Identify the property
Homes, vehicles, rental property, second homes, watercraft, recreational vehicles and valuables.
Personal insurance for the whole household
Your household is more than a home policy and an auto policy.
Personal Insurance Pro by Liberty Union helps households coordinate home, auto, umbrella and the additional coverage that protects the way they actually live.
Established 2007Personal and commercial insurance experience
Every policy comes with a licensed agentReal guidance after the sale
Licensed in 10 statesAZ · IL · MO · NM · NC · OK · OR · SC · TN · TX
One household. Multiple policies.
Coverage should work together before a claim tests it.
A household may include a primary home, several vehicles, youthful drivers, a rental property, second home, boat, RV, jewelry and an umbrella. We help identify how those policies connect, where limits differ and what changes need to be disclosed.
Experience since 2007
We look at the household—not one declaration page at a time.
Richard Phillips founded Liberty Union Insurance Group in 2007. For nearly two decades, the agency has helped personal-lines clients compare protection, understand policy differences and receive service from licensed agents.
A meaningful review asks who lives in the household, who drives which vehicles, how property is occupied, what has been renovated, what sits outside standard policy limits, and whether the umbrella truly matches the underlying home, auto, rental and recreational exposures.
Identify the people
Household residents, drivers, youthful operators, domestic employees, tenants and regular users.
Coordinate the liability
Underlying limits, exclusions, ownership names and umbrella eligibility across the account.
Rental homes belong in the review
Protect the primary home, autos and rental properties as one household account.
Many of the carriers available through Liberty Union will consider eligible one-to-four-family rental homes when they also insure the household’s primary home and autos. Packaging can improve carrier fit and makes it easier to coordinate premises liability and umbrella protection.
Occupancy, lease terms, property condition, number of units, prior losses, ownership and short-term rental activity affect eligibility. Coverage and carrier availability vary by account and state.
Explore landlord and rental-property insuranceCoverage depth
The details that determine whether a policy performs as expected.
Replacement cost is not market value. Flood is not ordinary surface-water coverage. An umbrella does not automatically cover every vehicle or property. A licensed agent helps translate those distinctions into decisions.
Complete household protection