatory in most situations. If you prefer to pay your premiums separately, you will likely have the setup unless there are special terms and conditions. 

Finding the Right Insurance Options for Your Home

If you plan to purchase a home and want to explore insurance products, you’ll need an experienced insurance agent to walk you through selecting the best insurance products. They do this by assessing your current situation and considering levels of coverage and any additional needs related to the home and its occupants. 

Contact Us Today

Get the best home insurance by calling or stopping by McCluskey Insurance Services LLC in Cincinnati, OH today. One of our agents can give you the specialized service you need to create the best outcome. We look forward to helping you get reliable insurance coverage to protect your investments. 

Would my 1988 Ford Taurus be eligible for classic car insurance?

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Typically, a classic car is defined as a car that is at least twenty-five to thirty years old, though this number can vary. However, classic car insurance has other requirements beyond the age of a car. Our Cincinnati, OH team at McCluskey Insurance Services LLC is invested in educating car owners about car insurance, and the difference between classic car insurance and conventional car insurance. 

What makes a car eligible for classic car insurance?

Beyond age, the make, model, and condition of the car are often considerations when determining if a car is eligible for classic auto insurance. Classic car insurance is designed for cars in near-mint condition that are not driven as the main car. This is often the reason why classic car insurance is less expensive. These cars are insured to be driven considerably less than the main car would. They are secondary cars and not all cars are eligible for this type of insurance, despite the fact that a car may meet the age requirements.

The requirements may vary from one insurance company to the next, which means that one insurance company may deem your 1988 Ford Taurus eligible for classic car insurance, but another may not. Generally speaking, more expensive cars that may be considered limited edition, are more often the cars that are eligible for classic car insurance. 

Get Coverage For Your Classic Car Today

If you have questions about classic car insurance and are considering investing in it, we’d be happy to explore your options and determine if your car is eligible for this kind of insurance. Give us a call at McCluskey Insurance Services in Cincinnati, OH, we’re standing by.

Auto Insurance FAQs

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Making sure you have the right auto insurance isn’t always easy. Getting advice you can trust is as easy as talking to your independent insurance agent. You can count on McCluskey Insurance Services LLC in Cincinnati, OH for good advice. Our team is dedicated to making sure you get the best insurance at the best price, which is what you should expect from your friendly agent. 

Auto Insurance FAQs

When should you review your auto insurance?

You should review your auto policy yearly when you get your renewal. The first page of your new policy is your declaration page. This is a review of your coverage and it makes it easy to see all your coverage at a glance. Check your liability coverage to make sure it is adequate, and review the other coverage you have. Do you have collision and comprehensive coverage? Has your car gotten so old it doesn’t need it?  Look all the coverage over carefully. 

What auto insurance add-ons are worth considering?

If you have a new car, you might want to consider gap coverage, This will cover the difference between what you owe on your car loan and what the insurance company would pay for if your vehicle was a total loss. For newer vehicles, it can be very important coverage. If you don’t have AAA or you find it too expensive, roadside assistance coverage is very inexpensive and would provide the help you need. 

What does comprehensive insurance cover? 

Comprehensive is non-collision coverage. It covers a variety of things: weather-related damage, things falling from the sky like tree branches and hail, large animals running into your vehicle, vandalism, and theft. Glass coverage for your windshield is also included in your comprehensive coverage. 

Contact McCluskey Insurance Services LLC in Cincinnati, OH for all your auto insurance needs and any questions you may have.

Enjoy a Pool When You Have Umbrella Insurance

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If you’re like most people in Cincinnati, OH, you love spending time by the pool. Whether relaxing with a book or entertaining friends and family, a private swimming area is a perfect way to enjoy the warm weather. But did you know that your homeowner’s insurance policy may not provide enough coverage if someone is injured while swimming in your pool?

Does My Homeowner’s Policy Cover My Pool?

Most homeowner’s insurance policies in Cincinnati, OH will provide some coverage for injuries on your property. However, the coverage may not be enough to cover the costs of a severe injury. If this happens, you could be held responsible for the difference. That’s why it’s vital to have umbrella insurance.

Your McCluskey Insurance Services LLC agent can help you understand your current policy and determine how much coverage you need for your pool.

What is Umbrella Coverage?

Umbrella insurance is an additional layer of protection that can help cover the costs of a lawsuit or settlement if you’re liable for an accident. It can also provide coverage for injuries off of your property, such as at a party. The amount of coverage you need will depend on the value of your assets and the amount of coverage you already have.

How Much Umbrella Coverage Do I Need?

The amount of umbrella coverage you need will depend on your asset’s value and the coverage provided by your homeowner’s insurance policy. You should talk to your insurance agent to determine the right amount of coverage for you.

Umbrella insurance is a crucial way to protect yourself and your family. If you have a pool, ensure you’re adequately covered in an accident. Talk to your McCluskey Insurance Services LLC agent today to learn more.

What Happens If I Cancel My Home Insurance Policy Early?

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If you cancel your home insurance, you might be elligible for penalities and fines. Switching providers may be expensive due to fines, additional fees, and money owing. Consider the costs and benefits before canceling your insurance. If you do switch, contact your mortgage company. If you live in Cincinnati, OH, call McCluskey Insurance Services LLC.

Consequences of Canceling Homeowners Insurance 

The procedure of canceling your home insurance is quite simple. But bear in mind that insurance providers do not allow policy cancellations within 60 days after purchase. You must have had a policy for at least that period to be eligible for cancellation. 

Call your agent or company and write a letter informing them of your decision to cancel the coverage. Include your policy number, name, insured home address, and planned cancellation date in the letter. You can also request the provider to pay you for the shortfall if you paid your subscription in full. 

Send a physical letter to insurance office and keep the receipt duplicate. Many insurance companies impose a penalty if you cancel your coverage before it expires. The costs vary significantly between insurance companies, so check with yours to see what they are and how you may avoid them. 

You may also owe money to your insurance provider if you cancel. Most insurance companies provide home insurance financing for a set period. Your monthly payments will cover the cost if you retain your coverage for the whole policy period. You may pay the difference if you cancel halfway through.

Contact Us Today

Canceling your insurance plan and switching suppliers might save you money or give you better coverage. But you should weigh all costs and rewards carefully. These might include cancellation fees or any outstanding liabilities. If you switch insurance providers, ensure the old and new plans, overlap to keep your escrow account active. For help, contact McCluskey Insurance Services LLC in Cincinnati, OH.

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