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 […]
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 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 […]
If You Own or Rent an RV, You Need Insurance. Here’s Everything You Should Know About It
If you love to travel, you may be thinking of joining the millions of Americans who own an RV—and the many more who rent one occasionally. And if you want to live a nomadic lifestyle, you might be considering swapping your house or apartment for a home on wheels. In either case, you will need insurance. […]
2021 Natural Catastrophe Losses From Major Events Reached $56.92B – Here’s Why
When a natural catastrophe hits a community, there can be significant long-term impacts. When a large portion of the local population leaves the area during the rebuild process, local economies struggle, contributing to job displacement and the destruction of real estate and other assets. And even after reconstruction efforts are completed, the financial and social […]
Roof Inspection Tech Could Speed Claims Process, Prevent Loss
In the aftermath of a storm, the roof may not be the most appealing place to venture, but it’s integral it be inspected quickly for damage. Even when the weather is fair, it’s important to regularly monitor the state of your roof in order to provide proper maintenance and prevent unnecessary loss. This type of inspection is costly in […]
2021’s Extreme Weather Leads to Insurers’ Biggest Payout in 10 Years
Insurers will have to pay out the largest amount of compensation in 10 years to cover the damage caused by natural disasters in the first half of 2021, including extreme freezing temperatures in the US, according to an industry report. Global natural disaster insured losses, the amount insurers are forecast to pay out, will be as […]
For Home Insurers, Weather Proves More Costly While COVID Measures Lower Claims
Catastrophic weather events such as wildfires, hurricanes and floods caused 39% of home insurance claims in 2020 – the highest percentage in the last six years. According to the 2021 LexisNexis Home Trends Report, the loss cost in 2020 also increased across all perils by 6% year-over-year, following the upward trend that the report says will likely […]
How Telematics Can Mitigate Personal Auto Hard Market Pricing
Tell me if you’ve heard this one before: The insurance market is hardening. Policy rates are going up and independent insurance agents need to help personal lines clients manage those impending increases. However, the story has changed in recent years—through telematics. Some independent insurance agents may be skeptical. That’s to be expected. Many have been hesitant […]
Top 14 Benefits of Telematics Beyond Tracking
When most fleet managers think of telematics, the first image that likely pops up is a digital map with dots showing where their vehicles are at any specific time. “While many fleets have realized the benefits of location tracking, the most successful telematics deployments are those that go beyond GPS. Telematics sits at the heart […]
Smart Homes: Small Changes with a Big Impact on Cities
The challenges of urban sustainability are not only related to the development of cutting-edge technologies. The application of these as common elements of the urban environment is, perhaps, one of the most complex endeavors. At the center of this urban strategy is the aim of generalizing the use of smart technologies in all households. The rationale behind […]
What is Telematics?
In its broadest sense, telematics is the joining of two sciences—telecommunications, a branch of technology including phone lines and cables, and informatics such as computer systems. Today, the term is commonly used in reference to the telematics solutions utilized in commercial fleet vehicles. According to Gartner, wireless telematics devices and “black box” technologies collect and […]
Are Smart Homes a Smart Idea?
As technology is such an integral part of our daily lives, especially during the pandemic and its related restrictions and concerns, it’s no surprise that consumers are increasingly converting their homes into “smart homes.” The $78.3 billion market is set to grow to $135.5 billion by 2025. Makes sense, given that more families have been staying at home for longer periods […]
5 Work-From-Home Risks That Are Here To Stay
Businesses were exposed to new and expanded risks when employees abruptly began working from home last year. The most pressing risks – like IT security and remote accessibility – were quickly addressed. However, many of the mitigations put in place were designed to be temporary fixes rather than long-term solutions. And that could leave you […]
How Remote Work Changes Agency Culture
Remote work is now an accepted practice for both agencies and insurers whether by necessity due to the pandemic or a growing workforce preference for working at home. Even considering the advantages of remote work such as flexible work schedules, greater autonomy, and fewer office interruptions, what is being lost in team building, collaboration, and […]
Most Common Remote Work Security Risks in 2021
Remote work has become a highly popular and common practice around the world, especially now as companies allow a significant part of their employees to remain remote. However, while this practice increases flexibility, improves productivity, and enhances work-life balance, there’s a downside to it – remote work security risks. In this new remote-working landscape created […]