Real Texas home & auto quotes in minutes — from a local agency that answers the phone.
Libertas is an independent agency in Waco. Compare real rates from A-rated carriers online, through our AI assistant, or even through your own AI agent — then a licensed Texas agent finalizes the bind.
One agency for your home, your cars, and your business
One agency, one phone number, every policy. Because we're independent, we shop the market for you instead of pushing one company's products.
Home insurance
Texas homeowners coverage built for wind, hail, and water risk — quoted online with property details filled in automatically.
Home insurance →Auto insurance
Coverage for every driver and vehicle in the household, from clean records to SR-22 filings.
Auto insurance →Home + auto bundles
Bundling is the most reliable way to cut your total premium. We quote it both ways and show you the difference.
Bundle & save →Restaurant insurance
Property, liability, liquor liability, and spoilage for kitchens, bars, and food trucks.
Restaurant insurance →Workers' comp
Coverage for Texas employers — quoted across carriers to fit your class codes and payroll.
Workers' comp →That's the short list. We also place renters, condo, landlord, boat, RV, umbrella, flood, and life — and business coverage for most industries. If it's insurable, we can almost certainly quote it: personal lines · business lines.
Three ways to get a real quote
Most agencies give you one slow form. We meet you — and your AI tools — where you are.
Quick-quote form
Answer a few questions and watch real rates come back from A-rated carriers. We pre-fill property and vehicle details so you answer fewer.
Start a quick quote →Quote by chat
Tell our AI assistant what you need in plain English, any time. It builds the quote with you and hands off to a licensed agent.
Open the assistant →Quote via MCP
Use ChatGPT or Claude? Libertas is quotable through the Quotor MCP server — your agent gets real options in one conversation.
How AI quoting works →From "shopping around" to covered — without the runaround
Tell us about you
A few minutes online or in chat. We pull property and vehicle details automatically so you answer fewer questions.
See real rates
A-rated carriers price your actual risk in real time. Real quotes — not estimates designed to capture your phone number.
Bind with a licensed agent
Pick the option you like and a licensed Texas agent finalizes everything — usually the same day.
We work for you, not for an insurance company
The market competes
Captive agents sell one brand. We put your risk in front of many A-rated carriers and let them compete — at new business and again at renewal.
Technology without the spam
We built our own quoting platform so you see real rates online. Your information goes to carriers to price your policy — never to a lead list.
Local when it counts
Claims, certificates, policy changes — call the Waco office and talk to someone who knows your account.
Service is the job, not an afterthought
Claims guidance, certificates of insurance, mortgagee changes, adding a vehicle — the Service Center has you covered, or just call (254) 304-5173.
Visit the Service CenterCommon questions about Libertas Insurance
Is Libertas Insurance an independent agency?
Yes. Libertas Insurance (legal name Libertas Group, LLC) is an independent insurance agency headquartered in Waco, Texas. We place coverage with multiple A-rated carriers rather than representing a single insurer, so carriers compete for your business.
How fast can I get a home or auto quote in Texas?
Most customers get real, carrier-priced home and auto quotes in a few minutes — online at quote.libertasinsurance.com, or by chatting with our AI assistant. A licensed Texas agent finalizes the bind, usually the same day.
Can I get a Libertas quote through ChatGPT or another AI assistant?
Yes. Libertas is quotable by AI agents through the Quotor MCP server at mcp.quotor.ai. An assistant can check eligibility, build a quote, and return real options in one conversation, then hand you a secure link for a licensed agent to finalize.
What does Libertas Insurance cover?
Almost everything. Home, auto, and home-plus-auto bundles for Texas families — plus renters, condo, landlord, boat, RV, umbrella, flood, and life. On the business side we place coverage for most industries, with restaurant insurance, workers' compensation, and commercial auto as specialties.
Where is Libertas Insurance located?
Our office is at 210 N 6th St, Waco, TX 76701. Call (254) 304-5173 or email service@libertasinsurance.com. We serve Waco, Temple, Killeen, Austin, and all of Texas.
Is Libertas licensed?
Yes. Libertas Group, LLC is a licensed Texas insurance agency. Kyle Kriegel is the producer of record, National Producer Number 20767295.