Your Legacy,
Protected.
We protect what matters most to Iowa families and businesses. Personal attention. Competitive rates. Coverage you can count on.
Su Legado, Protegido.
Insurance Built Around Your Life
From your first car to your growing business, we find the right coverage at the right price.
Auto Insurance
Liability, collision, comprehensive, and SR-22. We shop multiple carriers to save you money.
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Home & Renters
Protect your home, your belongings, and your family. First-time homebuyers welcome.
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Business & Contractor
General liability, workers’ comp, commercial auto, and contractor packages. We speak your language.
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Specialty Lines
Umbrella, motorcycle, RV, landlord, and more. If it needs coverage, we can help.
Get a Quote →Three Steps to the Right Coverage
Getting insured with Legado is simple, fast, and stress-free.
Tell Us What You Need
Fill out a quick quote form or call us. We will ask a few questions to understand your situation and what you need covered.
We Shop the Market
We compare rates from 17+ carriers to find you the best coverage at the best price. Then we walk you through every option so you understand what you are paying for.
You Choose, We Handle the Rest
Pick the plan that fits your budget and your life. We handle the paperwork, the binding, and we are here whenever you need us after that.
Legacy Is Not Just Our Name. It Is Our Standard.
Legado was founded on a simple belief: every family deserves an insurance professional who listens, explains, and fights for the best coverage. Not a call center. Not a chatbot. A person who knows your name.
Independent, Not Captive
We represent you, not one carrier. We shop the market so you don’t have to.
Bilingual from Day One
Our team serves you in English and Spanish with equal care and expertise.
Community First
We live here. We coach here. We build here. Des Moines is home.
Multiple Carriers, One Advocate
Progressive, Liberty Mutual, The Hartford, Secura, and more. We find the right fit.
We Educate, Not Just Insure
We walk you through every coverage option so you understand exactly what you are paying for and why it matters.
Meet the People Behind the Promise
Real people. Real expertise. Ready to help.
Jaime Leiva
Bilingual agent with 10 years of experience. Forty Under 40 honoree and Goldman Sachs 10KSB alumni.
Oscar Hernandez
Bilingual agent with a background in banking and mortgage. Dedicated to finding the right coverage for every client.
Elsa Villanueva
Keeping the agency running with precision and warmth. Bilingual client support.
Licensed Across Five States
Whether you’re in Des Moines, Omaha, Kansas City, or beyond, Legado is licensed and ready to serve you.
Frequently Asked Questions
What does “independent agency” mean?
It means we are not tied to one insurance company. We represent you and shop multiple carriers to find the best rate and coverage for your specific situation.
Do you offer bilingual service?
Yes. Our team is fluent in both English and Spanish. We can handle your entire policy, from quoting to claims, in whichever language you prefer.
How fast can I get a quote?
Most quotes are ready within 24 hours. For auto insurance, we can often provide a quote the same day. Fill out one of our online forms or call us directly.
Do I need an SR-22?
If you have had a DUI, driving without insurance, or certain violations, you may need an SR-22. We work with carriers that specialize in SR-22 filings and can get you covered quickly.
Can you insure my business if I am a subcontractor?
Absolutely. We specialize in contractor insurance including general liability, workers comp, and commercial auto. Whether you are a sole proprietor or run a crew, we can help.
What is the difference between liability and full coverage?
Liability covers damage you cause to others. Full coverage adds comprehensive and collision, which covers your own vehicle too. We will walk you through both options and help you decide what makes sense for your situation.
What states are you licensed in?
We are licensed in Iowa, Nebraska, Kansas, South Dakota, and New Jersey. Our office is in Des Moines, but we serve clients across all five states.
Accessibility Statement
Legado Insurance Professionals is committed to ensuring digital accessibility for people with disabilities. We continually work to improve the user experience for everyone and apply the relevant accessibility standards.
We strive to conform to the Web Content Accessibility Guidelines (WCAG) 2.1, Level AA. These guidelines explain how to make web content more accessible for people with disabilities and more user-friendly for everyone.
If you experience any difficulty accessing any part of this website, please contact us:
Phone: (515) 809-9271
Email: service@legadoinsurance.com
Hours: Monday – Friday, 8:30 AM – 5:00 PM