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The Best Protection For Your Home Is the Right Insurance.

No one can foresee the future, but you can protect your home and possessions with the right tools.

Fires, storms, robberies, and disasters can strike without warning. The right policy is critical for maximum protection.

Could you pay the difference between what an insurance company will pay and the repair and replacement cost should a claim arise if disaster strikes?

Homeowner Insurance coverage is complex. At Eric Luebbe Insurance in Bennington, NE, we have years of experience in providing the right policy to protect you and your home. Each total policy coverage is as individual as you are. We work to tailor your needs to provide the most comprehensive protection while providing the best value.

There are many different types of homeowners and property insurance policies. In Bennington, NE a personal agent will learn about your individual needs and required coverage and structure what is best for your specific needs, because knowing what is included and how it compares to your circumstances is critical.

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Risk Factor

Most fires are devastating. Besides the emotional impact, the physical damage to your home can be significant. If you lost your home to fire, do you have adequate insurance to replace your home and its contents? Remember, inflation rates on building materials and construction costs rarely track with real estate values. As a result, rebuilding a home can often cost significantly more than expected.


Make sure your homeowners policy contains replacement cost coverage with no cap. This protects you if the cost to reconstruct your home is higher than your current limit of coverage. And, be sure that your insurance includes rebuilding your home to code. Very often, local ordinances and building codes change over time, which may require additional costs.

Personal Property / Contents - Property Damage
Risk Factor

When your home suffers damage due to an unexpected event, your personal property is also at risk. Furniture, appliances, clothing, electronics, and other personal items can also be damaged or destroyed.


Your homeowners insurance policy typically covers personal property, including the contents of your home and other personal items owned by you or family members who live with you. Make sure your homeowners policy includes replacement cost coverage for personal property so that you always receive the full cost to replace whatever item is damaged.

Additional Living Expense / Loss of Use
Risk Factor

When there is substantial damage to your home due to unexpected events such as lightning, fire, or a storm, you may not be able to live in your home until it can be repaired or rebuilt–potentially incurring additional living expenses for lodging, food, and other daily needs.


Ensure that your homeowners insurance policy provides additional living expense or loss of use coverage to compensate you for the additional costs you incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it's being repaired or rebuilt.

Valuable Possessions
Risk Factor

Typically, there is a sublimit on homeowner insurance policies for valuable possessions, such as jewelry, furs, fine arts, and other collectibles.


Obtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to replace them.

Medical Expenses
Risk Factor

If a guest is injured while on your property, even when it’s due to a friendly game of baseball, you may be required to pay any medical expenses associated with their injury.


Your homeowners policy should include medical expenses coverage to take care of injuries and treatment - generally not of a serious nature. In the event a person is injured on your property and requires medical attention, you would be able to submit the injury-related medical expenses to your insurance carrier. Medical expenses are usually paid without a liability claim being filed against you.

Personal Liability
Risk Factor

In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.


Your homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. However, you should consider purchasing a personal umbrella or excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.

Miscellaneous Coverage
Risk Factor

The fun that comes with having a trampoline in your backyard can also be accompanied by serious risks, which may not be covered under your standard homeowners insurance policy since coverage varies from state to state and between insurance companies.


You should make sure your homeowners insurance policy covers your trampoline, as many insurance providers refuse to take on trampoline liability and exclude the item from coverage.

Personal Injury / Defamation
Risk Factor

Young people are usually very active online. However, using social media and other sites can increase the possibility of them directly or indirectly damaging someone's reputation and exposing you, the parent, to a lawsuit.


Your homeowners insurance policy includes liability coverage for property damage caused by any member in the family, but likely does not cover rumors or statements that damage a reputation. You may need to seek additional coverage to include liability protection that covers personal injury or defamation.

Umbrella / Excess Liability Coverage
Risk Factor

You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?


An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies-providing financial value and security. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.

Flood Coverage
Risk Factor

You do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. Your homeowners policy does not cover damage from flood. Could your home be at risk?


Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.

Secondary Home
Risk Factor

Owning a secondary home has the potential of increasing your liability exposures.


Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability or umbrella policy to provide for additional liability limits.

Collector Cars
Risk Factor

Collector or classic vehicles often have significant value and require special documentation and unique insurance coverage to ensure they are adequately protected. Even if stored on your property, they are typically not covered under your homeowners insurance.


Insure your collector cars with a specialized insurance company that focuses on and understands the unique nature of collector or classic cars and other vehicles.

Wine Collection
Risk Factor

If you are a connoisseur of wine, you know that it is susceptible to outside environmental exposures that can ruin it. If the collection is damaged, coverage from your homeowners policy is a possible recourse. However, the damage is only insurable if it is a covered cause of loss as outlined in your homeowners policy. A deductible would also apply.


If you have a sizable wine collection, you may want to consider scheduling the collection on your homeowners policy. Doing so expands your coverage and eliminates the deductible in case of a loss. You can also consider unique coverages for wine, such as for spoilage.

Water Damage
Risk Factor

Whether entering from outside your home from a flood or from within your home’s plumbing system, water damage is the most common cause of loss to a home. Many policies exclude losses caused by backup of sewers and drains, and all unendorsed homeowner policies exclude damage caused by a flood.


Careful review is essential to protect your home and belongings from all sources of water damage. We recommend coverage solutions from insurance companies that include backup of sewers and drains. Also, identify cost efficient solutions to address the risk of flood damage in the first place.

Off-Premises Theft
Risk Factor

Surprisingly, standard auto insurance does not cover personal property or contents stolen from your car.


Most homeowners policies offer an option to include off-premises theft coverage as an endorsement, which covers you for theft of your personal property away from your residence.

Do you know the many types of property insurance and how they will affect you?

Actual Cash Value (ACV) vs. Replacement Value (RV): The wrong decision can cost you thousands of dollars.

Example: Your $3,000 television could be worth only around $400 with (ACV) after depreciation and your deductible. Replacement cost insurance would provide you with a new television that is most like the one damaged. Imagine trying to replace all of your significant valuables at a reduced value because that’s all your homeowners insurance covers.

Most policies cover dwellings but not detached structures. Extended coverage would be necessary for those. Personal belongings are protected, but only up to policy limits. Additional coverage would protect expensive jewelry, art collections, and high-end electronics.

Would you be protected if your home becomes uninhabitable? If there is a fire or flood, will your insurance company pay for a place to live temporarily?

Suppose someone falls or is hurt on your property. In that case, will your liability insurance protect you from being responsible for their medical bills? How would you be covered if someone is injured from a dog bite? One of our experienced agents at Eric Luebbe Insurance in Bennington, NE can give you a comprehensive property insurance or homeowner insurance policy that will address your unique needs.

Many items are not covered and require additional coverage:

Earthquakes, sinkholes, sump pumps, sewer and septic backups, or broken water pipes to the home are not covered, as well as home maintenance and wear and tear. Additional coverage may be needed to defray your costs should an event occur.

You may be in a situation where you need a blanket policy to protect your business or a large estate. Developing a personal relationship with your agent is paramount to ensuring you get the comprehensive coverage you need.

Policies also vary on the type of house. Each has unique guidelines, and your agent will guide you through the complexities to make sure you get the protection you need.

Eric Luebbe Insurance works with a variety of companies, so we have solutions designed to fit your needs and address your unique requirements by structuring a comprehensive coverage policy. Our Bennington, NE agents stay knowledgeable and informed, and as conditions change, we advise our clients on the best way to protect their most significant investments and the property within.

We offer plans to bundle home, auto, and business insurance to save you even more. For comprehensive homeowners and property insurance coverage in Bennington, NE speak to an agent who understands the local area and will listen to your concerns and unique needs. Contact Eric Luebbe Insurance now and request your quote.

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Contact Eric Luebbe Insurance Agency

Our Fremont, NE Office

1152 E 16th Street
Fremont, NE 68025

 402-721-5454 phone
 402-809-5087 text
402-671-7719 fax

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