# Legacy Builders Insurance Agency | Miami Gardens, FL - Link: https://legacybuildersamerica.com/ - Published: 2026-10-08T06:33:20-04:00 - Author: contact Personal guidance · Mon–Fri 9:00 AM–5:00 PM [English](https://legacybuildersamerica.com/) | [Español](https://legacybuildersamerica.com/es/) | [Kreyòl](https://legacybuildersamerica.com/ht/)[**Call (305) 749-6303**](https://legacybuildersamerica.com/+13057496303) Insurance ▾ [All Insurance Types](https://legacybuildersamerica.com/all-insurance/)[Property Insurance — Home & Auto](https://legacybuildersamerica.com/personal-property-insurance/) [Auto Insurance](https://legacybuildersamerica.com/auto-insurance/)[Home Insurance](https://legacybuildersamerica.com/home-insurance/) [Life Insurance](https://legacybuildersamerica.com/life-insurance/)[Health Insurance](https://legacybuildersamerica.com/health-insurance/) [Commercial & Business](https://legacybuildersamerica.com/commercial-business-insurance/) [Trucking & Transportation](https://legacybuildersamerica.com/trucking-transportation-insurance/) [Specialty Insurance](https://legacybuildersamerica.com/specialty-insurance/)[↳ Flood Insurance](https://legacybuildersamerica.com/flood-insurance/) [↳ Jewelry Insurance](https://legacybuildersamerica.com/specialty-insurance/#jewelry-insurance) [Technology & Quoting](https://legacybuildersamerica.com/technology-quoting/) Clients ▾ [Client Center](https://legacybuildersamerica.com/client-center/)[Schedule a Consultation](https://legacybuildersamerica.com/schedule-consultation/) [Request a Policy Review](https://legacybuildersamerica.com/policy-review/)[Request a Certificate of Insurance](https://legacybuildersamerica.com/certificate-of-insurance/) [Request a Policy Change](https://legacybuildersamerica.com/policy-change/)[Upload Documents](https://legacybuildersamerica.com/upload-documents/) [Refer a Friend](https://legacybuildersamerica.com/refer-a-friend/) [Services](https://legacybuildersamerica.com/services/)[Learn](https://legacybuildersamerica.com/blog/) [About Us](https://legacybuildersamerica.com/about-us/)[Careers](https://legacybuildersamerica.com/agent-partnership/) [Contact](https://legacybuildersamerica.com/contact-us/)[Get My Free Quote](https://legacybuildersamerica.com/#quote) Menu [All Insurance Types](https://legacybuildersamerica.com/all-insurance/)[Property Insurance — Home & Auto](https://legacybuildersamerica.com/personal-property-insurance/) [Auto Insurance](https://legacybuildersamerica.com/auto-insurance/)[Home Insurance](https://legacybuildersamerica.com/home-insurance/) [Life Insurance](https://legacybuildersamerica.com/life-insurance/)[Health Insurance](https://legacybuildersamerica.com/health-insurance/) [Commercial & Business](https://legacybuildersamerica.com/commercial-business-insurance/) [Trucking & Transportation](https://legacybuildersamerica.com/trucking-transportation-insurance/) [Specialty Insurance](https://legacybuildersamerica.com/specialty-insurance/)[↳ Flood Insurance](https://legacybuildersamerica.com/flood-insurance/) [↳ Jewelry Insurance](https://legacybuildersamerica.com/specialty-insurance/#jewelry-insurance) [Technology & Quoting](https://legacybuildersamerica.com/technology-quoting/)[Client Center](https://legacybuildersamerica.com/client-center/) [Schedule a Consultation](https://legacybuildersamerica.com/schedule-consultation/) [Request a Policy Review](https://legacybuildersamerica.com/policy-review/)[Request a Certificate of Insurance](https://legacybuildersamerica.com/certificate-of-insurance/) [Request a Policy Change](https://legacybuildersamerica.com/policy-change/)[Upload Documents](https://legacybuildersamerica.com/upload-documents/) [Refer a Friend](https://legacybuildersamerica.com/refer-a-friend/)[Services](https://legacybuildersamerica.com/services/) [Learn](https://legacybuildersamerica.com/blog/)[About Us](https://legacybuildersamerica.com/about-us/) [Careers](https://legacybuildersamerica.com/agent-partnership/)[Contact](https://legacybuildersamerica.com/contact-us/) [Get My Free Quote](https://legacybuildersamerica.com/#quote) # Life Is Wild.⏎ Stay Insured.^(™) Life doesn’t always go as planned. Your protection should. From your family and vehicles to your home, business, and everything you’ve worked hard to build, we’re here to help you prepare for the unexpected. [Get My Free Quote](https://legacybuildersamerica.com/#quote)   [Speak With an Agent](https://legacybuildersamerica.com/+13057496303) ## Get your free quote Choose your coverage type and enter your phone number and ZIP code. A licensed agent will contact you to discuss your options. Coverage type * Phone * ZIP code * I agree to be contacted by Legacy Builders Insurance Agency about my request. * Submitting a request does not bind, change or guarantee insurance. Wait for confirmation from a licensed agency representative. Share only information needed for your request. [Privacy Notice](https://legacybuildersamerica.com/privacy-policy/). Independent Agency ## Insurance Companies & Market Providers Ask an agent which insurers and products are available for your state and needs. Availability and access vary by product, location and underwriting requirements. ⌊National Life Group logo⌉⌊National Life Group logo⌉National Life Group ⌊Ameritas Life logo⌉⌊Ameritas Life logo⌉Ameritas Life ⌊American Amicable logo⌉⌊American Amicable logo⌉American Amicable ⌊AIG / Corebridge logo⌉⌊AIG / Corebridge logo⌉AIG / Corebridge ⌊Aetna (Accendo) Final Expense logo⌉⌊Aetna (Accendo) Final Expense logo⌉Aetna (Accendo) Final Expense ⌊North American Company logo⌉⌊North American Company logo⌉North American Company ⌊F&G Life logo⌉⌊F&G Life logo⌉F&G Life ⌊Foresters Financial logo⌉⌊Foresters Financial logo⌉Foresters Financial ⌊Cincinnati Life logo⌉⌊Cincinnati Life logo⌉Cincinnati Life ⌊Mutual of Omaha / United of Omaha logo⌉⌊Mutual of Omaha / United of Omaha logo⌉ Mutual of Omaha / United of Omaha ⌊Royal Neighbors of America logo⌉⌊Royal Neighbors of America logo⌉Royal Neighbors of America ⌊SBLI logo⌉⌊SBLI logo⌉SBLI ⌊TransAmerica logo⌉⌊TransAmerica logo⌉TransAmerica ⌊Americo logo⌉⌊Americo logo⌉Americo ⌊Assurity logo⌉⌊Assurity logo⌉Assurity ⌊Gerber Life logo⌉⌊Gerber Life logo⌉Gerber Life ⌊Columbus Life logo⌉⌊Columbus Life logo⌉Columbus Life ⌊Ambetter Health logo⌉⌊Ambetter Health logo⌉Ambetter Health ⌊Amerihealth Caritas logo⌉⌊Amerihealth Caritas logo⌉Amerihealth Caritas ⌊AvMed logo⌉⌊AvMed logo⌉AvMed ⌊Antidote Health Plans logo⌉⌊Antidote Health Plans logo⌉Antidote Health Plans ⌊Blue Cross Blue Shield: TX, IL, NC logo⌉⌊Blue Cross Blue Shield: TX, IL, NC logo⌉ Blue Cross Blue Shield: TX, IL, NC ⌊CareSource logo⌉⌊CareSource logo⌉CareSource ⌊Oscar logo⌉⌊Oscar logo⌉Oscar ⌊Harbor Health logo⌉⌊Harbor Health logo⌉Harbor Health ⌊Jefferson Health Plans logo⌉⌊Jefferson Health Plans logo⌉Jefferson Health Plans ⌊Molina logo⌉⌊Molina logo⌉Molina ⌊United Healthcare logo⌉⌊United Healthcare logo⌉United Healthcare ⌊Wellpoint logo⌉⌊Wellpoint logo⌉Wellpoint ⌊Kaiser Permanente logo⌉⌊Kaiser Permanente logo⌉Kaiser Permanente ⌊Health First logo⌉⌊Health First logo⌉Health First ⌊Cigna Health logo⌉⌊Cigna Health logo⌉Cigna Health ⌊Progressive logo⌉⌊Progressive logo⌉Progressive ⌊GEICO logo⌉⌊GEICO logo⌉GEICO ⌊Farmers Insurance logo⌉⌊Farmers Insurance logo⌉Farmers Insurance ⌊Kemper logo⌉⌊Kemper logo⌉Kemper ⌊Infinity logo⌉⌊Infinity logo⌉Infinity ⌊Root logo⌉⌊Root logo⌉Root ⌊Coverwhale logo⌉⌊Coverwhale logo⌉Coverwhale ⌊Pearl Holding Group / Ocean Harbor logo⌉⌊Pearl Holding Group / Ocean Harbor logo⌉ Pearl Holding Group / Ocean Harbor ⌊Responsive Auto logo⌉⌊Responsive Auto logo⌉Responsive Auto ⌊Bristol West logo⌉⌊Bristol West logo⌉Bristol West ⌊Foremost logo⌉⌊Foremost logo⌉Foremost ⌊National General logo⌉⌊National General logo⌉National General ⌊FJUA logo⌉⌊FJUA logo⌉FJUA ⌊United Auto logo⌉⌊United Auto logo⌉United Auto ⌊Core Insurance logo⌉⌊Core Insurance logo⌉Core Insurance ⌊Mangrove Insurance logo⌉⌊Mangrove Insurance logo⌉Mangrove Insurance ⌊Citizens logo⌉⌊Citizens logo⌉Citizens ⌊American Integrity logo⌉⌊American Integrity logo⌉American Integrity ⌊Universal Property logo⌉⌊Universal Property logo⌉Universal Property ⌊People’s Trust logo⌉⌊People’s Trust logo⌉People’s Trust ⌊Orion logo⌉⌊Orion logo⌉Orion ⌊Security First logo⌉⌊Security First logo⌉Security First ⌊Slide logo⌉⌊Slide logo⌉Slide ⌊Swift logo⌉⌊Swift logo⌉Swift ⌊Topa logo⌉⌊Topa logo⌉Topa ⌊Benchmark Home Insurance logo⌉⌊Benchmark Home Insurance logo⌉Benchmark Home Insurance ⌊Amwins logo⌉⌊Amwins logo⌉Amwins ⌊VAVE logo⌉⌊VAVE logo⌉VAVE ⌊Wright Flood logo⌉⌊Wright Flood logo⌉Wright Flood ⌊National Flood logo⌉⌊National Flood logo⌉National Flood ⌊The Hartford logo⌉⌊The Hartford logo⌉The Hartford ⌊Chubb logo⌉⌊Chubb logo⌉Chubb ⌊Granada logo⌉⌊Granada logo⌉Granada ⌊Ascendant Group logo⌉⌊Ascendant Group logo⌉Ascendant Group ⌊Star Mutual logo⌉⌊Star Mutual logo⌉Star Mutual ⌊RT Specialty logo⌉⌊RT Specialty logo⌉RT Specialty ⌊Berkshire Hathaway logo⌉⌊Berkshire Hathaway logo⌉Berkshire Hathaway ⌊biBERK logo⌉⌊biBERK logo⌉biBERK ⌊ISC logo⌉⌊ISC logo⌉ISC ⌊USLI logo⌉⌊USLI logo⌉USLI ⌊Coterie logo⌉⌊Coterie logo⌉Coterie ⌊Hiscox logo⌉⌊Hiscox logo⌉Hiscox ⌊ERGO NEXT logo⌉⌊ERGO NEXT logo⌉ERGO NEXT ⌊Foxquilt logo⌉⌊Foxquilt logo⌉Foxquilt Our Expertise ## Licensed & Insured Licensed insurance professionals, personalized coverage options, and support in states where we are authorized to operate. ![Parents and two children enjoying time on a sofa](https://legacybuildersamerica. com/wp-content/uploads/2026/10/lba-selected-life-family.jpg) ### Life Insurance Term Life, Whole Life, Indexed Universal Life (IUL), Final Expense, Mortgage Protection, Children’s Life, Business Life Insurance. [Learn more →](https://legacybuildersamerica.com/life-insurance/) ![Doctor examining an elderly woman](https://legacybuildersamerica.com/wp-content/ uploads/2026/10/lba-selected-health-care.jpg) ### Health Insurance ACA Marketplace, Private Health, Short-Term Medical, Dental & Vision, Supplemental Coverage, Small Group Health Plans. [Learn more →](https://legacybuildersamerica.com/health-insurance/) ![Family sitting together at the back of their car](https://legacybuildersamerica. com/wp-content/uploads/2026/10/lba-selected-auto-family.jpg) Property Insurance ### Auto Insurance Coverage for your vehicles, liability and optional protection. Explore personal umbrella insurance alongside auto coverage. [Learn more →](https://legacybuildersamerica.com/auto-insurance/) ![Black family sitting outside their home](https://legacybuildersamerica.com/wp- content/uploads/2026/10/lba-home-scaled.jpg) Property Insurance ### Home Insurance Homeowners, condo and renters options, with personal umbrella protection to discuss. [Learn more →](https://legacybuildersamerica.com/home-insurance/) ![Black woman standing inside her plant shop](https://legacybuildersamerica.com/ wp-content/uploads/2026/10/lba-selected-business-owner.jpg) ### Commercial & Business General Liability, BOP, Commercial Property, Builders Risk / Contractors Insurance, Professional Liability, Workers’ Compensation, Business Interruption. [Learn more →](https://legacybuildersamerica.com/commercial-business-insurance/) ![Several semi trucks parked together](https://legacybuildersamerica.com/wp-content/ uploads/2026/10/lba-trucking-scaled.jpg) ### Trucking & Transportation Commercial Truck, Motor Truck Cargo, Bobtail, Non-Trucking Liability, Trailer Interchange, Physical Damage. [Learn more →](https://legacybuildersamerica.com/trucking-transportation-insurance/) ![Residential road covered by floodwater](https://legacybuildersamerica.com/wp-content/ uploads/2026/10/lba-flood-scaled.jpg) ### Specialty Insurance Flood and Jewelry are distinct specialty categories, alongside Builders Risk, Contractor and Cargo Insurance. [Learn more →](https://legacybuildersamerica.com/specialty-insurance/) ![Robotic arms assembling a vehicle in an automated automotive factory](https:// legacybuildersamerica.com/wp-content/uploads/2026/10/lba-technology-auto-factory. jpg) ### Technology & Quoting Start a request online, learn how quoting works and work with an agent to review the next steps. [Learn more →](https://legacybuildersamerica.com/technology-quoting/) ![Woman in a black blazer working on a laptop](https://legacybuildersamerica.com/ wp-content/uploads/2026/10/lba-selected-agent-partnership.jpg) ### Agent Partnership Licensed and new agents welcome. Competitive compensation, training, CRM access, leadership development, nationwide licensing support. [Learn more →](https://legacybuildersamerica.com/agent-partnership/) How it works ## Compare coverage. Choose with confidence. _1_ ### Tell us what you need _2_ ### We compare available coverage options from multiple insurance carriers. _3_ ### Review your options and choose a policy _4_ ### We’ll help with the next steps after your policy is issued The Legacy Protection Lab ## Understand your options. Choose with confidence. Find simple definitions, practical examples and four-question quizzes. Explore coverage at your pace, then ask an agent about your situation. [Explore & Learn](https://legacybuildersamerica.com/blog/) Test Your Knowledge. Discover Your Risks. Protect Your Legacy. Why choose us ## Insurance can help protect the people and things you have worked hard to build. “At the young age of 19, I was fortunate enough to start working in the insurance industry. Coming from a minority community, I realized one thing, most people didn’t have an active insurance policy or even knew the meaning of insurance. As a result, I founded Legacy Builders Insurance Agency in Miami, FL. Our goal is to assist 1 million families to secure insurance coverage while providing financial literacy and building meaningful friendships.” * ✔ **Ask us about availability in your state.** Nationwide support for families and businesses. * ✔ **Independent agency, multiple insurance carriers.** Competitive rates and easy comparisons. * ✔ **Personalized coverage** with clear explanations of policy limits and exclusions. * ✔ **Advanced technology.** Online requests and agent guidance through the application process. * ✔ **Education-driven and community-focused.** Integrity, Excellence, Education, Service, Legacy. What Our Clients Are Saying ## ★★★★★ 5.0 on Google · 󠀁[600+ reviews](https://g.page/r/CQcsv5DwiI-vEAE/review)󠁿 ★★★★★ “If you’re looking for someone who genuinely cares, ask for Ruthie! She went above and beyond to help me find the right insurance coverage at a great price. The process was quick, easy, and hassle-free. Excellent communication and outstanding service. Thank you again!” **Marie Thomas** Google review ★★★★★ “My husband and I have been a client of Ruth for 15+ years. Throughout this time our insurance needs are continously meet with diligence, ease, efficiency, and warmth. She is always available to answer our questions, support us through claims, and offers insight on policies and quotes.” **Kathia Jeanmarie** Google review ★★★★★ “I had an excellent experience with Legacy Builders insurance company. Ruth and her lovely team was professional, patient, and very clear in explaining. Ruth truly took the time to understand my needs for my brother and choose the right coverage without any pressure. Customer service is responsive, trustworthy, and genuinely caring. I highly recommend this company to anyone looking for reliable and stress free insurance services. Thank you again for everything!” **Je Metoyer** Google review ★★★★★ “Ruthie & Jhoune are great. They helped our business get commercial auto insurance for a great price. They are patient and kind. Handled all of our needs quickly and professionally.” **Michelle Paniagua** Google review ★★★★★ “Legacy Builders truly lives up to their name. The team is knowledgeable, patient, and takes the time to explain every detail so you can make confident decisions. Their customer service is excellent and they genuinely care about helping families build long-term security. Highly recommend.” **Ivellie “Ivy” St Jacques** Google review ★★★★★ “I switched from Geico I saved so much money. You won’t regret they give the best insurance rate. And Ruthie is the queen of insurance” **Jacnel Dauphin** Google review ★★★★★ “Ruthie is an all star! Whenever we call her she is readily available and always delivers the best quotes for our mortgage insurance. She is truly the best! Thanks Ruthie.” **Belinda Merrin** Google review ★★★★★ “Trucking insurance they helped me I am an over the road driver and the prior insurance was killing me they helped me save 1000s. I recommend to any truck drivers” **Emmanuel Joseph** Google review ★★★★★ “Legacy Builder is an amazing insurance agency. My husband and I have had the pleasure of being clients with them for the past two years and continue in 2025. They are very professional. Their customer service is excellent. They make us feel at home whenever we visit to inquire about our options for health insurance. They always find the best option that is suitable for both of us. I highly recommend Legacy Builders. Kind, respectful, patient, etc.” **Karen Anderson** Google review ★★★★★ “They are straightforward and very affordable. Best trucking insurance” **Leonel Ambrose** Google review ★★★★★ “Ruth was nothing but amazing! Her professionalism and communication was exceptional. She truly cares for her clients and finds the best for them. I highly recommend her for all insurance purposes! Thank you Ruth” **Shamii Cesar** Google review ★★★★★ “Amazing team. Explains everything well. I am a very loyal client.” **Nash J.** Google review ★★★★★ “Went from paying 218 to 104. They are great. Check them out” **Jean Pierre** Google review Questions ## Frequently asked questions What does an independent insurance agency do? An independent agency works with more than one insurer. We can compare options available through our carrier relationships and help you review coverage, limits, exclusions and price. We do not represent every insurer or offer every product in every state. Does it cost anything to get a quote? We provide quotes and policy reviews at no charge, with no obligation to buy. If a fee applies to a particular policy or service, we will explain it before you decide. How fast can my coverage start? The start date depends on the policy and insurer. Coverage begins only after the insurer confirms approval and the effective date; some plans also require the first premium. We will confirm the start date before you cancel any existing policy. Which states are you licensed in? Legacy Builders Insurance Agency serves clients in Florida and other states where our agents hold the required licenses and appointments. Licensing and product availability vary by insurance type, carrier, and state. Contact our team to confirm the coverage options available in your location. What types of insurance do you offer? We can help you explore life, health, auto, home, renters, flood, commercial, trucking and specialty insurance. Products and carriers vary by state and eligibility. Can I switch from my current insurance company? You can usually switch insurers, but do not cancel your current policy until the new insurer confirms approval and the effective date. Check your current policy for cancellation terms or fees. We can help coordinate the change. What should I do after an accident? Check for injuries, call 911 if needed, and move to safety if you can. Exchange names, contact and insurance information; note witnesses and take photos if it is safe. Report the crash to your insurer promptly and follow its instructions. Do not admit fault at the scene. Contact us if you need help understanding your policy. ## Prefer to talk to a person? Call, text or book time with Ruthie and get honest answers about your coverage. [Call (305) 749-6303](https://legacybuildersamerica.com/+13057496303) Visit us ## Our Miami Gardens office ### Legacy Builders Insurance Agency **Address:** [19545 NW 2nd Ave, Miami Gardens, FL 33169](https://www.google.com/maps/search/?api=1&query=19545+NW+2nd+Ave+Miami+Gardens+FL+33169) **Phone:** [(305) 749-6303](https://legacybuildersamerica.com/+13057496303) **Email:** [info@legacybuildersamerica.com](https://legacybuildersamerica.com/info@legacybuildersamerica.com) **Hours:** Mon–Fri 9:00 AM–5:00 PM · Sat–Sun Closed [Get directions](https://www.google.com/maps/search/?api=1&query=19545+NW+2nd+Ave+Miami+Gardens+FL+33169) ## Legacy Builders Insurance Agency Agent Partnership Licensed and new agents welcome. Competitive compensation, training, CRM access, leadership development and nationwide licensing support. [Become a Partner](https://legacybuildersamerica.com/agent-partnership/) ## Get in Touch Have a coverage question or need help with your policy? Call our team during business hours. **[(305) 749-6303](https://legacybuildersamerica.com/+13057496303)** ## Contact us We'll get back to you during business hours. First name * Last name Email * Phone Coverage type Message I agree to be contacted by Legacy Builders Insurance Agency about my request. * Submitting a request does not bind, change or guarantee insurance. Wait for confirmation from a licensed agency representative. Share only information needed for your request. [Privacy Notice](https://legacybuildersamerica.com/privacy-policy/). #### Legacy Builders Insurance Agency An independent insurance agency committed to protecting families, entrepreneurs, and businesses through customized insurance solutions. #### Insurance [All Insurance Types](https://legacybuildersamerica.com/all-insurance/)[Property — Home & Auto](https://legacybuildersamerica.com/personal-property-insurance/) [Auto](https://legacybuildersamerica.com/auto-insurance/)[Home](https://legacybuildersamerica.com/home-insurance/) [Life](https://legacybuildersamerica.com/life-insurance/)[Health](https://legacybuildersamerica.com/health-insurance/) [Commercial & Business](https://legacybuildersamerica.com/commercial-business-insurance/) [Trucking](https://legacybuildersamerica.com/trucking-transportation-insurance/) [Specialty](https://legacybuildersamerica.com/specialty-insurance/) #### Company [About Us](https://legacybuildersamerica.com/about-us/)[Learning Center](https://legacybuildersamerica.com/blog/) [Reviews](https://legacybuildersamerica.com/#reviews)[Agent Partnership](https://legacybuildersamerica.com/agent-partnership/) [Contact](https://legacybuildersamerica.com/contact-us/)[Client Center](https://legacybuildersamerica.com/client-center/) [Refer a Friend](https://legacybuildersamerica.com/refer-a-friend/) #### Contact [(305) 749-6303](https://legacybuildersamerica.com/+13057496303)[info@legacybuildersamerica.com](https://legacybuildersamerica.com/info@legacybuildersamerica.com) [19545 NW 2nd Ave](https://www.google.com/maps/search/?api=1&query=19545+NW+2nd+Ave+Miami+Gardens+FL+33169) Miami Gardens, FL 33169 Legacy Builders of North America LLC, DBA Legacy Builders Insurance Agency, is an independent insurance agency. Products depend on state licensing, insurer appointments, eligibility, underwriting and policy terms. A website inquiry does not bind or change coverage. © 2026 Legacy Builders Insurance Agency. All rights reserved.  ·  [Privacy Notice](https://legacybuildersamerica.com/privacy-policy/)· [Terms of Use](https://legacybuildersamerica.com/terms-of-use/)  ·  [Licensing & Coverage Disclosures](https://legacybuildersamerica.com/licensing-disclaimer/)· [Accessibility](https://legacybuildersamerica.com/accessibility-statement/)