Terms & Conditions

No Coverage Is Bound

Submission of information through this website, email, text message, online form, or any other electronic communication does not constitute binding, issuance, or modification of insurance coverage. Coverage cannot be bound, changed, altered, canceled, or confirmed without written confirmation from an authorized representative of Hart Legacy Insurance LLC and any required premium payment or underwriting approval.

Any insurance quote, estimate, premium indication, or coverage discussion provided is subject to carrier underwriting review, policy terms, conditions, exclusions, eligibility requirements, and final approval by the insurance carrier.

Accuracy of Information

You agree to provide accurate, complete, and current information when requesting quotes, submitting applications, or communicating with our agency. Incorrect, incomplete, or omitted information may affect eligibility, pricing, coverage availability, claims handling, or policy issuance.

Hart Legacy Insurance LLC is not responsible for coverage issues, rating changes, or claim denials resulting from inaccurate, incomplete, or delayed information provided by the applicant or insured.

No Professional or Legal Advice

Information provided on this website is for general informational purposes only and should not be interpreted as legal, tax, financial, or insurance coverage advice. Insurance needs vary by individual and business circumstances. Please contact our office to discuss your specific coverage needs.

Coverage Availability

Insurance products, coverages, discounts, and carrier availability may vary by state, underwriting eligibility, and carrier guidelines. Not all applicants will qualify for coverage or discounts.

Third-Party Carriers and Providers

Hart Legacy Insurance LLC is an independent insurance agency and may provide quotes through multiple insurance carriers and third-party providers. We are not responsible for carrier underwriting decisions, policy terms, claims decisions, payment processing systems, billing practices, or service interruptions provided by third parties.

Electronic Communications

By submitting your contact information, you consent to receive communications from Hart Legacy Insurance LLC regarding quotes, policies, renewals, billing matters, service requests, or other insurance-related communications by phone, email, or text message. Standard message and data rates may apply. Consent to receive text messages is not a condition of purchase.

Website Content Disclaimer

While we strive to keep information on this website accurate and up to date, we make no warranties or representations regarding the completeness, accuracy, or reliability of website content. Information may be changed or updated without notice.

Limitation of Liability

To the fullest extent permitted by law, Hart Legacy Insurance LLC shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from the use of this website, reliance on website content, communication delays, technical interruptions, or inability to obtain insurance coverage.

Intellectual Property

All website content, logos, branding, graphics, text, and materials are the property of Hart Legacy Insurance LLC unless otherwise stated and may not be copied, reproduced, or distributed without written permission.

Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with the laws of the State of Oklahoma.

Contact Information

If you have questions regarding these Terms & Conditions, please contact:

Hart Legacy Insurance LLC
A Division of Legacy Insurance Group LLC
Phone: 580-875-5444
Email: bhart@legacyinsurance1.com