Home Insurance
Homeowners insurance protects you financially if something bad happens to your home. We help you choose the right coverages.
Understanding your needs and assisting you with selecting the best coverage is our expertise.
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Condo insurance helps protect your condominium unit and belongings against losses and repair costs if they are damaged by certain perils like theft, fire, vandalism, etc. It typically offers liability coverage, additional expenses coverage, and loss assessment coverage.
If you have any questions regarding what’s covered and what isn’t by condo insurance, contact our team at Liberum Insurance. We can help you get the best condo insurance within your budget.
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Renter’s insurance provides coverage for a policyholder’s belongings, liabilities, and living expenses in case of a loss event. Anyone who is renting or subletting a single-family home, studio, loft, apartment, duplex, condo, or townhouse can purchase renter’s insurance. It provides protection against theft, fire and smoke damage, certain forms of water damage, liability, and loss of living expenses.
We can help personalize your renter’s insurance plan and include your preferred personal belongings.
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If you face a major peril, there’s a significant chance that your current liability insurance limits wouldn’t offer adequate coverage for your assets or even your future earnings. When the liability limits of your home, auto, or other policy are exhausted, your umbrella policy can kick in and give a second layer of protection of $1,000,000 or more.
If you need to purchase personalized umbrella insurance coverage within your budget, contact our team now.
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Flood insurance covers financial losses from property damage caused by external flooding. Your standard home insurance policy can cover certain types of water damage but won’t cover any property or valuables damaged in flood. If you live in flood-prone zones, purchasing a separate flood policy can prevent any out-of-pocket expenses for flood damages.
Contact our experts here at Liberum Insurance to get personalized flood insurance coverage. Our flood insurance provides financial coverage for most home appliances.
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Mobile home insurance is offered as a different type of policy other than homeowner’s insurance as it takes into account the fact that mobile homes are made from considerably lighter materials, and these homes are anchored into place instead of being securely built on a foundation. Mobile home insurance typically covers property damage, damage to personal belongings, and liability. Talk to our team at Liberum Insurance to get your personalized mobile home insurance coverage today!
Contact UsYour insurance premiums are not tax-deductible except under special circumstances. You do receive other tax benefits as a homeowner, but they are not related to homeowners’ insurance. However, if you’re a homeowner who uses part of your home for business purposes, you may be able to deduct a portion of your homeowner’s insurance.
The first process is to develop a quote with your insurance agent, where you’ll need to provide some basic information about your house, like the address, any custom or unique features, and the date of the last roof replacement. In addition, you’ll likely also need to provide some personal information, like your date of birth and information about any co-owners of the home. Once you’ve gathered quotes from multiple insurance companies, you can compare the options to find out which option fits best for you. From there, you will need to sign an application and make at least the first month’s payment on your policy to obtain coverage.