Coverage that protects your home—and the peace within it.
Home Insurance Expertise at Legacy
Your home is more than a building—it’s the heart of your security. At Legacy Insurance Services, we help you make informed choices about protecting it. With tailored guidance, we help you understand coverage options, identify potential gaps, and find the protection that brings true peace of mind.
Core Home Insurance Coverage Types
Dwelling Coverage (Coverage A)
Covers damage to your home’s physical structure—walls, roof, built-in appliances—from covered perils like fire, windstorms, theft, and more.
Other Structures (Coverage B)
Extends protection to detached structures like garages, sheds, and fences—typically up to about 10% of your dwelling limit.
Personal Property (Coverage C)
Covers damage or loss of your belongings—clothing, furniture, electronics—up to policy limits, with higher-value items eligible for additional endorsements.
Loss of Use / Additional Living Expenses (Coverage D)
Reimburses you for living expenses—like temporary housing—if your home becomes uninhabitable due to a covered loss.
Personal Liability (Coverage E) & Medical Payments (Coverage F)
Protects you against legal liability for injuries on your property and may cover minor medical costs for guests injured on your premises.
Optional / Add-On Coverages
Flood Insurance – Available separately via NFIP or private carriers—standard policies typically exclude flood damage.
Extended Replacement Cost – Covers building costs that exceed your policy’s dwelling limit—critical as rebuilding costs rise.
Earthquake Insurance – Available separately, with high deductibles and risk-based pricing.
Home Warranty (Not Insurance) – Covers appliance/system repairs due to wear and tear—not covered by home insurance.
How Legacy Guides You
Comprehensive Coverage Review
We help you understand what’s inside—and outside—your policy so no surprises await in a claim.Custom-Fitted Protection
Whether it’s flood, earthquake, or replacement cost coverage, we recommend only what you need, not templates.Policy Value & Accuracy
Rising construction costs demand accurate valuations and extended coverage—especially in disaster-prone areas.Claims Advocacy & Ongoing Support
In the event of a loss, Legacy helps manage claims and ensure you’re heard, reimbursed, and restored.Annual Home & Coverage Review
Home value, contents, and risks change. We review your plan regularly to keep protection current and sufficient.
Why Home Insurance with Legacy Stands Apart
What That Means for You
Independent expertise – We offer options, not quotas—comparing across markets for your best fit.
Risk-aware guidance – We proactively address regional threats like floods or earthquakes.
Transparent clarity – We’ll walk you through cost vs. value, policy limits, endorsements, and your protection gaps.
True partnership – Your home matters deeply. We cover you thoroughly and remain connected proactively.
What Working with Legacy Looks Like
Personalized policy audit
We assess dwelling value, contents, exposures, and risks—together.
Thoughtful coverage design
Your plan is built around your home and priorities—not cookie-cutter tiers.
Optional endorsements explained
Flood, earthquake, extended replacement—we’ll clarify what matters most.
Claims and restoration support
When trouble strikes, we support you through claim submission and resolution.
Annual insurance refresh
After remodels, price changes, or inventories, we make sure your coverage reflects your home’s real value.
The Legacy Promise
More than a policy. It's a partnership.
At Legacy Insurance Services, we don’t offer one-size-fits-all solutions. We make a promise—to every client, every time—to walk alongside you with clarity, intention, and genuine care. Because we’re not just protecting your assets. We’re helping you protect your legacy.
