Get your free Alberta Home Insurance quote from Leibel Insurance Group. For great coverage at competitive rates, visit us online or call 780-484-8880
Don’t Let Life’s Unknowns Take Away Your Home
Your home is your biggest and most important investment. Naturally, you want to protect this investment. You need the best Home Insurance policy you can afford, but how do you know you have the right coverage and lowest premiums?
A Closer Look at Home Owners Insurance
When most people think of Homeowners coverage, they think of another way the insurance companies get money from us. However, the truth is, insurance is the best way to cover your potential risks since no one can accurately predict the future. Your homeowner policy protects you from extensive damages, injury expenses, and lawsuits.
Does Everyone Need Coverage?
If you own a house or residence, you should consider insuring it. In fact, it’s not an option if you have a mortgage on your home, because the lender wants their financial interests protected. Even if you are only renting a house or apartment, you should have the contents insured against damage and theft, because your landlord’s property insurance doesn’t cover your possessions or legal liability if your dog bites someone. Here are properties that should be fully insured:
- Private residences
- Cabins and vacation homes
- Luxury homes
- Rental properties
What’s in a Standard Home Insurance Policy?
A standard policy should include coverage for:
Homeowners Insurance Options
Standard insurance is not usually enough and you might need to consider these important insurance options for your home.
- Flood Insurance
- Sewer backup coverage
- Identity Theft protection
- Extra Liability insurance
- Additional contents – can include luxury items, antiques, collections, art, and such.
- Replacement cost coverage
- All risk or peril insurance
What Home Owners Insurance Discounts are Available?
You may find a number of discounts and factors that affect your premiums to review when you speak with your insurance agent. For example:
- Burglar alarm systems
- Sewer backup prevention equipment
- Multiple policy discounts
- Discount for non-smokers
- New roof
- Mortgage free
Finding the Best Insurance
Finding the right Homeowners Insurance policy can be difficult. All the companies claim to have the best policies, but you need coverage that is best for you and your family. This is the reason so many people in Alberta are turning to independent insurance agencies like Leibel Insurance Group.
When you go with an independent agent you have an insurance advocate working for you and this person has your best interests at heart. There’s no more shopping around to find the best policies. Your agent does all that for you and much more. With access to top insurers, you can be assured of getting a policy customized to your needs, and at an affordable price too.
Filing a Claim
Leibel Insurance Group has more than 30 years of experience in the insurance industry. We are there to help make sure your claim is handled properly. When you need to make a claim, contact the company directly, and they will notify us. We are there to offer any assistance you may need and we will follow up to make sure your claim was handled satisfactorily.
When you do business with us you are never alone. We can help you find affordable Home Owners Insurance that covers all your needs. You can contact us by phone, fax, email, or in person. For questions on insurance or information on a policy assessment, you may call (780)484-8880. Call or fill out the free quote request form above today!
Is your property insured through Aviva or Intact? If so, take a look at the new coverages being offered through these insurance providers:
Aviva Insurance – Overland Water Damage Coverage
Effective June 1, 2015, Aviva is now offering Overland Water Damage coverage. This coverage will be available to you midterm or on your property renewal date.
Check out Aviva’s informational video about this new coverage. Please contact your Broker for further information or to speak with your Broker about adding this coverage to your policy.
Intact Insurance – Enhanced Water Damage Package
Intact is now offering Enhanced Water Damage coverage. This coverage will be available to you midterm or on your property renewal date.
This Enhanced Water Damage coverage is a replacement to the current Water Escape/Back-Up Extension Endorsement. This coverage extends to cover overland water losses, and water and sewer line losses.
Various coverage limits are available for customers. You will have the choice and ability to customize your coverage based on your individual needs.
Check out Intact’s informational video about this new coverage. Please contact your Broker for further information or to speak with your Broker about adding this coverage to your policy.
Call Us at (780) 484-8880
Leibel has been the only choice for our personal and business insurance. Amazing rates and great service!