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Homeowners Insurance

Homeowners Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Homeowners Insurance Information

From a cottage to a new home, a historic home or mobilehome, your home is one of the biggest investments you have. At Liebler Agency our knowledgeable agents are here to help you select affordable coverage to protect the investment you’ve made. A homeowner policy not only covers the structure, but also most of your personal belongings inside from events such as: fire and lighting, windstorms and hail, theft, vandalism or malicious mischief and smoke. We want to assist you and help determine the amount of coverage you need.

Liebler Agency – Your Hometown Insurance Agency

Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.

What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

Things to consider and questions to ask your agent
Here are few things to discuss with your agent that will influence your decisions.

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
  • What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.) 
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Marlette Office
3521 VanDyke Road, Suite B
Marlette, MI 48453
PH: 989-635-6800 or
North Branch
3789 Huron Street
North Branch, MI 48461
PH: 810-688-3077 or
Brown City
4232 Main Street
Brown City, MI 48416
PH: 810-346-2738 or
100 S. Main Street
Yale, MI 48097
PH: 810-387-4214 or
Imlay City
172 N Cedar Street
Imlay City, MI 48444
PH: 810-724-8600 or
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