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Heritage Property and Casualty Insurance Company

Heritage Property and Casualty Insurance Company is a publicly traded company. It is listed as Heritage Insurance Holdings, Inc. on the NYSE (New York Stock Exchange). It offers insurance for homeowners, rental properties, condominiums, commercial residential properties, artisan contractors, equipment and identity theft. The management team of the company has a combined experience of more than five hundred years.


History of Heritage Property and Casualty Insurance Company


Heritage was founded in 2012. It is a subsidiary of Heritage Insurance Holdings. It is based in Clearwater, Florida. The corporate headquarters of the company is at Suite 300, 2600 McCormick Drive, Clearwater, FL 33759. Its phone and fax numbers are 855-620-9978 and 866-929-4530 respectively. The insurer has policies for single-family dwellings, duplexes, and townhouses. There are customizable policies for condominiums, rental properties, and commercial residential complexes.


Bruce Thomas Lucas is the current chairman and chief executive officer of Heritage Insurance. Richard Alexander Widdicombe is the president, Steven Charles Martindale is the chief financial officer, Ernesto Jose Garateix is the chief operating officer and director, Timothy Andrew Paddock is the chief actuary. The insurer has a vast network of agents across the state of Florida. It has a customer service department that is accessible round the clock throughout the year. The company has executives who have operated in the state insurance market for decades. The management has firsthand knowledge and experience of dealing with the known perils across the state. The firm has a history of quickly settling claims, either big or small, and has been helping families to resume their normal lives as soon as possible.


Heritage has some of the most competitive rates for homeowners insurance. There are independent agents who have decades of experience in the industry. The company also has in-house experts who can help homeowners find the best policy given their needs. Heritage makes an attempt to work closely with their agents so the insured gets the most suitable policy and has no problems while filing claims and subsequently getting the coverage assured.


Policyholders in Florida can call the toll free number 1 (855) 620-9978. Residents in other states can call on 1 (855) 536-2744. The insurer has a different toll free number for claims. Policyholders should report damages and file for claims by calling 1-855-415-7120. The claims department is also accessible twenty-four hours a day through all seven days a week. The company has a Platinum Preferred Savings Program. The members of this program can access the special Platinum Preferred Claims Hotline. The number is 1-855-474-6526. Heritage has a statewide presence in Florida. Another major state where it operates is North Carolina.


Products of Heritage Property & Casualty Insurance Company


Heritage offers HO-3 insurance for homeowners in Florida. There are HO-6 policies and DP3 for coverage against fire damage in residential dwellings. The HO-3 homeowners insurance policy is for single-family dwellings, duplexes, and townhouses. These homes should be occupied by the owners. These are basically primary residences of the owners that are occupied throughout the year. This type of policy provides coverage for most known perils including fire, theft, lightning, medical expenses, personal liability, additional living expense, and some valuables. Expensive personal items should be insured in addition to the standard coverage. Cost of repairs, loss of use of a house and other such circumstances in the aftermath of any kind of damage are also covered by HO-3 policies.


HO-6 policies of Heritage are for condominiums. Condominium associations can have sufficient coverage for common areas. A typical HO-6 policy has coverage for condominium units that are presently occupied by owners or tenants. The valued contents inside the condo are also covered. Standard coverage assured by HO-6 policies include medical expenses, personal liability, assessment of loss, damage caused to permanently attached items in the building or inside a condo and additional coverage is available for identity theft, personal property, dog liability, and replacement cost.


DP-3 dwelling insurance policy of Heritage offers coverage against fire. Both homeowners and landlords or owners of rental properties can opt for such a policy. Properties including condos should be presently occupied for such a policy. The DP-3 policy has standard coverage that includes loss of rent, the cost to repair or replace integrated structures, medical payments, and personal liability. There is optional coverage which is in addition to the standard coverage. Optional coverage includes loss of personal property, the replacement cost of such valuables, protection against theft and compensation for legal processes.


Heritage has commercial residential insurance policies. These are for property managers, owners of residential buildings, condominium associations and board of directors. Communities and associations of owners may also opt for such policies. There are different policies for associations of condominium owners, homeowners, continuing care retirement communities, apartment complexes, and other commercial residential properties. Associations can explore a plethora of policy options to choose the most suitable coverage. Every individual requirement can be assessed and addressed with customized policies from Heritage Property and Casualty Insurance Company.


Heritage is a reliable brand in the state of Florida. Its independent agents are well trained and knowledgeable. The company works closely with its agents. There is a standard procedure for homeowners to find the most relevant insurance for their properties. Every type of policy that Heritage deals can be customized. The customization is not limited to standard and optional or additional coverage. There are different types of exemptions available. The deductibles do vary from property to property. The deductibles determine the type and quantum of discounts an insured can secure at the time of signing up for a policy.


Heritage Property and Casualty Insurance Company has an expedited approach to deal with claims. It has a simple reporting system wherein policyholders can immediately notify the insurer. The adjusters or underwriters work with the policyholders to understand the cause and extent of the damage. There is coverage for loss assessments as well. This ensures policyholders can easily get the damage inspected and the loss of value assessed. This further simplifies the settlement of claims.

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