Heritage Property & Casualty Insurance

Heritage is committed to providing homeowners with the highest quality property insurance along with some of the most competitive rates in Florida. The management team at Heritage has over 500 years of combined experience in the Florida homeowners insurance market.

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What's covered?

Dwelling Coverage

This part of your policy pays for the rebuilding or repair of your home’s physical structure.

Other Structures

Any structure not attached to your home would be covered under this part of the policy.

Personal Property

This part of your policy protects your certain personal processions that are owned or used by the residents.

Loss of Use

This covers the extra expenses you would endure if damage to your home prevents you from living in it.

Personal Liability

This part of your policy pays for the rebuilding or repair of your home’s physical structure.

Medical Payments

This part of your policy pays for the rebuilding or repair of your home’s physical structure.

More policy options available

Animal Liability
Extend your coverage to the furry members of your family.
Equipment Breakdown Coverage
Keep your business alive by insuring the important equipment.
Golf Cart Coverage
All vehicles are risky. Cover even your smaller motors.
Home Computer Coverage
A soggy computer is of no use. Get back online fast.
Identity Theft Coverage
Florida ranks No. 2 in the U.S. for identity theft. Let's fix that.
Increased Law and Ordinance
Laws change constantly. Be sure you’re always compliant.
Increased amount of Dwelling coverage
Solidify protection for your most valuable asset.
Jewelry and Furs
Diamonds are forever, but with proper insurance coverage.
Loss Assessment
Avoid paying out-of-pocket for losses that exceed limits.
Mini Farm Coverage
Whether it’s a hobby or small business, protect your farm with adequate coverage.
Mold Liability
Mold makes you sick. Put health high on the priority list.
Permitted Incidental Occupancy
Bringing work home? Protect yourself and your business.
Personal Injury Coverage
Stay financially protected for the times when it is your fault.
Personal Property Replacement Cost
Don’t risk it. Ensure your valuables can be fully replaced.
Screened Enclosure, Carport and Awning
Protect the parts of your home most susceptible to wind damage.
Silverware Increased Limits
Some items are extremely valuable. Insure your prized flatware.
Sinkhole Loss Coverage
Florida is prone to sinkholes. Protect your home from tragedy.
Water Back-up and Sump Overflow
Backed up drains? We've got your back for water damage.
Water Damage Exclusion
Confident in your pipes? Save by excluding water coverage.

Find the right coverage

One size doesn’t fit all. With us, you can choose the level of coverage that best matches your needs.
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Package Upgrades

Personal Property Replacement
Money
Securities
Jewelry, Watches & Furs
Silverware, Goldware & Pewterware
Business Property On Premises
Business Property Off Premises
Electronic Apparatus in Motor Vehicle
Personal Computers and Peripherals
Credit Card Forgery
Loss Assessment
Increased Personal Property
Refrigerated Property
Lock Replacement
Water Backup
Loss of Use extended
Personal Injury Liability
Property Damage of Others
Service Line Coverage
Basic
Optional
$200
$1,000
$1,000
$2,500
$2,500
$250
$1,000
$2,500
$500
$1,000
$2,500
$500
$500
$500
$500
$500
$500
$500
Pillar Package
Feature
$300
$1,500
$2,500
$3,500
$3,500
$500
$2,500
$5,000
$2,500
$5,000
$5,000
$500
$500
$500
$500
$500
$500
$500
Pillar Plus Package
Feature
$500
$2,000
$5,000
$5,000
$10,000
$1,000
$5,000
$10,000
$5,000
$10,000
$10,000
$500
$500
$5,000
$5,000
$5,000
$5,000
$5,000