Home InsuranceYour Home is Your Castle. Home Insurance Protects Your Largest Investment, so You Should Rest Easy Knowing You're Covered!
- Rest Easy Knowing Your Insurance Broker Helped You Find the Right Policy with the Best Coverage
- Protect Your Biggest Investment from Unexpected Large Losses or Claims
- Coverage Against Unanticipated Liability Claims and Defence Costs
Don’t Let Life’s Unknowns Damage or Destroy 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 Canada 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!
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. Get your free Canada Home Insurance quote today to see how much you can save!
Home Insurance for Winter
With Canadian winters come a combination of heavy snow, ice and freezing cold temperatures. While the harsh elements may no longer faze you, extreme weather can cause unforeseen damages to your home. This is when having the right home insurance is more important than ever.
Do you understand how your current home insurance will cover winter-related damages? How can you protect yourself and your home this winter?
How Home Insurance Can Help During The Winter
Snowstorms And Hail
Strong winds from a snowstorm often mean fallen trees, heavy snowfall, and hail, all of which can damage your property. Fortunately, most home insurance policies cover these common winter mishaps.
Most home insurance policies cover the damage from a burst pipe, but only if it’s sudden and unexpected. You must show that you have taken precautions to prevent your pipes from freezing for your claim to be valid. If you plan to leave your home unattended for a few days, it’s best to have someone periodically check that your furnace is working properly or drain the plumbing system completely.
Melted snow can result in flooding, or worse, it can work seep into the foundation and freeze, causing severe damage. Generally speaking, these incidents are not covered by insurance companies. You should take care to properly winterize your home to avoid this kind of situation! If you know that this can be a potential problem for your house and you’re willing to pay the extra cost, some insurance companies offer add-on flooding coverage for existing policies.
Snow and ice are common slipping hazards. What happens if someone hurt themselves on your property because you forgot to shovel the driveway? What if they get hit by an icicle? This is where the liability section of your home insurance comes in. It’ll help you avoid some nasty lawsuits!
How You Can Find the Best Winter Home Insurance
Are you tired of “insurance shopping”? The coverage of every policy is different, and the process of finding the perfect one can be overwhelming. This is why many Canadians are seeking help from independent insurance agencies like Leibel Insurance Group.
Let us do the work for you!
Just let us know your unique insurance needs, and our team of insurance specialists will help you find a customized policy with the best rates! Call us or fill out the free quote request form today for the winter home insurance you need!
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