Home ProtectionResidential
Smart-home discounts integrated with your security systems and real-time risk monitoring.
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Live AI underwriting · 40+ A-rated carriers
Insurance that's brilliantly simple.
Powered by AI, run by people who care.
Legacy Insurance pairs predictive underwriting with a dedicated human advisor for every policy. Better rates, faster claims, and a real number you can actually call.
40+
A-rated carriers
18%
Avg. premium saved
<60s
AI quote time
24/7
Human advisor access
⚡
Latest claim resolved
3 minutes ago · auto-approved
💸
Savings spotted today
$1,284 across 4 policies
What you get
Intelligence at every step. Humans at every turn.
01
🎯
Precision Quotes
Our AI analyzes thousands of risk variables to find the exact coverage you need — often spotting savings other agencies miss.
02
⚡
Instant Claims
Snap a photo, file in seconds. Our engine processes routine claims instantly, so you're never left waiting.
03
🤝
Human Connection
Tech handles the data, people handle the empathy. Every client gets a dedicated advisor for life.
Every line we cover
Personal, commercial & specialty — all in one place.
Personal lines
🏡Home
Dwelling, contents, liability — with smart-home discounts.
🚗Auto
Usage-based premiums rewarding safe driving.
💛Life
Term & whole life tailored to your family stage.
🩺Health
Individual & family plans across major networks.
🔑Renters
Affordable protection for tenants.
☂️Umbrella
Extra liability above your auto/home limits.
🐾Pet
Accident, illness, and wellness coverage.
✈️Travel
Trip cancellation, medical, and baggage.
Commercial lines
🛡️General Liability
Third-party bodily injury & property damage.
👷Workers' Comp
Statutory injury coverage for employees.
🏢Commercial Property
Buildings, inventory, and equipment.
🔐Cyber
Breach response, ransomware, BEC.
📑Professional (E&O)
Defense against service-error claims.
🧑⚖️D&O
Executive and board-level protection.
🚚Commercial Auto
Fleets, trucks, hired/non-owned vehicles.
📦BOP
Bundled property + liability for SMBs.
Specialty
🌊Flood
NFIP & private market flood policies.
🎉Event
Weddings, conferences, special occasions.
⛵Marine
Boat, yacht, and cargo coverage.
Coverage for everything you build.
Modular policies that grow alongside your family — and your enterprise.
Home Protection
Auto & MobilityAuto
Usage-based premiums that reward safe driving with telematics-powered savings.
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Business AssetsCommercial
Comprehensive liability, cyber, and asset protection tailored for modern teams.
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Our advisors
The humans behind the algorithm.
Decades of risk management experience, on call when you need it. Every AI recommendation gets a human sanity check before it reaches you.
01
Personalized strategy
We don't just sell policies — we build a risk framework for your future.
02
Proactive advocacy
When a claim hits, your advisor is your first call and strongest ally.
03
Always reachable
Direct line to a human, not a chatbot. Mobile, email, secure message — your call.
Sarah Jenkins
Head of Client Strategy
Marcus Thorne
Commercial Risk Lead
Elena Rodriguez
Senior Policy Advisor
David Chen
Claims Advocacy Director
Client perspectives
Trusted by families and firms.
Why people switch to Legacy Insurance for their most valuable assets — and why they stay.
"
The claim was handled before I even had time to worry. Legacy Insurance's AI flagged the storm damage automatically, and my advisor called within an hour.
J
Jonathan V.
Homeowner · Austin, TX
"
Legacy Insurance found coverage gaps our previous agency missed for five years — and cut our total premium spend by 18%.
L
Linda G.
Founder · West Coast Design
Common questions
It monitors market shifts, risk data, and your policy details around the clock. When a better rate or coverage gap shows up, your human advisor reaches out with the fix.
Always. Tech powers our speed; every Legacy Insurance client has a named advisor reachable by phone, email, or secure message.
Over 40 A-rated national and regional carriers — so we can match your risk profile and budget instead of forcing a single product.
Bank-grade encryption, never sold, models run on isolated infrastructure audited annually for SOC 2 compliance.
Two minutes. One quote.
Ready for a smarter policy?
Comprehensive quote in under three minutes — and you'll meet your dedicated advisor the same day.