Homeowners Insurance

Upscale 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 homeowners insurance policy (HO3).

Your home is one of the largest investments you might ever own, and Heritage Property and Casualty is committed to ensuring the safety and stability of your property. Our leadership team brings a combined experience of over 500 years of service, and we offer a wide variety of products to safeguard the things that matter to you. Our home insurance policy (HO3) is by far the best way to protect what is typically your largest investment.

A homeowners insurance (HO3) policy provides insurance coverage for single-family, townhouse, and duplex homes that are owner occupied. Our HO3 product provides coverage in the event of an unforeseen circumstance, including damage from fire, lightning, wind, or theft. Additionally, it also provides coverage for the following:


Personal Liability Coverage and Medical Payments to Others

Homeowners Insurance (HO3) Personal liability coverage Personal liability insurance is like a safety net for you and everything that happens inside of your home. What if a friend or family member is staying with you and gets injured? You may be held liable for damages and medical payments unless you have personal liability coverage. Accidents caused by yourself or a family member who lives with you might also require compensation, even if the incident occurred away from your primary dwelling. Personal liability covers not only your legal defense and damages if you are sued up to the limit of coverage, but also any medical payments if necessary.

Loss of Use of your Home during a Claim while your Home is Repaired

Homeowners Insurance (HO3) Additional Living Expense (ALE) 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 repaired after being damaged by a fire, windstorm, or other another covered disaster. Other charges such as moving costs and storage fees may also be included. This coverage relieves some of the stress that comes with home damage, and ensures you will have food and lodging during the length of time it takes to repair your home. An additional living expense policy also takes into consideration any loss of income if you were being paid rent by a tenant who has now also been misplaced.

Personal Property and Valuables

Homeowners Insurance (HO3) Insurance Coverage for Other Structures Personal property coverage allows for the Actual Cash Value payment for clothing, household furnishings, and other personal property, up to specified limits, in the event of a covered disaster such as a fire or a tornado. If damage to your home were to occur and all of your belongings needed to be replaced, it would cost far more than you might think. Personal property coverage can help make the rebuilding process a little bit easier in the event of a major incident. 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 homeowners insurance policy (H03) provides coverage for other structures on your property that might not be part of your primary dwelling, but would still incur an expense to replace if they sustained damage. Items including barns, sheds, or even patios can all be covered under your policy. This coverage must be on your policy, and additional coverage is also available for more complex structures like a pool house or guest house.


Always Contact your Heritage Insurance Agent

Contact your insurance agent to determine the levels of coverage that are right for you and to learn more about our homeowners insurance (HO3) policy. Your home is often your most valuable asset, and your agent can help you determine the estimated replacement value of your home and its contents should a disaster strike. Our goal is to provide you with the information you need to secure a policy that’s right for you and your family. No one should feel alone if something happens to their property, so be sure to call us right away. If you need to report a claim, we will be there for you 24 hours a day, seven 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 homeowner’s insurance policy.