Frequently Asked Questions

Actual Cash Value vs Replacement Cost Value

  • ACV pays to replace or fix your home or personal things. But your insurance WILL SUBTRACT money because of age, and wear and tear (depreciation).
  • RCV pays to replace or fix your home or personal things. But your insurance WON’T SUBTRACT money because of age, and wear and tear (depreciation).
ACV Example:
  • Estimate of Damage: $175,000 - $2,000 (deductible) - $92,000 (depreciation) = $81,000 (ACV Payout)

RCV Example:
  • Estimate of Damage: $175,000 - $2,000 (deductible) = $173,000 (RCV Payout) 

CT Legacy Insurance has officially rebranded to Hart Legacy Insurance.

Christian is still in the same office! She always handled two roles behind the scenes. Now she will focus on being the Commercial COO.

While our name has changed, our ownership, team, and commitment to our clients remain the same. This change reflects our continued growth and long-term vision for the agency while honoring the legacy we’ve built in our community.

You can expect the same trusted service — just under a new name.

If you have any questions, feel free to call us at (580) 875-5444.

We are HERE for YOU!
  • Multiple carrier options
  • We do the shopping for you
  • We care about long-term relationships
From finding the perfect plans, to filing claims, to answering questions with grace and precision, we’re always available for our clients, providing the peace of mind and attentive service they have come to expect.