Heritage Insurance Products

Homeowners Insurance Policy-HO3 

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 homeowners HO3 policy.

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

  • Personal liability coverage and medical payments to others
  • Loss of use of your home during a claim while it is being reasonably repaired
  • Personal Property and valuables
  • Coverage for other structures

We also have additional coverage options available such as increased limits on jewelry, replacement cost on personal property, dog liability, identity theft, and personal injury.

Condo Insurance Policy-HO6 

Condominium association policies typically cover common areas only. A Heritage Property and Casualty’s HO6 policy provides coverage for a condo unit occupied by the owner or a tenant and its valued contents. An HO6 condo policy offers significant protection, including:

  • Personal liability coverage and medical payments to others
  • Loss assessments
  • Contents and permanently attached building items inside the condo unit

Additional coverage options are available such as replacement cost on personal property, identity theft, and dog liability.

Dwelling Insurance Policy-DP3 

Dwelling fire policies are intended for landlords to insure single-family or duplex homes that are rented and not vacant. A DP3 Dwelling policy provides coverage that you can count on, including:

  • Loss of rents
  • Other structures
  • Personal liability and medical payments to others

We also have optional coverage such as ordinance and law, replacement cost on personal property, and theft.

Commercial Residential Insurance

Commercial Residential policies are intended for Property Owners, Board of Directors and Property Managers in condominium, apartment and other communities.  We offer a suite of products and coverage options that are competitively priced for the following:

  • Condominium Association
  • Homeowner Association
  • Continuing Care Retirement Communities
  • Apartment Complexes

Your insurance agent can help you define the amount of coverage and options appropriate to your individual situation.



We are proud of our partnership with independent agents who are highly trained professionals focused on customer satisfaction and attention to detail.

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