Licensed Insurance Advisor • Serving NY, NJ, CT & FL • 20+ Years of Experience
Libbie Cedeno is the Principal Agent at Refine Risk and a licensed insurance advisor with over 20 years of experience in the insurance industry. She has been serving individuals, families, and businesses throughout the Tri-State community since 2003.
Libbie specializes in personal insurance, real estate insurance, and commercial insurance solutions. She frequently works with homeowners, high-net-worth families, real estate owners, and business leaders who want clear guidance, transparent recommendations, and proactive risk management.
Libbie is fully licensed to serve clients in New York, New Jersey, Connecticut, and Florida. She works closely with clients across the New York metro area, Westchester County, New Jersey, and Connecticut, providing ongoing support as insurance needs evolve over time.
“Ninety-five percent of the cases we see are folks who are overpaying and don’t have enough insurance. Most of the time, we’re able to fix both.”
— Libbie Cedeno, Principal Agent, Refine Risk
Frequently Asked Questions
Is Libbie Cedeno a licensed insurance professional?
Yes. Libbie Cedeno is a fully licensed insurance advisor serving clients in New York, New Jersey, Connecticut, and Florida, with over 20 years of industry experience.
What types of insurance does Libbie specialize in?
Libbie specializes in personal insurance, real estate insurance, umbrella coverage, auto insurance, and commercial insurance solutions.
Who should work with Libbie Cedeno at Refine Risk?
Clients who want personalized guidance, clear explanations, and insurance programs tailored to their actual risks — not generic policies — are a strong fit for working with Libbie and the Refine Risk team.
Request a Coverage Review
Schedule a conversation with Libbie Cedeno to review your current insurance coverage and identify opportunities to improve protection and value.