The effects of multi-layered clouds in the atmospheres of Earth-like planets orbiting different types of stars are studied. The radiative effects of cloud particles are directly correlated with their wavelength-dependent optical properties. Therefore the incident stellar spectra may play an important role for the climatic effect of clouds. We discuss the influence of clouds with mean properties measured in the Earths atmosphere on the surface temperatures and Bond albedos of Earth-like planets orbiting different types of main sequence dwarf stars.