How My Commercial Insurance Policy Covers My Fleet

Owning a business is an amazing process that takes a lot of time and money. As your business grows you will begin to see a profit of which you can use to sustain your living conditions. But like everything else, there is a chance that a situation can come up that can destroy your business and disrupt your way of life. It is important for you to protect your commercial fleet with a good commercial auto insurance policy in Jefferson City, MO.

Important Points of Your Commercial Auto Insurance Policy

A good commercial auto insurance policy protects your fleet from all sorts of perils. It is essential that you understand how that policy works for you. Here are some things that you should know when developing your policy.

  • The named insured on the policy will have the widest coverage options. The insurance company uses symbols to identify what kind of coverage your fleet will have. Your policy will spell out what kind of coverage you have. 
  • You can design your policy to cover employee drivers. They would be listed on the policy as permissive drivers. The employee would be covered from all liability issues and physical damage that would happen to the vehicle. But they have to be listed on the policy.
  • You can also opt to have an employee’s own vehicle covered on the policy if they are required to use it for business. It is important to understand that only the employee is covered in the event of a claim.

There are a lot of small details that are involved in a commercial auto policy. If you are looking to cover your fleet with a commercial auto policy, then please call us at Luebbering Insurance Agency LLC today. We can answer all of your questions and get you the policy you need for your company.

Protect Your Bike with a Comprehensive Policy

Bikers in Jefferson City, MO can rely on the team at Luebbering Insurance Agency LLC for all of their motorcycle insurance needs. In fact, many local motorcycle enthusiasts have relied on us when it comes to upgrading their basic motorcycle insurance policy. Whether you are a longtime bike owner or are just now looking to buy your first bike, we can help! With all of the motorcycle insurance policies that are available in Missouri, it can get confusing trying to determine which one is right for your needs.

It’s Time to Upgrade Your Bike Insurance to a Comprehensive Policy

Missouri state requirements for motorcycle insurance can be pretty basic. With a basic policy, you will get protection in the event that you are in an accident that damages, your bike, your passenger, or someone else’s property. The coverage levels are often insufficient to cover any major damage, and som bike owners are shocked to find out that they are solely responsible for damage once their insurance runs out.

If you are looking for protection from theft or other damage to your bike, and want to make sure that you have good coverage in the event of an accident, it’s time to look at comprehensive motorcycle insurance. Basic insurance is just as its name suggests, basic. If you have been holding a policy that doesn’t give you the robust coverage that you may someday need, it’s time to think about an upgrade. 

Are you a motorcycle owner in the greater Jefferson City, MO area who is in need of comprehensive motorcycle insurance? Call or stop by the Luebbering Insurance Agency LLC today and find out how we can help! Let’s make sure you have the right coverage before you hit the road this summer!

How to choose a life insurance policy

If you live in the Jefferson City, MO area, there are many different forms of insurance that you will need to have. One of the most important forms of insurance that anyone will need to have is life insurance. When you are looking for life insurance, there are several tips to consider that can help you to choose a great policy. 

Choose Between Term and Whole Life

One factor to consider when shopping for life insurance is to determine whether you should get term or whole life insurance. With a term life insurance policy, you will often get far more coverage for a shorter period of time. However, you will only be covered for the term of the policy. When you get a whole life policy, you will have life insurance for the rest of your life. While premiums are higher, you will also build up a cash value that can be liquidated. This could make it a good investment as well. 

Know Coverage Needs 

You also need to carefully consider your coverage needs. The amount of coverage that you need will be based on the future expected costs of your dependents, including housing and education. You should also then factor in how much you already have in savings to figure out what the additional need is. 

Picking a life insurance policy in the Jefferson City, MO area is a big decision. When you are shopping for life insurance, you need to reach out to the team at Luebbering Insurance Agency LLC. Due to the complexities that come with buying life insurance, you will want to have Luebbering Insurance Agency LLC at your side. These insurance professionals can help you to figure out your needs, examine your options, and ultimately get you into a great policy. 

Do You Need Uninsured Motorist Coverage in Jefferson City, MO?

If you are a safe driver, you probably obey the speed limits and street signs and use your turn signal appropriately. As the law requires, you probably carry auto insurance. However, not every driver is so conscientious. Agents at Luebbering Insurance Agency LLC in Jefferson City, MO can help you ensure that you have adequate uninsured motorist insurance to cover damage caused by an uninsured driver.

What is Uninsured Motorist Coverage?

If you don’t want to end up paying for damages caused by an irresponsible driver, look into uninsured motorist coverage. It covers damage to your vehicle if it’s hit by someone with no insurance. Without it, you have to pay for the damages out of pocket.

Be Prepared for Anything on the Road

Uninsured/underinsured motorist coverage protects you in two ways. It gives you confidence that your medical expenses are covered if the at-fault drivers don’t have insurance. Sometimes, an insured driver has a low liability limit that isn’t high enough to pay for the damages to your car plus any medical expenses.  With Uninsured/Underinsured, you are reimbursed for expenses.

Uninsured/underinsured motorist coverage is a separate option that you can add to your regular auto policy. For a review of your current coverage or to make sure you include it on a new policy, ask your insurance agent how to do so.

Luebbering Insurance Agency LLC proudly serves clients in Jefferson City, MO. If you have any questions on uninsured/underinsured motorist coverage, give us a call today. You can also make an appointment to get a free quote at our office. Let us help you feel confident that you’re covered if an uninsured driver crashes into your vehicle.

Motorcycle Insurance Options for Winter

Missouri winters can be brutal for motorcycle riders. For your own protection, it’s best to store your bike in a safe location until the weather changes in spring. With a seasonal motorcycle insurance policy from Luebbering Insurance Agency LLC in Jefferson City, MO, you can tailor your coverage to meet your riding needs. Seasonal motorcycle insurance can save you money on insurance costs while your bike’s in storage while still providing valuable protection you need. Here’s how seasonal insurance policy works to protect your valuable investment. 

What Seasonal Coverage Offers

Seasonal motorcycle insurance offers maximum protection during spring, summer and fall when weather conditions are safe for riding. This includes liability coverage, collision, comprehensive, roadside assist, uninsured/underinsured motorist coverage, medical payments and more, depending on the policy you choose.

Much of this coverage, however, isn’t needed during winter while your bike is in storage. A seasonal insurance policy lets you cut back on unnecessary coverage during winter to save on premium costs while still retaining the coverage you need to protect your vehicle while in storage. We recommend that you retain comprehensive insurance to protect your bike against theft, vandalism, fire and natural disasters while in storage. This can save you thousands of dollars to repair or replace your bike in the event it’s stolen or destroyed by an unforeseen disaster.   

Who Can Benefit from Seasonal Coverage

If you limit the use of your motorcycle to spring, summer and fall and don’t want to waste money on unnecessary coverage during winter, you could be a prime candidate for seasonal motorcycle insurance.  Seasonal insurance tailors your coverage to suit your lifestyle so you get the protection you need at a price you can afford.

To learn more about seasonal motorcycle coverage and the protection it has to offer, contact Luebbering Insurance Agency LLC in Jefferson City, MO.

Why Do I Need Boat Insurance?

Boat owners may breathe a sigh of relief because most states don’t require boat insurance. However, boat owners should rethink this thought. Boat insurance provides many benefits. Although it’s not required, boat insurance provides many benefits and protections. Luebbering Insurance Agency LLC of Jefferson City, MO is dedicated to educating boat owners on the many benefits of boat insurance.

Why Should You Invest In Boat Insurance?

If you have any plans of using public or private marinas you will probably be required to carry boat insurance. Accidents happen. Most of us can’t afford to replace or repair someone else’s boat, let alone our own. This is one of the many reasons why most marinas require that boat owners carry insurance before they have the use of a marina. 

Additional Benefits…

As stated above, most of us couldn’t afford to replace our boats out of pocket or cover damage to our boats if we needed to. This is another area where boat insurance becomes extremely beneficial. Boat insurance can help repair or even replace your boat in the event of some unfortunate accident or mishap. 

A Question Of Liability

If someone is injured or incurs damage to their property while they are on your boat, you could be held responsible. Similar to auto or even homeowner insurance, boat insurance can cover lawyer fees if you are sued as a result of someone else’s suffering or injuries while on your boat. It can also cover medical expenses and replace other people’s damaged property. This is another reason why boat insurance is an investment that’s well worth it.

Although the only state that requires boat owners to carry insurance in Utah and Arkansas, it’s a worthy investment if you want to use marinas and can’t afford to pay for injuries or mishaps that could befall guests aborad your boat. It’s also a good idea for anyone who can’t afford to repair or replace a boat using your own money. Boat insurance is a small investment compared to the money you’ll shell out if you don’t have insurance. Give us a call. Were here to help you. 

Three things you need to know about renters insurance

Renters insurance is an important thing to have for those who don’t own their own property but rent a home or apartment. There are several things you need to understand to pick out the best renters insurance for your needs.

The following are three things you need to know about renters insurance:

There are two different types: Replacement Value and Actual Cash Value. 

When it comes to renters insurance, consumers need to choose between replacement value and actual cash value.

A replacement value policy means that things like wear and tear and depreciation of value won’t diminish the amount you get back for claims. An actual cash value policy means that these two factors will decrease the amount you get for your claim.

You’ll pay more for a replacement value policy than you will for an actual cash value policy, but you’ll also get more back in the event that you need to file a claim. 

You may have to add on coverage options like flood and earthquake coverage. 

One of the most important things you need to do when shopping for a policy is figuring out exactly what that policy covers. You should pay special attention to certain unique natural disaster damage types you may need coverage for in your area, like flood or earthquake coverage. 

You can often bundle your renter’s insurance for a discount.

A lot of providers offering renters insurance are also offering other types of insurance like auto insurance or commercial insurance. By bundling numerous policies with the same provider, you may get a good discount. 

You can get more information on renter’s insurance policies by contacting us at Luebbering Insurance Agency LLC for more information. We offer renters insurance to those residing in the Jefferson City, MO area. 

Umbrella Insurance: 5 Things You Need to Know

When it comes to having the right insurance, you want to make sure you’re working with trusted agents and have the level of coverage you need. At Luebbering Insurance Agency LLC, we can make sure your Jefferson City, MO properties, vehicles, and more are covered. With umbrella insurance, you’ll have a higher level of protection than you’ll have with more typical policies. Is adding an umbrella policy right for you? Here’s what you need to know about these kinds of policies, so you can decide if you want to get one for your protection.

1. An umbrella policy covers all sorts of things, including homes, cars, businesses, and more.

2. Umbrella policies add additional coverage, on top of your current policies.

3. You still need a regular policy underneath the umbrella policy.

4. Not everyone needs umbrella coverage, but most people can use it.

5. An umbrella policy is a great way to get protection and peace of mind.

If you live or work in or around Jefferson City, MO, we want to help you get the policies and coverage you need and want. Whether you’re looking for umbrella insurance only, to supplement what you already have, or you want to get several policies with an umbrella on top of them, Luebbering Insurance Agency LLC can help you. Reach out to us today, and we’ll work with you to find the policy that’s going to be right for your needs.

When you have questions about umbrella policies, we’ll be happy to answer them, too. We understand that you’re not familiar with all the policies you can get, and we want to make sure you’re getting the information you need. Then you can make an informed decision, and have the right umbrella insurance to protect your interests.

Is Flood Insurance Active Immediately?

Purchasing flood insurance is optional, but if you live in an area where there is a high risk for flood damage, you will want to purchase your flood insurance policy as soon as possible. Flood insurance coverage has terms and conditions that are essential to understand so you can adequately protect your property.

Flood Insurance Effective Date

It is important to know that flood insurance doesn’t go into effect until 30 days after the date of purchase. There may be other terms and conditions about the effective date you should be aware of before you make a purchase. Always work with a professional insurance agent when buying flood insurance. They can advise you on what you need to know and help you get the coverage you need to prevent losses from a covered event.

Flood Insurance Conditions

Flood Insurance has many limitations but can give you the protection you need from flooding and storms. This is essential if you live in a hurricane-prone area or somewhere near water. It may also be necessary if you live in an area that floods easily as a result of heavy rainfall. Residents living near Jefferson City, MO can rely on Luebbering Insurance Agency LLC to provide them with the information and insurance products they need to protect their home and property from flood damages. Schedule a consultation with one of their agents to get more information on the available products that will give you a blanket of protection from flooding and other property threats.

Get flood insurance from a respected agency that has a reputation for excellent customer services. If you live around the Jefferson City, MO area, call or stop by Luebbering Insurance Agency LLC today to get the answers to your questions and start protecting the things that are important to you. 

Who is Responsible for Pipes in a Condo?

Condo insurance can help to protect you against unexpected events, such as a pipe bursting in your condo. However, one of the questions that we at Luebbering Insurance Agency LLC, serving the Jefferson City, MO, area, are frequently asked is who exactly is responsible for pipes in a condo. Ultimately, it comes down to where the pipe is located and where the damage in the pipe is. 

Interior Pipes

Pipes that are located in your condo, such as the pipes under your sinks or connected to your clothes washing machine, are your responsibility. These types of pipes are considered interior pipes. 

Common Pipes

Pipes that are utilized by multiple condo buildings such as sewer lines or water lines in the walls between two condos are considered common pipes. Common pipes are the responsibility of the condo building owner or the condo association. The only time a condo owner can be held responsible for common pipes is if they did something that damaged the pipe, such as a child flushing a toy down the toilet and causing a clog to the main sewer line. 

The location of the pipes in a condo determine who exactly is responsible for them. In some cases, you as a condo owner may be responsible for the pipes, and in other cases, the condo association may be responsible for the pipes. Having condo insurance can help to protect you against certain unexpected events with your pipes. If you are looking to learn more about condo insurance and what it covers or are looking to purchase a condo insurance policy in Jefferson City, MO, give Luebbering Insurance Agency LLC a call today.