North Carolina Homeowners Are Looking for a Dependable Insurance Company

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 North Carolina homeowners insurance policy (HO3).

Homeowners in North Carolina just want to find a business they can trust to cover them in an emergency. Founded on pillars of strength and character, Heritage Property and Casualty Insurance will give you the peace of mind that your needs will be met during an incident. Our goal is to help homeowners from the Charlotte suburbs to Raleigh and Wilmington feel at ease with their most valuable asset, their home.

Exposed to various weather extremes, North Carolina faces danger from natural disasters like hurricanes and tornados nearly every year. These events can turn your life upside down in a moment’s notice, especially if you are not prepared. This is where home insurance comes in, giving you the peace of mind only a company like Heritage can provide. With its Platinum Preferred Savings program, products and policies offered by Heritage Property and Casualty Company are comprehensive and affordable. Unfortunately, it is not until you have an emergency that you appreciate the real value of their services.


Personal liability coverage and medical payments to others

Homeowners Insurance (HO3) Personal liability coverage Personal liability insurance provides coverage toward property damage and bodily injury to others, for which you are legally responsible. Believe it or not, if a guest in your home is injured from a fall or other mishap, you will be obligated to provide compensation. You may also be held responsible for accidents that happen away from your property which are caused by you or family members who live with you. Personal liability covers legal defense funds and damages if you are sued up to the limit of liability as well as any necessary medical payments. What could seem like a harmless accident might cost you more than you’d imagine, so having personal liability coverage is essential.

Loss of Use of your Home during a Claim

Homeowners Insurance (HO3) Additional Living Expense (ALE) Loss of use coverage, often referred to as Additional Living Expense (ALE), provides for living expenses including temporary housing and meal allowances while your home is being repaired after a natural disaster. Damage from wind, fire, or hurricanes are just some of the types of claims allowed under the ALE policy. Additional expenses such as moving costs, storage fees, and loss of income due to misplaced tenants may also be covered. This policy is essential; it eases your mind and ensures you will have food and lodging during the length of time it takes to repair your home.

Personal Property and Valuables

Homeowners Insurance (HO3) Insurance Coverage for Other Structures If you lost all of your personal belongings, it would be very expensive to replace everything. 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 fire or a tornado. Be sure to take a careful inventory of your belongings when acquiring this policy; it’s also recommended that you document certain high value items. Heritage also offers additional coverage options such as increased limits on jewelry, instruments, and fine art, as well as a replacement cost option on personal property.

Insurance Coverage for Other Structures

Your Heritage homeowners insurance policy (H03) also provides coverage for other structures on your NC property such as a free-standing garage or garden shed. Virtually any item, including a patio or retaining wall, could be eligible for coverage, as replacing these items could create a significant expense. Additional coverage can be added for more expensive structures such as a pool house.


Always Contact your Heritage North Carolina Insurance Agent

Contact your insurance agent to determine the levels of coverage that are right for you and to learn more about our NC 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. If a natural disaster strikes, you’ll be equipped with the information you need to utilize your policy and seek assistance for your family. If you should 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. Heritage Property and Casualty has a long history of compassionate customer service and can be trusted to meet your every need.

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.

Contact Us