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Frequently Asked Home Insurance Questions

Leibel Insurance Group

Toll Free: (855) 906-6351
Edmonton Local: (780) 484-8880
Calgary Local: (403) 910-1848
Fax: (780) 484-7879
Email: [email protected]

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Derek Chewka
Derek Chewka
19:08 05 Jul 19
I am just finishing a quote with one of the agents Tracey, and whether or not I decide to go with what is offered I felt compelled to offer a review as I had such a difficulty time finding insurance. I will own my part, I am not the best candidate but Tracey made sure that I never once felt like I was difficult to find insurance for. I felt respected and she was patient and consistent in her work. She is by far one of the best insurance people I have ever worked with. Thank you Tracey!
Emily Yaceyko
Emily Yaceyko
17:15 05 Jul 19
Sara is the best insurance broker I have ever worked with. She is easy to contact, knowledgeable in ensuring you get exactly the coverage you need for the best possible rate, and always pleasant to deal with. After struggling on many occasions to reach my previous insurance broker, Sara went above and beyond so that I didn't have to worry about contacting him to cancel, or even pay the cancelation fee. If you need insurance, you need Sara.
Trudy Lucas
Trudy Lucas
16:23 25 Jun 19
I am starting my third year with Leibel Insurance Group and their staff have always been friendly and helpful. Once when I was renting a car out of the area I forgot my insurance information at home. I called the office and they emailed me a copy of my insurance information. This is great customer service. Update June 2019, still satisfied with the quality of service provided by this team.
Arnold Oliveros
Arnold Oliveros
23:05 21 Jun 19
Very great customer support service! I registered on auto insurance, coming from another insurance company. And they were able to give me a policy number right away today! The customer support was very friendly and professional too. I recomment this insurance to everyone! 🙂
Kent M
Kent M
16:20 13 Jun 19
After being frustrated dealing with a different provider, I won't name, it was nothing but a pleasure to work with this group. I had called to set up insurance for my new motorcycle. It was late in the day ~7pm and Krista Wilson was nearly done for the day. Regardless she was able to get me set up and a profile done in just under and hour and at a great rate as well. As stated, it was a pleasure to work with Krista and I would 100% recommend this group to friends.
Fiona Nixon
Fiona Nixon
19:35 10 Jun 19
This is my first time using Leibel Insurance Group and I was more than impressed! Tarah was amazing! She saved me hundreds of dollars on my insurance, answered all my questions and really helped me make the right choice. I would, and have, recommend Leibel to everyone I know. Amazing job and thank you so very much!!!
Cathy Aageson
Cathy Aageson
18:29 07 Jun 19
Tracey was awesome! She patiently answered all my questions and was happy to assist me. Despite my less than ideal circumstances she never once made me feel as if I wasn’t a valued customer. Thank you for everything Tracey, VERY much appreciated!!
Dave Buck
Dave Buck
19:14 24 May 19
I am very happy with the expertise, knowledge, friendliness, understanding and most of service provided to me by Sandi Pires this week. I had been having difficulty acquiring insurance for some art that I own. My insurance provider was very unhelpful and almost uncooperative in responding to my insurance needs. So I contacted Leibel and Sandi was assigned to me. The whole experience has been excellent. Options were given to me, information was given to me, and eventually good products were given to me. I also, for once, understand my actual coverage. In the end, I moved all my insurance to Sandi's care. I am confident that she will represent me very well. I'm glad to have "met" Sandi and glad her expertise available to me at all times.
Megan Miller
Megan Miller
17:34 13 May 19
I have been so happy with my experience working with Tracey. She was fast, responsive and even worked through the weekend to ensure my insurance was in place on time. Great rates and great customer service! Thank you!
Adrien Cripps
Adrien Cripps
19:33 06 May 19
Tarah Doughty helped me to combine my car and new house (moving to a new house in 2 weeks). There were many variables to consider and carriers with differing options. Tarah helped me to navigate the many decisions, she had endless patience and was always cheerful. I would recommend her to anyone who values customer service. Thank you Tarah!
stan otto
stan otto
15:15 06 May 19
Sara Boutin was great to deal with. Very helpful and personable. I've been dealing with Leibel for many years, have had good experiences overall and will continue to use their services.
Mike Rosanova
Mike Rosanova
16:59 25 Apr 19
Jessica G has to be the best insurance broker I have ever dealt with. She saved me a ton of money without compromising my coverage on my house and car. She was also super informative throughout the whole process. So easy to communicate with, quick response time, and incredible customer service all around. I will be recommending her to all my friends and family. Thanks again Jess !
Joshua Kutcher
Joshua Kutcher
19:48 18 Apr 19
Fantastic service. I'm not even a customer and Kristen still gave me undivided attention, advice and replied immediately. Will definitely join this group when my policy is up for renewal. Thanks Kristen!
Jonathan
Jonathan
21:33 15 Apr 19
Susan is nothing short of a superhero, we had a problem with another insurance company taking there sweet time and needed paperwork done that day. I gave Susan from Libel a call and within less than hour, we had signed the paperwork and we had a copy of our new insurance file. This lady is a goddess amongst insects in terms of insurance agents and brokers. We have since transferred all our business over to Libel because of the speediness and quality of the service. Strongly recommend!
Shannon Wowk
Shannon Wowk
23:29 12 Apr 19
Krista, our agent, was friendly and incredibly responsive. She made the whole process smooth and quick and we are very happy with the service. We've worked again with Krista for trailer and car insurance and again she gave outstanding service. We highly recommend working with her.
TZEDaRK WOlFe
TZEDaRK WOlFe
00:33 26 Feb 19
I had Krista as my agent for auto insurance. Guys, what should i say? She is lightning fast and provided me the best service so far. She also sent me all the quotes from various providers, simply the best agent and company among all the ones i have talked to. If you are like me who doesn't wanna wait on the phone and thrown millions of questions at you then look no further, call Krista right away. Thank you so much Krista, its good to know that somewhere in Edmonton there is a company and an agent like you who provides service like this.
Zeeshan Jamil
Zeeshan Jamil
16:53 30 Oct 18
I recently purchased my commercial van Insurance through Leibel Insurance Group. I was helped by Monique Bradley. I usually don't write much reviews, But her service inspired me to go and write a comment as people like her needs to be appreciated because I believe she stands out in her skills. She was very knowledgeable, she listened to me very carefully and understood very clearly what I wasnt in my policy and then tailored it with perfection. Therefore I highly recommend Leibel Insurance group and especially to ask for Monique Bradley... Cheers!!!!!
Allan George
Allan George
16:47 30 Oct 18
Monique at LIG has been more than helpful and polite on every occasion/interaction. I've never had such exceptional service. She is extremely organized, punctual, and personable. I would recommend Monique to anyone looking for insurance help in a heartbeat.
VK Marquez
VK Marquez
16:58 23 Oct 18
Dealing with Krista was fantastic!! I called in on behalf of my mother in law with hopes of getting her insured. Krista was attentive and on top of it all. She was thorough, kind and courteous from beginning to end. She replys quickly to your questions via email or phone. She was busy at a convention, left so that she could help us with finalizing our policy. Thank you Krista for all of your. Come January, I will be contacting Krista directly to obtain a policy of my own.
Rae Shungur
Rae Shungur
19:02 22 Oct 18
Travis and his team were amazing! Understanding my insurance needs didn't have me in tears...for the FIRST TIME EVER! They were timely, caring and I felt like I was their number 1 priority. Thanks again!!!
Allie Morris
Allie Morris
17:13 13 Oct 18
I was at my wits end with my previous insurance broker as I got 3 business day notice before my policy (which is suppose to automatically renew) was no longer offered with my current insurance broker. So my rates have tripled and they just wanted me to settle with my new policy and didn't help me get a lower rate with another insurance company. Krista Wilson with Leibel was a breath of fresh air she was super helpful, quick and found me the best rate that almost matched my current rate and she even assisted me letting me know the paperwork I needed to find to get an even lower rate. You can tell she really loves and enjoys her job and helping people out.
Ryan Maas
Ryan Maas
16:48 17 Sep 18
Amazing group! They always look after my needs and are informative and prompt. Keep up the great work! Thanks!
Kristina Free
Kristina Free
22:55 30 Aug 18
Tracey Leblanc gives excellent service. No matter what my questions are or the time of day I email/contact her, she is always prompt with her reply. Extremely prompt customer service! Best Insurance I have ever delt with! Thanks Tracey !! Highly Recommended !!
Gillyn Parker
Gillyn Parker
22:00 30 Aug 18
I had issues with my previous insurance provider so I went looking for a new one. Found Sarah Milenbach from Leibel Insurance Group Edmonton was amazing! She is kind, thorough, and incredibly helpful! I am very impressed and happy with the service and my new policy. I highly recommend!!
Mary Jarvina
Mary Jarvina
18:49 22 Aug 18
Krista Wilson is super duper awesome! She got everything done in a timely manner and I am so impressed with her customer service. I've dealt with the run around with other insurance brokers and she was straight to the point. Thanks Krista 😀
Danny Greenbank
Danny Greenbank
19:25 17 Aug 18
Jessica was amazing to deal with! From getting quotes to answering questions to finalizing paperwork she was prompt and attentive. I put a high value on professional and quality service and I believe as long as she is in the business I will be dealing with her. Thank you so much for everything!
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You asked, we answered! Here are some frequently asked questions about home insurance.


Do I get a discount for my home insurance if I have video cameras installed? To obtain an alarm discount on your home insurance, you would need to have the monitored alarm system covered for fire and burglary.

What is the most frequent loss in home? In today’s world of extreme weather events, $1 billion has become the new normal for yearly catastrophic losses – most of this is due to water-related damage – Insurance Bureau of Canada

Why do I have to pay a deductible for my home insurance? If a claim is filed, the policy holder is responsible to pay a portion of the loss. This portion is normally taken off the settlement amount.

When does a no deductible apply to my home insurance? The insurance company is able to waive the deductible in the event of a total loss or if a disappearing deductible endorsement is purchased.

How do I insure the expensive belongings in my house? Why would I want to insure these items separately.  These are termed as floaters. Insurance companies have special limits for these types of items (bikes, cameras, jewelry, etc) under the standard comprehensive package. To protect yourself it’s recommended to have separate coverages for these items. Once this added coverage is added it gives the client no deductible in the event of a loss as well in most cases they also get around the world coverage.

Do claims affect my home insurance? Yes, they do unless you have a claims waiver which will not affect your rate. Another way a claim will affect your home insurance is if you move companies once the waiver is activated.

Why are home evaluators higher than what I paid for my house or my tax assessment? It’s not based off of resale value, it’s based on replacing your existing home with a brand new, up to date version pertaining to all up to date building codes. Some policies can provide replacement cost on a home if the client doesn’t wish to rebuild.

Why is my home insurance going up?  Home insurance is based of weather related losses, based off of claims history in previous term. Inflation protection is also added to the building amount every year, causing premium to reflect revised building amount.

Does my credit rating influence my home insurance premiums? Companies now will use a soft credit check to apply additional discounts to clients, credit score and details are not provided to the insurance company or brokers. Good credit scores can obtains additional savings.

How often is my home evaluated on average? On average it is recommended that an evaluator be completed every 5-7 years with your broker, this will ensure you maintain the guaranteed replacement cost on the policy.

My condo board has insurance, why do I need to get separate? Condo board insurance normally protects the building and common areas (replaces back to builders specifications). Condo insurance on the other hand encompasses several coverages to complete the policy. A couple of items the condo insurance is there to protect you for are improvements to the units (this can be previous owners as well) as well as your contents protection.

Should I package my home and auto insurance together with the same carrier? Yes, because this provides you with up to 20% of savings for having multiple policies.

If I have my home and auto with the same company but different brokers, do I get the discount? No you must have all policies at the same brokerage to receive multiple policy discounts.

What is renter insurance and why is it important? Renters insurance provides protection for your liability, additional living expenses and possessions. In the event of a loss (insured loss) the insurance company will replace your damaged items for brand new items.

Why do my landlords want proof of insurance? They are looking for the liability coverage that is included in the tenants insurance. In the event of a liability loss they want to ensure that they are protected against any liability losses caused by the renter.

How do I insure my jewelry? These are termed as floaters. Insurance companies have special limits for these types of items (bikes, cameras, jewelry, etc) under the standard comprehensive package. To protect yourself it’s recommended to have separate coverages for these items. Once this added coverage is added it gives the client no deductible in the event of a loss as well in most cases they also get around the world coverage.

Does how I pay for my insurance effect my premiums? Yes, if you choose to pay in full there is no financing charge. Most companies will charge a finance fee of approximately 3 % for monthly or a service charge for 2-4 payment options.

 

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