The Insurance Options You Want and Service You Deserve

We are an insurance company in Fremont, NE offering business, personal, auto, and property insurance. Feel free to look around below to see what we offer!

Home

Property insurance in Fremont, NE can help you protect your home and belongings should disaster strike.

Auto

If you drive or own a vehicle in Fremont, NE, auto insurance is more than just a convenience – it’s a necessity.

Business Insurance

With decades of experience, our insurance company in Fremont NE offers business insurance to make sure you have the coverage you need before you need it most.

Our Services

Our independent insurance company agents in Fremont NE work to build personal insurance policies that anticipate every possibility.

Companies We Represent

Our Fremont, NE insurance company works with a variety of insurance carriers to help you find the best coverage at the best price.

Helpful Content

Curated articles, videos, and more for a more informed you.

About Eric Luebbe Insurance Agency

1152 E 16th Street, Fremont, NE 68025

Welcome to Eric Luebbe Insurance Agency. We are an independent insurance agency located in Fremont, NE. We help countless local families, individuals, and businesses maximize their savings and coverage each and every single day. We know first-hand how big box insurance companies can take advantage of people who don’t understand their current insurance by charging higher rates the longer you stay. But at Eric Luebbe Insurance Agency, we make changing your insurance quick and seamless, saving you significant amounts on your premiums—which is why we’re highly rated.

Making the switch is easy with a team that takes pride in its service. No matter what milestones and events you experience throughout life, we are always here to help. In fact, you can count on us to keep shopping the market continuously for the most competitive rates and optimal coverage the marketplace has to offer. Being independent also allows us to offer you unbiased transparent advice, as well as a genuine agent fighting for your best interests. Get in touch today!

Eric Luebbe Insurance Agency is a three time recipient of the “Best of Fremont” award. We are privileged to serve and be recognized by our community.

Find the Insurance Options You Want Here

Eric Luebbe Insurance Agency offers a variety of personal insurance and business insurance solutions to help you protect what matters most.

Personal Insurance

Business Insurance

Insurance by Industry

Maximize Your Advantages With An Independent Agency

We offer a wide variety of insurance solutions.

We are there for you in your time of need.

We are by your side every step of the way.

We are licensed insurance advisors.

Choose From a Varierty of Carriers

We proudly represent Safeco Insurance, Nationwide, and more!

See What Our Clients Have to Say

Eric Luebbe Insurance Agency has a track record of impressive service and rates.

“Since switching to this agency I can’t say enough how blown away with them I am! Their communication and knowledge is outstanding. They are always available, always quick in getting quotes and answering questions, and always going the extra mile to make sure I have the best coverage.”

Joleen J.

“Eric worked all day to find me the best rate possible for my home insurance and even suggested auto insurance which made both of my policies more affordable than any competitor that I could find, while also offering higher coverages. We highly recommend using them for all insurance policies you need!”

Bill M.

“My brother referred Eric to me and I am so glad he did. Eric was able to save me $500 a year with car insurance, not at all exaggerating. As a single mama with two kiddos the amount I am saving is pretty significant. Not only that, the initial process was a so easy and not at all time consuming.”

Alicia F.

Have a story about your service you’d like to share? Ready to refer a friend? Start here!

Manage Your Policies

Already a client of Eric Luebbe Insurance Agency? Visit our Service Center to make requests and manage your insurance.

  Report a Claim

   Pay Bill

  Auto ID Card

  Get Certificate

  Policy Review

  Policy Change

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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 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.

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.

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.

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.

Click it. Read it. Cover it.

Not what you’re looking for?

Explore more interactive graphics.

Let’s Get Started

Contact Eric Luebbe Insurance Agency

"* " indicates required fields

Δ

Don’t like forms? Contact us at 402-721-5454 or info@ericluebbe.com.

Insurance Solutions

About Eric Luebbe Insurance Agency

Get Help

Contact Us

1152 E 16th Street Fremont, NE 68025

 402-721-5454  402-809-5087 text info@ericluebbe.com 402-671-7719 fax

Experience the Value of an Independent Agency

At Eric Luebbe Insurance Agency, our mission is to get to know and understand your needs, wants, and long-term goals. Our auto and home insurance company in Fremont, NE, is here to help you develop a personalized insurance strategy. We will also help you monitor and implement that very same strategy that’s designed to address your unique situation and needs.

We are licensed in AZ, CO, GA, IA, MO, NE, and VA.

© 2024 Eric Luebbe Insurance Agency | Powered by Forge3 ActiveAgency | All rights reserved | Privacy Policy