About Us

We are an independent agent representing Erie Insurance in Harford County and the surrounding area of Maryland. The principal agent at Legacy Insurance is Russell Thater. Having over 8 years experience in the industry, he opened Legacy Insurance on November 1st, 2013.

Our perception of how a business should be run was shaped early in life. Growing up on Long Island, New York, you knew the owners of all the shops that ran up and down the main road. The pizzeria, the baker, the Italian butcher, the barber, etc. The people who worked in these businesses owned them. This means they took pride in everything they did and were accountable to their patrons. If you had a discrepancy, you spoke directly to the person in charge and they would take care of you. That is how business was done.

This is how we run our shop at Legacy Insurance. We take pride in our business and our goal is to provide you the best experience possible. If you appreciate knowing your agent and your agent knowing you, then this is the place for your business.

An Independent Advantage

We are Independent Agents in Havre De Grace, Maryland, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Legacy Insurance represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn't purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn't have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family's financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, you wouldn't have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, because it's up to you to make the final choice.