Personal insurance with a personalized touch.
Insurance is essential to protecting you and your family from financial disaster. If you don’t have insurance, and you lose your house in fire or storm, do you have enough extra money lying around to rebuild? If you get into a car accident, do you have the resources available to replace your car or pay out of pocket for medical coverage? If you don’t, you’re not alone. That’s why insurance exists.
One problem we see all the time is that people will have various forms of insurance, but they won’t have them all with the same agent. A car here, a house there, a motorcycle on one side, and life insurance on another. Since the goal of insurance is making sure you are financially taken care of if something goes wrong, someone really needs to look out for the complete picture. Insuring against some risks can leave you vulnerable if you ignore others . When you choose Legacy Partners Insurance Services, you are getting a team of dedicated agents that will work with you to make sure you are properly covered in all facets of your insurance needs. We can review and help you with coverage for all your personal insurance needs, and we will do it all with the same amazing customer service we have offered to our customers for over 100 years now!
Like everything else in life, when it comes to homeowners' insurance, you get what you pay for. If your house is destroyed, you don't want insurance to only cover half the cost of rebuilding. Likewise, if your roof is destroyed you want your whole roof replaced. Don't settle for a company that offers low rates for little or no protection. We will review the details of your home with at least seven insurance companies to see who can offer you the coverages you actually need at the best overall price.
Since 1973, Michigan law has required every vehicle owner to obtain no-fault automobile insurance. If you don't have it, you could face criminal penalties, and you could be personally liable for damages and personally responsible for your own medical bills in the event of an accident. In 2020, Michigan passed no-fault insurance reform which made a number of changes to automobile insurance in the state. These changes give you more choices, but the wrong choice could lead to financial ruin for you or your loved ones.
Life Insurance & Annuities
When you think of life insurance and annuities, you should think of Legacy Partners! We have access to the top life insurance and annuity markets with extremely competitive rates and coverages. Even if you already have life insurance, if you haven't checked pricing in a few years, rates have gone down substantially. We might be able to get you the same coverage for less money! If you've got money you're holding in a standard bank account or a low interest CD, you should consider short term annuities as a way to guarantee better interest rates.
Renters / Condo Insurance
If you are renting an apartment or you own a condo, you likely do not need to insure the building itself (the building owner usually takes care of that). Instead, you need a special form of insurance that covers your personal property and offers you protection from liability in your apartment or unit. These policies are relatively inexpensive and offer a big benefit -- some policies even cover additional living expenses if your apartment or unit is damaged and requires significant repair.
They say insurance exists for a rainy day. Personal umbrellas are insurance's way of offering you extra protection to keep you financially dry in a bad storm. Especially with the recent PIP reform changes meaning more underinsured drivers on the road, we recommend almost all of our customers purchase an umbrella policy to provide additional limits of liability coverage. With extremely low cost for the added coverage, It's the cheapest way to protect your savings if you are found liable for damages. Ask one of our agents today to explain how an umbrella policy can help you.
Insurance For All Your Outdoor Toys
Michiganders love to get outdoors. Whether you're hitting the open road on a motorcycle, headed off camping in an RV, or taking the boat out for a cruise, make sure that you are properly covered in all your adventures. We can even help you cover snowmobiles, ATVs and other off road vehicles. It can be very tough to insure these risks correctly, so speak with one of our agents today to make sure you are insured correctly.
What Our Customers Are Saying
“My last agent worked for a company with great TV commercials, but they only had one price to offer me. Legacy Partners had their carriers compete for my business, and I saved BIG. I know if my rates ever go up, they'll make sure I'm not overpaying.”
Jimmy G. - Mount Clemens, MI
“I called Legacy Partners to compare quotes for my business. When they reviewed my coverages, they realized I wasn't insured properly. I had no idea! My agent fixed my coverages and got me a great price too. I highly recommend Legacy Partners for any business owner.”
Fred F. - Harrison Township, MI
“My agent took the time to educate me about the coverages I was missing with my old policy. When water backed up in my basement, my $25,000 claim was fully covered. I'm so glad I switched to Legacy Partners!”
Kris P. - Livonia, MI
“Legacy Partners helped me switch and save on my home and auto insurance. When my rates went up years later, their amazing service team remarketed my insurance and found me savings again!”
Roger Z. - West Bloomfield, MI
“When I needed to make a change to my policy, I simply called Legacy's service center and the change was made in minutes. Top notch service from an outstanding service team.”
Dave P. - Ann Arbor, MI
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Regardless of what your situation is, our main focus at Legacy Partners Insurance is making sure your family is properly covered in all circumstances of life. We have a team of professionals who have dedicated their lives to helping families protect themselves at an affordable price. We welcome the opportunity to help provide you with a solution that you are looking for.