Many individuals comprehend what their homeowner and auto insurance cover, but only a few are familiar with umbrella insurance. Umbrella insurance is an extension of basic insurance protection, providing additional coverage to safeguard you from financial risks in particular situations.

At Luebbering Insurance Agency LLC, servicing Jefferson City, MO, we offer a range of insurance policies from various providers, ensuring you find the policy that best suits your needs.

Understanding Umbrella Insurance

Umbrella insurance extends beyond the protection offered by other insurance policies, providing additional safeguards for property damage, personal liability, bodily injury, and more. Before acquiring umbrella insurance, you must have a base insurance policy (like a car, homeowner, or watercraft insurance). This base policy is used before the umbrella policy comes into action.

Do You Need Umbrella Insurance?

If you believe that your current insurance policies do not adequately protect you against financial risks, you might be an ideal candidate for umbrella insurance. Our dedicated agents at Luebbering Insurance Agency LLC can help you decide which policy and level of coverage are most suitable for your circumstances.

Getting Umbrella Insurance

To obtain umbrella insurance, it is crucial to discuss your needs with your insurance agent at Luebbering Insurance Agency LLC, servicing Jefferson City, MO. Our team of experts will assist you in finding an umbrella insurance policy that fits your needs and provides an appropriate level of protection. Don’t wait—call us today to learn more about getting umbrella insurance.

If you’re moving into a condo in or near Jefferson City, MO soon, you may have some questions. One question that many people have is whether they need to purchase condo insurance. This can be a confusing topic, as it’s not always clear whether condo insurance is for renters or owners. Here is an overview that can help determine whether you need condo insurance. 

Condo Insurance is Typically for Owners

If you own your condo, then the HOA (homeowners association) fees include insurance for the exterior of your condo. However, to be covered for the interior, you must purchase condo insurance. Condo insurance covers everything inside the condo, so by buying a good policy, you can rest assured you’ll have full coverage in case an unfortunate event occurs. 

Renters Insurance is More Appropriate for Renters

Whether you rent a house, apartment, or condo, renters insurance is more appropriate. Condo insurance doesn’t cover renters, which is why renters insurance is recommended. The condo owner might also have insurance on the unit, but if the owner ever files a claim against their condo insurance, it wouldn’t benefit you or your personal items. Renters insurance would, and even if the homeowner doesn’t require it, renters insurance is a wise investment. 

As you can see, condo insurance is usually a supplemental type of coverage that is useful if the interior of your condo is damaged or your personal belongings are destroyed. If you’re buying your condo in Jefferson City, MO, and need a new insurance agency, you might want to consider Luebbering Insurance Agency LLC. We at Luebbering Insurance Agency LLC have been in business for several years, providing customers like yourself with high-quality coverage. Give us a call today for a quote.

Luebbering Insurance Agency LLC is proud to serve the insurance needs of our friends and neighbors in the greater Jefferson City, MO area. If you’re wondering which type of life insurance is right for your needs, we’re here to help. Our team has the knowledge necessary to help you make your selection. Contact us today to learn more about the life insurance policies currently available in our area.

Three Tips for Choosing the Right Type of Life Insurance

Choosing the right type of life insurance is important, regardless of your unique situation. Whether you’re a parent of young children or nearing retirement and every stage in between, there are a few ways to tell which type of life insurance fits your needs.

1. Think about who will be relying on the death benefit. If you’re preparing to start a family, the more robust your life insurance policy, the better. A comprehensive policy, like whole life that includes the possibility of accumulating cash value can help with later expenses like college tuition. 
2. Consider how your end-of-life expenses will be covered. Many simply need a term policy that will cover their burial expenses.
3. Explore options that include a cash value. Whole life and universal policies often allow you to accumulate a cash value that can be accessed during life. 

Now’s the time to sit down with one of our agents.

Give us a call today to find out more!

If you live or work in Jefferson City, MO, or a nearby community, you can count on the Luebbering Insurance Agency LLC team for all your insurance needs. Give us a call or stop by today to learn more about our services. We look forward to seeing you soon!

Tax Benefits and Life Insurance

The topic of life insurance is a scary one. Few of us want to spend time thinking about our mortality. But, getting coverage from our agents at Luebbering Insurance Agency LLC in Jefferson City, MO can provide many advantages to the ones you leave behind. It also has many boons for you while you’re alive. For instance, a life insurance policy can provide tax benefits.

Having a life insurance policy can help you during tax season in Jefferson City, MO, in several ways:

• Your beneficiaries won’t pay income tax on your death benefit. This means they receive the full amount of money they’re entitled to. This is a significant advantage, especially if the death benefit is big.
• The cash value of your policy accumulates on a tax-deferred basis. So, if you have a permanent life insurance policy, you can build up cash value over time. The cash value is the amount of money you can access while alive, either by withdrawing or borrowing from the policy. The government doesn’t tax the growth in cash value as long as the money stays in the policy. This can help you save money on taxes and increase your wealth over time.
• You can access the cash value of the policy. If you withdraw or borrow from your policy’s cash value, you will not have to pay taxes on the money.

As you can see, life insurance has advantages beyond providing financial support to your loved ones after your death. It also has some tax benefits. Contact one of our Luebbering Insurance Agency professionals today to take full advantage of these. You can also check out our website for more information.

Jefferson City, MO has always been an excellent place to own and run a business. As a business owner in this region, you will enjoy a strong economy and population base. As you are looking to build and develop a business here, getting the right insurance is necessary for any business owner or manager. This is because a proper commercial insurance policy will protect your business in various ways. 

Reduce Commercial Liability Risks

A way that you can benefit from having a commercial insurance policy is that it will reduce any commercial liability risks. If you are going to run any business, you must be able to recognize your liability risks. As these will always exist, having a commercial insurance policy is a good option. With this insurance, you will receive support and financial protection if you are ever determined to be liable for an accident. 

Cover Commercial Assets

You can also benefit from a commercial insurance policy by receiving coverage for commercial assets. It is very common for businesses to invest in various assets for a business. As these are important and necessary to run your organization, insurance is critical to protect the assets. A customized commercial insurance policy will offer the support you need to cover such assets. 

It is a good idea for those in the Jefferson City, MO area always to have commercial insurance. When you are able to protect your business with a policy through Luebbering Insurance Agency LLC, you will know that you are in good hands. When you call our Luebbering Insurance Agency LLC team, you will get the support you need to assess all options and build a proper policy. 

For many bikers, riding their motorcycle is more than just a mode of transportation or an escape from the every day – it’s a lifestyle. Missouri bikers are hitting the open road as scorching summer temperatures cool, making way for falling leaves and crispy autumn breezes. 

With freedom comes responsibility, so choose tailored motorcycle insurance solutions to help protect your two-wheeled investments. 

Luebbering Insurance Agency LLC Understands – Every Rider’s Needs are Unique

We work hard to provide custom insurance solutions to meet your lifestyle needs by explaining the benefits of having motorcycle insurance coverage and the penalties for getting caught driving your bike without insurance. 

If you’re looking for custom motorcycle insurance options, we offer the following insurance coverages for bikers in the Show Me State. 

Liability Coverage for Motorcycles 

Motorcycle liability coverage protects bikers from bodily injury claims and property damage claims in the event of a collision with another driver. 

Comprehensive and Collision Coverage for Missouri Bikers

Serious bikers up the ante and get comprehensive collision coverage, which helps them mitigate the costs of motorcycle repair or replacement caused by a motorcycle accident. 

Driving with No Insurance Can Have Devastating Consequences in Missouri

There’s nothing worse than getting hit by a driver with no insurance. Uninsured and underinsured motorist motorcycle coverage helps safeguard Missouri bikers against motorists driving without adequate insurance. 

Missouri Bikers: Get a Free Motorcycle Insurance Quote

Luebbering Insurance Agency LLC is a trusted insurance agency in Jefferson City, MO offering personalized service and local expertise. Our experienced agents understand Missouri bikers’ unique challenges and help them mitigate financial risk by choosing motorcycle insurance policies that fit their lifestyle.

Contact us to protect your next ride with a free motorcycle insurance quote today!

If you own a boat or watercraft, it is crucial to protect your investment. Boat owners tend to postpone determining the necessary insurance coverage as it can be quite complex. We can discuss the most important aspects of boat insurance so you can decide what type of boat insurance policy you need. 

What Important Information About Boat Insurance Should You Know?

• There is limited coverage for boats on a homeowners policy. Some boat owners assume that their boats are covered under their homeowners’ insurance. It is, but the coverage is really limited. Moreover, damage should occur on your property unless you pull the boat. Regarding towing, homeowner insurance plans only offer coverage of up to $1,000 for trailers. Opting for that option usually seems reasonable since boat towing is generally included in a yacht insurance policy.
• Boat policies provide limited coverage for personal items. Even if the boat is insured separately, you can still get coverage by adding personal property coverage to your homeowners’ policy. However, it’s important to note that there may be deductibles involved in cases.
• You can save money on your boat insurance. There are many strategies to reduce the cost of your boat insurance. You can save money by enrolling in a boating course or safety education program. Suppose you have emergency safety equipment on board, such as a fire extinguisher, a ship-to-shore radio, or a wireless auto tether. In that case, you also may be able to reduce your premiums.

If you need help finding boat insurance based on your budget and insurance needs in Missouri, contact Luebbering Insurance Agency LLC. At Luebbering Insurance Agency LLC, we specialize in different types of insurance and work with clients from Jefferson City, MO, and other nearby towns. Thus, do not hesitate to contact us if you live in Jefferson City, MO. 

Renting a home can be a good idea for many Jefferson City, MO residents. For those in this region who want to rent a home, it is still vital that you get the right insurance. For those that are in this part of Missouri, there are many scenarios when it would be a smart idea to have a proper renter’s insurance plan when renting a home. 

Those Looking to Protect Themselves

A situation when someone needs to have a renters’ insurance plan is when they are looking to protect themselves. A full renters’ insurance plan offers various forms of coverage that can be pretty helpful. This coverage will protect your personal assets and liability coverage and provide other ancillary benefits. If you incur a loss or are liable for an accident, this can provide significant financial protection. 

Meet Lease Standards

It would be best if you also had a renters’ insurance plan to meet the standards set in your lease. Most property owners and lessors today will require you to carry this insurance as it offers financial protection, which ultimately provides them indirect benefits. Most of the time, the property owner will require that you show evidence of coverage before the start of your lease term. 

A proper renter’s insurance plan is very important for those in the Jefferson City, MO area. When looking for this coverage in the area, calling our team with Luebbering Insurance Agency LLC can be beneficial. When you contact us at Luebbering Insurance Agency LLC, you can receive the guidance needed to build an ideal policy to meet your needs. 

Umbrella insurance covers claims in excess of regular homeowners, auto, or boat insurance. It also covers certain claims that the primary policies may exclude. Umbrella insurance usually kicks in when the liability limits of these other policies have been reached. If you live in or near Jefferson City, MO, and need umbrella insurance, contact us at Luebbering Insurance Agency LLC today! In the meantime, learn more about Missouri’s umbrella insurance laws.  

It’s important to note that most states, including Missouri, do not directly regulate umbrella insurance. Instead, umbrella insurance policies are often regulated under broader insurance laws and regulations at the federal level, such as those that pertain to contractual obligations, fair practices, and the like. Insurance companies in Missouri are overseen by the Missouri Department of Insurance, which can implement and enforce regulations on all types of insurance.

The rules for who can buy umbrella insurance, how much it costs, what it covers, and when it kicks in can all depend on the insurance company’s own policies. There are, however, industry standards that most insurance companies tend to follow. Both legal regulations and market competition influence these standards.

Here are a few things that are typically true about umbrella insurance, though these can vary:

• It’s usually only available to people with a certain amount of liability insurance through their auto or homeowners insurance.
• It typically covers a wide range of liability situations, with some exceptions. For example, it might not cover damages that are intentional or caused by a business you own.
• It’s usually sold in increments of $1 million, and it’s designed to kick in after the liability limits of your other insurance policies have been exhausted.

And remember, if you need umbrella insurance in or near Jefferson City, MO, be sure to reach out to us at Luebbering Insurance Agency LLC today!