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Home Insurance

Your 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
Call (866) 484-8880 now to speak directly with an Insurance Specialist about Home Insurance or complete a no-pressure no-obligation quote request form.

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
  • Condominiums
  • Townhouses
  • Luxury homes
  • Rental properties

What’s in a Standard Home Insurance Policy?

A standard home insurance policy can help you secure financial protection for your home and personal belongings. It is made up of different types of coverages that can help you pay to repair or replace your home or belongings should damage from insured perils occur.

Liability Protection

All typical home insurance policies will provide you with something called liability coverage. This coverage will protect you if someone who does not live with you becomes injured on your property. Imagine a visitor trips and falls over your broken porch steps, or a neighbour slips on ice in front of your home. If you are found at fault, the liability insurance can help you cover the legal or medical expenses associated. You may be able to increase your coverage limit and your agent can help explain the options that are available to you.


If you or anyone living in your home is a victim of theft, your home insurance policy can help you replace your stolen possessions. Your personal belongings will be covered whether they are stolen inside or outside of your home.

Fire Coverage

House fires are one of the most common causes of damage to homes. Your home insurance policy will help protect structures and belongings against them. If your home is completely destroyed by a fire, your policy will also cover the cost of living expenses, for example, hotel stays, rentals or food and restaurant bills.

Vandalism Coverage

Vandalism is typically covered under an all-risks or all-perils policy, unless specifically excluded. Vandalism coverage will apply to homes that are unoccupied, but not vacant. Unoccupied homes are homes that still have the owner’s belongings in them even though the property owner is absent. Vacant homes are empty with none of the owner’s personal property.

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!

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