Understanding Your Coverage

Educate Yourself on Your Coverage

We want you to understand everything that you have covered by your insurance so you can have peace of mind. The Legacy Insurance Group is dedicated to your satisfaction, and by working with you to find out your coverage needs, we can decide on the optimal insurance plan for you. If you ever have any questions or concerns about your insurance policy, give us a call!

Homeowner’s Insurance Coverage

Policy Forms
There are three different types of policy forms you can purchase: HO1, HO2, and HO3. Their coverage areas vary significantly. 
HO1 & HO2 cover the following:
  • Fire/Lightning
  • Wind/Hail
  • Explosion
  • Riot/Civil Commotion
  • Aircraft
  • Vehicles
  • Smoke
  • Vandalism & Theft
HO2 covers the preceding, and also the following:
  • Falling Objects
  • Weight of Ice/Sleet/Snow
  • Sudden & Accidental Water
  • Cracking/Burning
  • Collapse
  • Freezing
  • Sudden Electric Current & Volcano
HO3 covers everything, except the following:
  • War
  • Wear & Tear
  • Nuclear Disaster
  • Intentional Acts
  • Flood
  • Governmental Actions
  • Earthquake
What is Your Deductible?
Simply put, your deductible is the portion of the repair cost that you, the insurance holder, are responsible to pay for out of pocket. While deductibles may vary from $500 all the way up to 2% of your dwelling’s reconstruction cost, it is important to choose the right deductible according to your financial needs. Our experienced insurance agents at The Legacy Insurance Group can help you calculate the right deductible for your home and budget.
Car Insurance
The Legacy Insurance Group can help you find an insurance plan that keeps all aspects of your vehicle, your passengers, and you safe and sound. Some of the most popular coverage areas our trusted carriers provide include the following:
  • Bodily Injury Liability Coverage
  • Property Damage Liability Coverage
  • Medical Payments
  • Uninsured/Underinsured Motorist Protection
  • Collision Coverage
  • Comprehensive Coverage
  • Rental Coverage & Roadside Assistance
If you would like to take advantage of the beneficial protection these coverage areas provide you with, get in touch with The Legacy Insurance Group today!
Property Insurance
Protect your personal property with The Legacy Insurance Group. We can help you find policies that provide protection for your valuable belongings. Take a look at the beneficial coverage you can obtain for your property below.
  • Personal Property Coverage – If your personal belongings are lost, stolen, or destroyed as a result of an insured event, this insurance coverage will pay to replace them.
  • Scheduled Personal Property – Scheduling property can provide a wider range of coverage for special belongings, such as fine jewelry, art, or antique collectibles.
Protect Yourself & Others
The Legacy Insurance Group knows that accidents happen. If a situation occurs that involves damages or injury on your property, and you are at fault, you and your assets will be protected. For extra liability protection at a low cost to you, ask us about umbrella policies, such as the following:
  • Medical Coverage – This insurance covers the medical expenses of an injured party on your property. Medical coverage can even cover certain cases for parties who are injured off your property in some insurance cases; however, it does not cover medical expenses for you or anyone else in your household.
  • Additional Living Expenses – When your home is damaged and becomes inhabitable and you need additional living expenses, this insurance is a life saver. As long as the initial loss is covered, this insurance will cover your additional living expenses while your home is being repaired or rebuilt altogether.
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