Personal Insurance
 Heritage Insurance House's Personal Insurance products
provide our customers with protection for their homes,
automobiles and personal possessions, along with personal
liability coverages.
How we serve you is as important as what we provide.
First, we listen to you... we discuss your needs and
answer your questions. Next, we look at both your short-term
and long-term objectives and help put your insurance
and planning needs in perspective.
Heritage Insurance House provides the following types
of personal insurance protection:
Auto (Personal)
This coverage has two parts. The first is the liability
section of the policy. It covers your financial responsibility
for injuring others and some coverage is required by
most states.
The second part covers the car itself: comprehensive
coverage reimburses losses from fire, theft or other
perils; collision coverage pays to repair losses caused
by an accident. Often this coverage is mandated by
leasing companies or banks. There are also ancillary
medical, car rental and other coverages which vary
by state.
Utilizing high deductibles on the physical damage coverages
can help reduce premiums. If you carry umbrella insurance,
you must be sure that you carry the required amount
of basic liability insurance to avoid a gap in coverage
for a serious accident.
Auto Insurance Quote
Boat / Marine
Boat or Marine insurance is available for small boats,
yachts, high performance powerboats, live-aboard houseboats,
catamarans, or pontoons. Marine
insurance will cover intended use including personal
recreation, commercial, or charter vessels.
Boat policies can cover damage to your boat, motor,
trailer, and personal effects in the boat. Available
coverage includes liability, medical payments, injury
to a water skier and damage to the boat itself, sometime
called hull coverage. Availability varies by state
and by insurance company. Even though boat insurance
premiums are low, shopping your rate can sometimes
save a substantial amount.
Boat / Marine Insurance Quote
Condo
Condo insurance provides coverage for your unit where
your condominium associations insurance stops. Your
association typically insures the building and other
common areas. You are responsible for the interior
of your unit. Typically you need personal property
and liability coverage. In addition to coverage for
your floors, walls, cabinets and fixtures that your
associations insurance probably will not cover.
Every associations insurance policy is different regarding
what each unit owner is responsible for, so it is important
to review your association policy and condo by-laws
carefully.
Condo Insurance Quote Form
Flood
Did you know that your homeowners insurance does
not cover flood damage? Insurance against flood must
be separately obtained. A flood insurance policy also
reimburses you for the work that you and other family
members did to sandbag your homes, move furniture and
remove debris.
FEMA's maps are important when it comes to flood insurance
because if they show that your home sits in a 100-year
flood plain, you must buy federal flood insurance in
order to get a mortgage. If you live outside a high-risk
zone, or if you no longer have a mortgage, flood insurance
is optional.
Flood Insurance Quote Form
Homeowners
If you have tangible assets, you need the protection
of a homeowner’s policy. These policies cover
you in a home or an apartment, whether you are an owner
or a renter. A well-written homeowner's policy will
pay to replace any of your personal property that is
destroyed in a fire or other disaster. The policy will
also be your first line of defense against a lawsuit
from someone injured at your home.
The cost of this coverage is determined by many rating
factors. The quality of the coverage, however, is determined
by the quality of the insurer and whether the policy
is written on a named perils or all-risk basis. A named-perils
policy covers only those losses specifically cited
in the contract. The all-risk policy works the opposite
way -- unless a peril is specifically excluded, coverage
is provided. The all-risk policy is broader and the
burden of proof is on the carrier not you in the event
of a loss.
Homeowners Insurance
Quote
Motorcycles
Whether you’re an enthusiast or a first-timer,
having fun, being responsible and being safe is what
it’s all about. Being responsible includes finding
the right insurance.
Motorcycle insurance is a way of sharing the risks
of driving between you and your insurance company.
The way it works is simple. You pay a set premium to
an insurance company for coverage. In return, the company
promises to pay for specific financial losses that
might occur during the term of the policy.
Most people rely on motorcycle insurance to protect
themselves against loss in case of an accident. In
many states, you must carry basic insurance to cover
the cost of losses you cause to others in an accident.
If the unexpected happens, insurance gives you peace
of mind in knowing you are protected. We have a variety
of motorcycle policy options to meet your needs.
Motorcycle Insurance
Quote
Motor Home
As much as you expend efforts to purchase your dream
motor home, it is important to select appropriate motor
home insurance policy. Legally speaking, you are required
to have a certain minimum amount of coverage when you
have your motor home registered. However, there are
many insurance policies to ensure that your motor home
obtains maximum coverage and protection. It is important
to choose a policy that incorporates the recreational
value of your motor home and does not treat it as another
automobile.
Motor Home
Insurance Quote
Personal Umbrella
You don't have to be a millionaire to be sued like
one. Million-dollar judgments against individuals for
negligence are still relatively rare. However, receiving
a lawsuit with a million-dollar demand is more common.
If you receive such a court summons and you have only
$100,000 of coverage, you may lose a lot of sleep.
Umbrella policies offer inexpensive "peace of
mind"
for most types of negligence claims. Automobile accidents
are probably the most common source of serious claims.
This policy supplements your basic automobile liability
with extra million-dollar layers of protection. It
also covers other types of catastrophic claims such
as a neighbor's child drowning in your pool or the
delivery man being seriously injured by falling over
your child's toys.
Personal Watercraft
Personal watercraft, such as jet skis
and wave runners are often our customer's first step
into the boating world. Personal watercraft are extremely
invigorating and fun for water lovers of all ages;
however, they are not toys. Whether you are a first
time boater or experienced captain, it is important
that you have proper coverage for these vessels. Heritage
Insurance House has specific policies that are geared
specifically for your personal watercraft. Likewise,
because of our expertise in this area we also have
the ability to provide commercial marine insurance
for companies that rent personal watercraft.
Personal Watercraft Insurance Quote
Renters
As a renter, you need to protect your personal property
against theft and damage. Our renters insurance is
hard to beat for convenience and value. Plus, we'll
assure you the peace of mind you need for your valuable
items and electronics.
Renters Insurance Quote Form
Travel Insurance
When you travel abroad, one of the most important
financial considerations is how to protect you and
your family's health. Without proper coverage, an illness
or injury abroad can turn into a financial disaster.
Whether you are a corporate traveler, an international
student studying abroad, a family on vacation or reunion,
or an individual traveling abroad for work, pleasure,
or education, don't let your trip be ruined by an accident
or unexpected medical emergency. Traditional sources
of US private health insurance will not meet your needs.
Geographical exclusions and provider limitations common
to these policies will restrict or even eliminate the
coverage available to you while you are outside the
US. At the same time, you may not be eligible for participation
in the government-sponsored plans in the country where
you reside.
Travel Insurance
Quote Form
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