The Jefferson City, MO area is a great place for anyone to move to. When you are here, you are going to have plenty of professional opportunities while also having access to a lot of local amenities. If you would like to move here, renting your home could be a good option as it provides plenty of benefits when compared to buying and owning a home. If you do rent your home, you should get a renters insurance policy as it could protect you in a variety of different ways. 

Insurance Will Offer Liability Protection

One of the advantages of getting renters insurance is that it will offer you liability protection. If you rent a property, there is a chance that you could be found liable if you cause property damage or have a guest over that gets hurt. Since these damages could be significant, you should make sure that you mitigate the risk as much as you can. One way that you can do this is by getting a renters insurance policy as it will include liability protection.

Protection for Personal Property

Another reason that you should get renters insurance here is that it will give you protection for your personal assets. When you move into a new home that you rent, you will likely bring a lot of personal items along with you. You should aim to protect these items as much as you can. With renters insurance, you will get protection for the items kept in your new home.

As you are looking for renters insurance in Jefferson City, MO, you should call Luebbering Insurance Agency LLC. If you call Luebbering Insurance Agency LLC you can learn a lot more about your options. This will help to ensure that you are properly protected at all times. 

Running a small business in Jefferson City, MO, will certainly keep you on your toes. There are constant challenges and always more work that needs to be done, but it can also be rewarding. If you love your business, you want to protect it, and one of the best tools available from Luebbering Insurance Agency LLC is umbrella insurance. Let’s explore those policies and see if they can help you protect your business so that you can enjoy the rewards.

What Is Umbrella Insurance?

Ultimately, this is a question that you want to be able to answer on your own. Umbrella insurance is a specific policy that is designed to cover liability gaps that exist in other policies. As an example, any storefront should have commercial property insurance. That will protect you from liability if someone has an accident on the premises. Even with that insurance, there might be coverage gaps in the liability portions of that policy. An umbrella policy exists specifically to cover liability that isn’t under the purview of your other policies.

How Much Does a Small Business Need?

Umbrella insurance is usually based on liability risk. A business with more assets needs more coverage. Likewise, a business with a greater risk of incurring liability suits needs more coverage. A minimum umbrella plan for a small business is surprisingly affordable and easy to obtain.

If you want to explore umbrella insurance and carefully calculate how much optimizes your liability risk, your best bet is to have a conversation with your Luebbering Insurance Agency LLC representative. They can help you comb through the details to make sure your plan is right and your Jefferson City business is fully protected.

Floods are the most common natural disasters in the United States. Annually, they destroy thousands of houses throughout the country. If you do not have flood insurance, the damage can be quite costly because in most cases it will not be covered by standard home insurance. Therefore, it is worth considering having it, regardless of your location. However, before getting a policy, it is important to know what flood insurance does and does not cover: 

Flood Insurance Covers:

• Your home itself and its foundation
• Plumbing and electrical systems
• Carpets including wall-to-wall carpeting
• AC units, AC equipment, and water heaters
• Certain appliances, including dishwashers, stoves, and refrigerators
• Detached garages
• Washers and dryers
• Window curtains and blinds
• Permanently installed panels. cabinets, and bookcases
• Debris removal
• Personal belongings

What Is Not Covered By Flood Insurance:

• Damages caused by mildew or mold that could have been prevented by a homeowner
• Precious currency, metal, and other valuable papers, including stock and mortgage certificates
• Swimming pools and hot tubs
• Vehicles, including your cars and motorcycles
• Trees and bushes located on the property
• Fences, walkways, patios and other structures and elements of a landscaping
• Living expenses, such as hotel costs while your home is being rebuilt or repaired
• Any financial loss that you have as a result of flooding on your business property
• Damages as a result of earth movement, even if the movement was caused by flooding

Whether you live in a flood-prone area or not, flood insurance is an important and necessary investment that will protect you and your home. If you are a resident of Jefferson City, MO and you are thinking of getting a flood insurance policy, Luebbering Insurance Agency LLC is ready to assist you. For many years we have been working with the clients from Jefferson City, MO and other surrounding areas by addressing their insurance needs. Do not hesitate to give Luebbering Insurance Agency LLC a call and discuss flood insurance options with one of our helpful agents. 

Condo owners may mistakenly think their condo and their personal property are covered by the insurance the condo association carries.  Condo associations in Jefferson City, MO are in fact required to provide property insurance on the common areas of their condominiums.  However, this insurance only covers the exterior walls of individual buildings or units and any common use areas. Bodily injury which occurs within these common areas is also covered by the association.  

However, the association insurance stops at the exterior walls to individual condos.  

This is why condo owners should consider purchasing their own individual insurance.  Luebbering Insurance Agency LLC  can assist condo owners in finding the right type of individual insurance to protect their property and belongings. An insurance policy for condo owners in the Jefferson City, MO area includes the option to purchase individual insurance which will protect them from damage to their unit and personal possessions.  

What types of damage can be covered with a personal condo insurance policy?

• Fire
• Lightning
• Windstorm
• Smoke
• Vandalism
• Malicious mischief
• Theft

 Condo owners may also be interested to find a policy that will cover them in case there is an injury to another person inside their condominium.  The association insurance only covers injury in the common areas of the condo complex or neighborhood.  There are also options to protect owners against water damage to interior walls, floors, or ceilings since the condo association coverage ends at the exterior walls.  

Where condo associations carry insurance to help protect them from damage, theft and bodily injury in any commonly used areas of the complex like a gym or a swimming pool, this coverage ends at the door of the individual condo units.  

Please visit or call us for more information about individual condo insurance coverage. Contact one of our agents to discuss your options for insurance and begin the process of purchasing the best policy to fit your lifestyle and budget.

Life insurance is one way to protect your family.  It can provide for your children should you or your spouse unexpectedly pass away.  This is primarily how people think about life insurance but it can provide many more benefits.  It can cover the final expenses and the cost of the funeral.  It can also be used to ensure that your children have funds for their college education.  You are also able to designate funds to support a favorite charity.  That’s more benefits than most people know that they have.  At Luebbering Insurance Agency LLC, we work with residents in the Jefferson City, MO area to understand how life insurance can benefit them. 

When talking with your agent, they will give you some things to think about regarding the type and amount of life insurance that would be best for you and your family.  The decision on the amount also needs to include the effects of estate taxes and inflation.  Term life and whole life are the primary forms of life insurance.  Term life policies provide coverage for a predefined period of time.  They can be renewed but each renewal costs more each time.  Also, they don’t build cash value over time.  Their premiums are lower making them more economical.  The other option is a whole life policy, which stays active during the policyholder’s lifetime.  Premiums will be higher but they build cash value that can be borrowed against.

At Luebbering Insurance Agency LLC, our agents work hard to help families in the Jefferson City, MO area understand the multiple benefits that life insurance policies offer.  Considering life insurance brings up many questions and we’re here to help!  For general information, peruse our website then contact us.  You work hard for your family.  Take the steps to protect their future. 

A beneficiary is someone who will receive the payout from your life insurance policy at Luebbering Insurance Agency LLC if you were to die. While choosing a beneficiary doesn’t have to be all that complicated, there are some things you can keep in mind. 

Who you choose to name as your beneficiary in Jefferson City, MO is going to be unique to your own circumstances. The main reason why people get life insurance is to have peace of mind when it comes to your family. Your life insurance is really your safety net. If you live with a spouse, would he or she still be able to pay the mortgage and bills without your income? If you provide support to your parents, would they be able to go on without your help? Would any of these people be taking on any of your debt? Did your parents cosign your mortgage or help you with the down payment? Did your partner take a step back from their work to take care of children? 

There are some common scenarios that make it easy to choose a beneficiary in Jefferson City, MO. If you are married with kids then it’s pretty easy to name a beneficiary. Most people will choose the spouse as the beneficiary so the spouse can use the proceeds to provide for the kids. This is true for even spouses who stay home since childcare and household upkeep would still need to be paid for. If you are married with no kids, most people still choose a spouse as a primary beneficiary with a parent as a contingent beneficiary. If you are a single parent then you are likely getting insurance to provide for your children. You can name your child but life insurance companies can’t pay out the policy to a minor. When there is a minor involved, you also need to have a custodian to transfer the policy to. You could name a trusted family member who you know has the best interest of your child in mind.  

Contact Luebbering Insurance Agency LLC to get a quote on life insurance. 

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.

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!