Homeowners InsuranceUpscale Suburban Tropical Home

Heritage Property and Casualty Insurance is committed to insuring one of your largest investments, your home. The best way to protect it is through a Florida homeowners insurance policy (HO3).

A Florida homeowners insurance (HO3) policy provides insurance for single-family, townhouse or duplex homes that are owner occupied. Our HO3 product provides insurance related to various perils, such as fire, lightning, wind and theft. It also provides coverage for the following:

Personal liability coverage and medical payments to others

Personal liability provides coverage for property damage and bodily injury to others for which you are legally responsible. You may be held responsible for damages and medical payments if a guest in your home is injured from a fall or other mishap. You may also be held responsible for accidents away from your property caused by you or family members who live with you. Personal liability covers legal defense and damages if you are sued up to the limit of liability as well as any medical payments if necessary.

Loss of use of your home during a claim while it is being reasonably repaired

Loss of use coverage, often referred to as Additional Living Expense (ALE), provides living expenses such as temporary housing and meal allowances while your home is being repaired after being damaged by fire, windstorm or other covered disaster. Other expenses such as moving costs and storage fees may also be covered. This coverage ensures you will have food and lodgings during the length of time it takes to repair your home.

Personal Property and valuables

Personal property coverage allows for actual cash value replacement of clothing, household furnishings and other personal property up to specified limits in the event of a covered disaster such as fire or a tornado. We also have additional coverage options available such as increased limits on jewelry and fine art as well as a replacement cost option on personal property.

Insurance Coverage for Other Structures

Your Heritage Florida homeowners insurance policy (H03) provides coverage for other structures on your property such as a free-standing garage or garden shed.  Additional coverage can be added for more expensive structures such as a pool house. 


Contact your insurance agent to determine the levels of coverage that are right for you and to learn more about our Florida homeowners insurance (HO3) policy. Your home is often your most valuable asset and your agent can help you determine the estimated cost to replace your home and its contents should disaster strike. This will provide you with the information you need to secure a policy that’s right for you and your family. If you should need to report a claim, we’ll be there for you 24 hours a day, 7 days a week to process your claim quickly and efficiently.

This information is provided to you as an overview of our products and services. Consult your insurance agent to understand all of the provisions, limitations and exclusions that are part of a standard homeowners insurance policy.