Increasing the liability protection on your condo policy: why it’s a good idea

If you live in the Jefferson City, MO area and have questions about condo insurance, Luebbering Insurance Agency LLC is here to help. We want to ensure that you have the protection you need! Don’t hesitate to contact us today to learn more about the condo policy options available in your area.

Why it’s a good idea to increase the liability protection included in your condo policy

Owning a condo can provide a nearly maintenance-free lifestyle that many people enjoy. If you are a condo owner and resident, you may wonder what type and level of insurance will best meet your needs. It can be challenging to know 100% if you have the coverage you need.

Increasing your liability protection is a good idea, especially for those who entertain a lot or have many visitors. If an accident occurs in your unit and a visitor is injured, you could be liable for damages. While this may not sound fair, it is the reality that we all have to deal with.

Increasing the amount of liability protection that you have can protect you from this type of exposure. Knowing that you have the financial protection you need can bring peace of mind and help you rest easy. Why not find out more about the available policy options?

We are here to help with all of your insurance policy needs

Luebbering Insurance Agency LLC is proud to provide residents in the greater Jefferson City, MO area with all their insurance needs. Whatever type of insurance you need assistance with, we can help! Our team is here for you. Give us a call or stop by today.

What Kind of Medical Exam Will I Need When Applying for Life Insurance?

If you’re thinking about applying for life insurance, you’ll likely be required to have a medical exam. But what exactly will the exam entail, and what are some of the things your doctor will be looking for? If you’re a resident of Jefferson City, MO, Luebbering Insurance Agency LLC is here to help you understand what to expect.

Honesty Is the Best for Your Policy

The most important thing is for you to be honest with your doctor. If you have health concerns that may impact your ability to get life insurance, your doctor will want to investigate.

For example, if you have diabetes, your doctor will want to know about the type of diabetes, how long you’ve had it, and what medications you’re taking. These are all things that can impact your premiums, and you could even be denied insurance if you don’t disclose all of this information.

The Exam

During a paramedical physical, your doctor will ask questions about your health. They’ll want to know about your current health, medical history, and medications or supplements. They’ll also want to examine you, looking for signs of disease or injury. This part of the exam typically lasts about 20 minutes.

Among the tests that will be performed, you can reasonably expect them to include: blood pressure, urine analysis, and a blood glucose test. Some older applicants may need an electrocardiogram and a cognitive/mobility exam.

You must also sign a release form authorizing your doctor to share your medical information with the insurance company.

After The Exam

It can take up to six weeks for your insurance company to process your application and decide.

Don’t wait too long to file your application. Let Luebbering Insurance Agency LLC of Jefferson City, MO help you get the insurance you need today.

How your Missouri business can benefit from a comprehensive commercial policy

The Luebbering Insurance Agency LLC team is knowledgeable and informed about the commercial insurance issues that affect the Jefferson City, MO business community. If your firm is considering upgrading its commercial insurance policy to one more comprehensive, give us a call.

Benefits of comprehensive commercial insurance for Missouri business owners

The main benefit of a comprehensive commercial policy is added protection. You will enjoy higher policy limits for important coverage like liability protection. There are also other types of protection that you can receive:

  • Key personnel protection – this protection comes into effect if a person who is key to your company’s success dies or is otherwise incapacitated. This can help any interruptions that may occur during a transition period.
  • Business interruption coverage – just as the name implies, this type of protection comes into play if a covered event disrupts your firm’s operations. It can be pivotal in helping your company rebound from a catastrophe.
  • Fleet insurance – a comprehensive policy that covers your commercial fleet is often a must for any company that relies on its vehicles to get the job done. If your vehicles aren’t on the road, your business can suffer irreparable harm.

These are just a few examples of the protection that comprehensive commercial policies can provide. Give us a call today to learn more.

Let our team help you with all of your commercial insurance needs

Luebbering Insurance Agency LLC is proud to serve the insurance needs of Jefferson City, MO area business owners. Call us today if you have questions about how comprehensive commercial insurance can benefit your Missouri company. We look forward to helping your business with all of its insurance needs.

Commercial Insurance Options for Online-based Businesses?

If you run a small online business, you might think you don’t need commercial insurance. After all, you don’t have a physical space to run your business, meaning no risk of fire, theft, or vandalism. However, the truth is that e-businesses face risks, just like brick-and-mortar businesses. And for this reason, you should consider commercial insurance to cushion your business. So, if you are in Jefferson City, MO, and the surrounding area, please reach out to Luebbering Insurance Agency LLC for a tailor-made business insurance policy.

Depending on the nature of your business, here are commercial insurance coverage options to consider:

  • General liability insurance: Whatever business you run, liabilities are never out of the picture. And since liability claims can be costly, you must invest in business liability insurance to cover your business when accused of property damage, bodily, and advertising injury. Plus, this coverage pays for attorney fees and settlement claims when sued.
  • Property insurance: Have a storage facility? Do you deal with inventories? You must invest in property insurance to protect your assets from perils like fire, theft, etc. Property insurance doesn’t prevent risks but reduces your financial burden when perils strike.
  • Cyber liability insurance: While news of corporates suffering cyberattacks usually gets a lot of coverage, the same risk is rife in small businesses. A simple click of an email may cause data breaches, leading to huge financial consequences.
  • Worker’s compensation insurance: How could we forget about worker’s comp insurance? This coverage protects one of your most valuable assets: your employees. Worker’s comp insurance covers the medical bills for your employees when sick or injured in the workplace.

Depending on the nature of your business, you may need more than the above options. So, please reach out to Luebbering Insurance Agency LLC for tailor-made advice.

4 Add-ons to Consider for Your Motorcycle Insurance

As a two-wheeler rider in Jefferson City, MO, there are different ways you can put your bike into use. You can use it to run errands or modify it for performance. Whatever the use you put your bike, you need a proper motorcycle insurance policy to protect yourself and the bike. While you are likely to invest in common motorcycle insurance coverages like comprehensive, collision, and liability coverage, you need to consider add-ons that suit your riding style. Luebbering Insurance Agency LLC advises on common “riders” or “add-ons” worth your pennies.

Umbrella insurance

Do you consider yourself at high risk of being sued? If yes, you need to think about umbrella insurance, especially if you are a high-net-worth individual. Yes, you may have motorcycle liability insurance, but when faced with significant liability claims, it’s likely to run out.  

Consider umbrella insurance since it takes over from where your motorcycle insurance leaves off.

Roadside assistance

Sometimes, your bike may break down while you are away from home. Without insurance, you may have to make frantic calls to get you to safety. However, if you have a road assistance endorsement, it offers services like towing, puncture repair, gas delivery, and other services listed in your policy.

Zero depreciation coverage

If your motorcycle is totaled, your insurance company knocks off the depreciation factor when compensating you. Given that you have deductibles to pay, there could be a lot of out-of-pocket expenses to pay. Zero depreciation coverage cushions you against depreciation.

Personal belongings coverage

If personal assets are lost or damaged on your bike, you may turn to this coverage for compensation. Without this, you will have to replace your expensive helmet and riding gear from your pocket.

Need to learn more about motorcycle insurance? Please get in touch with Luebbering Insurance Agency LLC. You can also pass by our Jefferson City, MO offices to chat with one of our agents.

5 Areas Covered by Life Insurance

Do you have beneficiaries? How would they cope financially when you die? Do you want your beneficiaries to be financially stable upon your death? While you can’t predict the future with certainty, there are several steps you can take to shape the outcome. For instance, if you purchase life insurance from Luebbering Insurance Agency LLC in Jefferson City, MO, you will protect your dependents and other interest when you die.

Still not certain about life insurance? Please consider the five areas covered by life insurance, and you will see that this coverage covers more areas than you think.

Protects your dependents

What may transpire if you die and not cushion your family financially? How will they meet their daily needs without their breadwinner? Luckily, life insurance from Luebbering Insurance Agency LLC may assist your beneficiaries in meeting their financial obligations, including paying for college fees, clearing debts, meeting daily expenses, and so on.

Life insurance can supplement one’s retirement benefits

If you buy a whole or universal policy, it accumulates cash value that you can borrow against to supplement your income. So, life insurance doesn’t only help when you die. It comes into life even when you are alive!

Cushions those in high-risk employment

If your occupation is in a dangerous or high-risk environment, you stand a high likelihood of encountering death compared to someone who sits entirely in an office. Occupations like aviation, mining, firefighting, and construction are high risk, and thus you need life insurance should death occur unexpectedly.  

Covers final expenses

Financing a funeral is a costly affair, even if you plan for a modest event. If you haven’t left adequate savings, it can be financially draining for your loved ones. But this won’t be the case if you have life insurance.

Covers debts

If you have a mortgage, car, or student loan, you don’t have to leave the burden to your family and cosigners when you die. Proceeds from your life insurance can cover the debt.

Are you scouting for salient life insurance in Jefferson City, MO? Please call or visit our Luebbering Insurance Agency agents and get life insurance that suits your budget, lifestyle and other unique needs.

Missouri Motorcycle Insurance: Top 3 Reasons Motorcycle Collisions Occur

When you have a motorcycle, you already know that there are risks on the road. This is what you have motorcycle insurance for.

Still, the liability insurance you get for your minimum requirements for Missouri Motorcycle Insurance may not be enough. At Luebbering Insurance Agency LLC, we know that motorcycle collisions happen all the time in Jefferson City, MO. 

Learn about the top three causes of motorcycle collisions here, and you’ll be closer to avoiding them.

Left-Turning Vehicles

Cars or other motor vehicles that are making left turns are a significant risk to motorcycle riders. They do not see bikers the way you do. You could be in danger of being hit by a left-turning vehicle. It is a common cause of bike collisions, more common even than speeding or drinking and driving.

When you are on your bike, watch for left-turning vehicles and think ahead when you are on the roads.

Lane Changers

Lane changing is the second most common cause of motorcycle accidents. That is because cars have blind spots, and too often the motorcycle is in the blind spot. Even when a driver checks the blind spot, a biker could get hit when a car changes lanes.

Keep a safe distance behind vehicles when you are on the roads. Try and see ahead to where the blind spots are, and ride to stay out of them.

Drinking and Driving

When a driver is impaired, the risk of accidents is increased. This kills a large number of motorcyclists on the roads every year. It could be the rider that is impaired, or it could be another driver. 

Monitor your own consumption before you go on the roads, and stay alert when you are riding.

Update Your Motorcycle Insurance Policy

Staying alert and being proactive are great ways to stay safe on the roads. You can update your motorcycle insurance policy at any time to add an additional layer of security. At Luebbering Insurance Agency LLC we want Jefferson City, MO motorcyclists to be prepared and protected for every risk. Call us for a quote today.

Why Do You Need Boat Insurance?

Boat insurance is an important type of coverage that every boat owner should have. If you have a bank loan to finance your boat, the lender likely requires you to have boat insurance to protect their investment. However, boat insurance is not required in Missouri, and some boaters have not gotten boat coverage for that reason. However, no boater should be without it. If you have a boat that isn’t covered, call us at Luebbering Insurance Agency LLC in Jefferson City, MO to find out more. 

One of Your Possessions

Just as you insure the things in your home and/or the home itself, boats are another one of your possessions to insure. They represent an investment of time and money, and they should be insured like your other vehicles. If you don’t have your boat insured, you run a number of risks. These can include boating accidents that cause injury and property damage. Your boat can crash into another boat or into another object. Weather conditions can change rapidly and cause an accident. Your boat could become grounded. Flooding could cause an accident. When you’re insured, those situations can be paid for by the policy instead of it coming from your own pocket. 

Boating in Missouri

Boat accidents occur regularly in Missouri, and there are even fatalities that occur. More than 150 boat crashes a year happen in the state. Sometimes this is due to intoxication while others happen because of serious water conditions. Passengers fall overboard, and there have been fatalities from this. Most of the boat accidents in the state happen between May and August with most falling on the weekends. If you like to take the boat out on the weekends, these are some of the risks you face. 

Get Your Boat Insurance

If you need boat insurance, call us at Luebbering Insurance Agency LLC in Jefferson City, MO. 

Do I Need Motorcycle Insurance in Missouri?

The feeling of cruising down the streets with a motorbike is out of this world, not to mention the cheap gas. However, motorbikes are high- risk mode of transport than motor vehicles. One small mistake and the fun would turn fatal in an instant. That’s why it’s important to have a safety net that covers you against the dangers you face while riding your bike. Motorcycle insurance is that safety net.

In an unfortunate event, you can rely on your motorcycle insurance to pay for the necessary expenses. That said, motorcycle insurance comes with lots of benefits, and that’s why you need one if you are in Missouri. Let’s explore the benefits as prepared by Luebbering Insurance Agency LLC.

You are compliant with the law

The law in Missouri state that one should show proof of insurance before registering your motorbike. Riding an uninsured motorcycle can result from licensing suspension, fines, and much more. Most people probably get the policy on the right side of the law, but there are other great benefits.

You get medical coverage

In an accident with some injuries, the medical coverage steps in and pays for medical expenses, making sure your pockets aren’t wrecked.

You get liability coverage

Man is to error, and everyone can make a mistake. Even the most experienced rider can cause an accident. If you cause an accident and result in property damage or bodily injuries, the insurance pays for the consequent expenses.

You get help in emergencies

Suppose you run out of gas or have a flat tire or an engine failure, your motorcycle insurance steps in such situations. You get to receive immediate help to get you back on the road ASAP. Even if the situation requires towing, you get the services. 

Motorcycle insurance in Jefferson City, MO

Many benefits come with purchasing motorcycle insurance. However, it would be best if you talked to your insurance agent to get the right coverage. Ready to purchase your motorcycle insurance in Jefferson City, MO, and its environs? Contact Luebbering Insurance Agency LLC for an affordable quote.

Is it Necessary to Have Renter’s Insurance in Missouri?

Renters Insurance Requirements in Missouri

Renters insurance offers protection for valuables and possessions when you are renting an apartment, house, condo, or any dwelling with a landlord. Landlords typically have insurance to cover their property against damage and other incidents, not your valuables. If you want to protect your possessions against theft or damage, you will need to get renters insurance.

While the state of Missouri does not require individuals to have renters insurance, it is still an option that is recommended. The agents at Luebbering Insurance Agency LLC of Jefferson City, MO will help you find the best renters insurance at great rates.

Getting Quality Renters Insurance

Renters insurance will protect your valuables like electronics and jewelry. It can include:

  • Liability – When you are liable for damages or injuries to others, liability kicks in. This insurance can help with legal costs for covered claims.
  • Medical Payments – Medical expenses and other costs will be paid to others when injurious accidents happen on your property.
  • Personal Property – Protection for possessions and personal property that can include disaster coverage such as fires or hail.
  • Extra Expenses – This can be useful when you are displaced from an uninhabitable dwelling due to a disaster. It will help with lodging and other expenses.

These are only a few options available for renters insurance. This insurance type is very customizable, so discussing your needs and options with an experienced agent will help you get the coverage you need.

Professional Insurance in Missouri

Contact us at Luebbering Insurance Agency LLC of Jefferson City, MO to discuss your renter’s insurance options. We offer a range of insurance products at competitive rates. Our licensed and experienced agents look forward to serving all of your insurance needs.