If someone else owns your home, whether it’s a house or an apartment, carrying renters insurance is a good idea. It gives you financial protection against a number of risks you can’t control. Renters insurance is important because your landlord’s property insurance doesn’t protect your personal possessions or your personal liability. It also doesn’t pay […]
Welcome to American Heritage Insurance Group! We are an independent insurance agency representing over 20 different insurance companies. Our products and services include insurance for your Home, Automobile, Farm and Business. We also offer insurance products in a wide variety of other areas including Classic Cars, Boats, Motorcycles, Vacant Properties, Flood, Directors and Officers, Professional Liability, Surety Bonds, Non-Profits, Builders Risk, Trucking, and Workers’ Compensation.
Our associates who work with current and prospective clients are licensed and trained in the various areas of Property and Casualty Insurance. They collectively have dozens of years of experience with the insurance companies we represent and the products they offer. We also commit ourselves to continuing education so we are more knowledgeable and current on the situations we address.
At American Heritage, we take seriously the responsibility of protecting the people and the assets you treasure most. That is why we commit to using our knowledge and experience to analyze each situation individually and using our access to multiple companies to deliver the right coverage for the best price.
We'll analyze your needs and compare proposals to find the best coverage at an affordable price. We listen. We Understand. No worries. Let us take care of it for you.
5 tips for first-time car insurance buyers
Whether you’re buying your first car or simply moving off your parents’ insurance for the first time, you might have some questions about getting your own car insurance. First, there’s the financial side of it, from figuring out what a fair price is to choosing coverages, limits, and deductibles that best fit your needs and […]
Life Insurance Favors Young Adults, But They Have Hesitations
Young adults have an upper hand when buying life insurance — they typically qualify for low-cost coverage due to their long life expectancies. But despite this advantage, a new survey by NerdWallet shows that younger generations are more likely than their elders to have hesitations about buying coverage. Sarah Fitch, a 23-year-old communication specialist in Ohio, finds […]
Understanding Condo Insurance and Co-op Insurance
The Essential Information You Need to Buy the Best Condo Insurance Do you own a condominium (condo) or co-operative apartment (co-op) or are you thinking of buying one? Insurance for co-ops and condos is a lot more complicated than homeowner insurance. A lot of people invest in condos without understanding the full implication of their responsibility, or they […]
Your homeowners policy may address your condo special assessment. But don’t expect coverage in all cases.
Q: You recently wrote a column about condominium building’s reserve funds. You failed to mention that condo special assessments are an insurable risk. I just increased my coverage from a limit of $1,000 to $50,000 for an extra $10 per year. You should mention this to your readers. A: Thanks for bringing this up. You are […]
Insuring a co-op or condo
Because co-op and condominium owners share their building structures, two policies—a master policy and an individual policy—are required to fully protect all parties involved. Learn more about insuring a co-op or condo. If you are purchasing a condo or co-op, the bank will require insurance to protect its investment in your home, and your co-op […]
Insurance Facts for Condo Owners
While condominium units belong completely to their owners from their unit walls inward, their exteriors are usually communally owned. Condominium communities feature joint ownership of building exteriors, roads and other common areas by all unit owner-members of those communities. Because condo units share aspects of their legal ownership with other parties, their insurance requirements differ […]
What Is Condo Insurance?
If you own a condominium, co-op, or townhouse unit, you may need to buy a condo insurance policy. Much like homeowners insurance, condo insurance can protect your dwelling, furniture, clothing, and valuables in the event of a covered peril or hazard. It can also protect your assets from liability claims and pay for temporary housing […]
Home-Based Business Insurance Explained
With millions of Americans losing work this year, it’s not surprising that home-based business startups are gaining popularity. About one in five homeowners reported they had launched a home-based business in the last six months, according to a recent online poll conducted by The Harris Poll on behalf of The Hanover Insurance Group. While starting […]
What Type of Insurance Does Your Home Business Need?
For many small business owners, working from home is a dream come true. However, this is a dream that comes with its own set of sometimes-unexpected problems and considerations. As an entrepreneur, some challenges – like needing to efficiently manage your own time and wear multiple hats – are probably already on your radar. What […]
Home-Based Business Insurance: Who Needs It?
If you own a home-based business or you’re thinking of starting one, you’re in good company. According to SBA statistics, Americans own about 28.8 million small businesses—and half of them are at-home businesses. The most common types of home-based businesses include information, construction, and professional service firms. But today’s entrepreneurs are getting creative, turning some serious […]
Does Your Home-Based Business Need Business Insurance?
If you’re one of the growing number of entrepreneurs with a home-based business, you may have pondered getting business insurance. But it’s not just a case of whether or not to get insured, but what kind of insurance to get. These days, many successful entrepreneurs and small business owners operate their businesses from the comfort […]
Everything You Need to Know About Special Events Insurance for Your Wedding
We’re certain that purchasing wedding insurance wasn’t one of the first things on your to-do list after you got engaged—after all, it’s not the most romantic of subjects. However, if there’s anything we’ve learned over the years, it’s to expect the unexpected. Putting on an event of this scale is not only a financial investment but […]
Special Event Insurance for Nonprofit Organizations
Many nonprofit organizations (NPOs) rely on events to raise money. But great events come with great responsibilities, and possible liabilities. Whether your nonprofit holds an awareness walk, a fundraising dinner, or a community concert, risks are always present. If your nonprofit organization regularly holds special events, it’s important to manage the potential perils that could financially impact […]
5 Reasons Why Travel Insurance Is a Must
If you’re like us, here’s how you prepare for a big trip: You pack way too much, realize your suitcase won’t close, then start taking stuff out. The snorkel gear, the sarong, that second jacket… you don’t really need those. But there is one thing you definitely, absolutely need to pack: Travel insurance. A lot of people […]
A Complete Guide To The Best Special Event Insurance
There are many different types of events—everything from weddings to parties to conventions and corporate meetings. They generally can take months of planning and cost a lot of money. While everyone hopes their event is flawless, event planning is complicated and there are many things that can go wrong. Having comprehensive special event insurance can help protect you financially in situations where things go south. What is Special Event Insurance? Special event […]
These 5 Wedding Insurance Policies Top Our List
Of all of the things you need to purchase for your big day, most wedding professionals will tell you that wedding insurance is at the top of their list. While wedding insurance comes in several forms, the overall concept is that it protects the host against any financial issues that could arise from extenuating circumstances. But […]
RV Insurance: Everything You Need to Know About Insuring Your RV
Owning an RV is an exciting thing that opens up your world to endless possibilities for adventure. As tempting as it can be to hit the road right away, it’s important to make sure you’re adequately protecting yourself and your investment from the hefty price tag that can come from an accident. That’s right— we’re […]
Importance of Motorcycle Insurance and What Coverage You Need
Motorcycle accidents can cause very serious injuries to motorcyclists. Unfortunately, many bikers learn that they lack adequate coverage after they are seriously hurt in an accident. By being aware of the importance of this insurance and by taking steps to acquire the necessary coverage, motorcyclists may be able to avoid some of the tragic consequences […]
The Basics of Boat Insurance
If you have a boat, you know nothing is like the warm sun and cool breeze on the water. You probably cherish the memories you make out on the water, which makes it all the more reason to protect your boat with the right insurance. Purchasing boat insurance can give you and your passengers peace […]