How Home Insurance Can Protect You (and Your Neighbors)

Home insurance might feel like an afterthought once you’ve been through the home buying process. ‘Exhausting’ doesn’t even begin to cover what it feels like to tour homes, get all of the money together, and sign all of the documents to finalize the purchase. To make matters worse, the escrow period is not always smooth sailing either. As a result, most people end up with far too little coverage than they need to survive simply because they don’t have the energy to really analyze their options. Luebbering Insurance Agency, LLC wants to make sure that you don’t end up in this camp. 

The Broken Window Theory 

If you live in Jefferson City, MO and you walk down a run-down street, what’s the first thing that comes to your mind? You may think no one is really looking after their property, or even that the wrong type of behavior is encouraged. Home insurance allows you to take care of minor and major repairs alike and it typically gives everyone the impression that the homeowners on the block are paying attention to what’s happening around them. While home insurance can’t cover you in the event of every accident or incident, it can provide coverage to help maintain your home for you and your family.

Finding Help 

If you need help, call Luebbering Insurance Agency, LLC. We’re here to serve the people of Jefferson City, MO by working with the community to provide policies that work for your needs. If you have questions or if you’re concerned about what a specific event might do to your home (e.g., theft, weather disaster, etc.), we’re here to make it easier for you and address your problems. Give us a call today to discuss your home insurance options and start a policy.

What does the Standard Homeowner’s Insurance Policy Cover?

Homeowner’s insurance gives financial protection if your home or contents incur damage. It also protects you and your family in case of injuries to others on your property. Most mortgage lenders require a homeowner’s insurance policy for you to purchase a home. There are four primary coverage types:


Liability insurance protects you against lawsuits when property damage or bodily injury caused by the residents of your home to others. Most coverages also extend to damage caused by pets. The insurance typically covers court costs and any awarded money determined by the court up to a specific limit.

Living Expenses

Additional living expenses pay the costs of living away from home if you have to temporarily move due to disaster damage. This includes hotel bills, meals and any other costs incurred above-and-beyond your normal living expenses. Some policies include time limits which can be increased with a premium.


Your personal belongings, such as furniture, sports equipment, electronics, and clothes are covered by insurance when stolen or destroyed by a natural disaster. The coverage can range from 50-to-70-percent of the structural coverage on your home, depending on the policy. It is always advisable to perform a home inventory to determine the amount of coverage you require.


If your home is destroyed by acts of Mother Nature that are listed on your policy, your homeowner’s insurance will pay the repair bills. When purchasing coverage from Luebbering Insurance Agency, LLC in Jefferson City, MO, it is important that you always purchase enough to rebuild your home. Many policies include damage to detached structures like a tool shed, garage or gazebo.

For more information on homeowner’s insurance in the Jefferson City, MO area, contact Luebbering Insurance Agency, LLC today! They can help you find a policy that fits your requirements and budget.