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  • If you’re in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you’re worth.
  • Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

Unlike driving a car, you can legally own a home without homeowners insurance. But, if you have bought your home and financed the purchase with a mortgage, your lender will most likely require you to get homeowners insurance coverage. That’s because lenders need to protect their investment in your home in case your house burns down or is badly damaged by a storm, tornado or other disaster.

Many financial experts consider life insurance to be the cornerstone of sound financial planning. It is generally a cost-effective way to provide for your loved ones after you are gone. It can be an important tool with income replacement, paying outstanding debts and long-term obligations, estate planning, and charitable contributions.

The answer is usually “yes” — sometimes as a matter of law.

Apart from those legally required policies, what kind of insurance you need depends on your industry and the potential risks you face.

State laws can require business insurance. If you have employees, most states in the U.S. mandate workers’ compensation insurance , disability insurance, and unemployment insurance.

Additionally, your profession may require you to have insurance to maintain a license to practice. For example, contractors working in construction may have to get general liability insurance before signing on to a project.

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    10777 W. Twain Ave Suite 222 Las Vegas, NV 89135

    M-F / 9am-5pm

    Call / Text / Fax: 702-922-7135

    A Few of Our Insurance Partners

    Just a few trusted insurance companies Legacy Insurance Group partners with to bring superior coverage. See more here

    about Legacy Insurance Group

    Legacy Insurance group prides itself with being a “Service First” company to our clients.

    Born in the Philippines, Michael Payne moved to the US at the age of 7. Son and Grandson to US Air Force Officers he has lived and traveled throughout world, absorbing unique cultures and people. That experience has fostered the ability to quickly adapt to change and to remain comfortable and confident in any environment. Owner of Las-Vegas-based Legacy Insurance Group, Mike offers more than two decades of collective professional experience in the industry. He launched his career with a prominent insurance brokerage, and was then offered a position with AAA Insurance Nevada, where he opened its first insurance stand-alone office and was deemed Top-Producing Agent every year. Throughout his career, Mike has consistently been recognized for his knowledge, professionalism, and attention to detail while providing peace of mind to his clients through sound insurance and exceptional service. He has a large professional network and personal relationship skills in the Insurance industry. One of Mike’s key talents is the value he brings, providing guidance to both Insurance partners and clients to a path of mutual benefit while enhancing the reputations of Legacy Insurance Group and its Insurance Partners both personal lines and commercial. Mike is dedicated to his family and community. He attributes his success to his beautiful wife Desiree and his amazing children: Tyler, Mikella and Austin. He supports various non-profit organizations and outreach programs. Mike has an affinity for students. He raises funds for local high school scholarships, collaborates with Project150 to gather food and clothing donations for homeless students. He served as the NV All-Pro Dads Captain for 4 years, 2013 through 2016 inspiring fathers to be a Hero to their kids and to love & lead their family well. He is a member of The Crossings Christian church and has served on Mexico mission trips to build homes for less fortunate families. Some of his notable achievements throughout his career are as follows: Platinum Producer 2000-2006 with AAA, Top 1% Sales Man 2007, Top 25 Asian Practitioners 2010-2011, Mr. Filipino NV Man of The Year 2010-2012, Best Business in Insurance 2014-2016 and Top 100 Businesses 2017.

    Michael Payne CEO

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    Michael Payne CEO


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