In the current insurance market landscape, independent insurance agencies are on the rise, gaining market share in both commercial lines and personal lines as customers are beginning to look for more personalized services and insurance providers that have the ability to navigate their complex coverage needs. Using an independent agent as your insurance provider can […]
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.
What is Reinsurance?
Reinsurance has become a hot topic of discussion within the insurance industry over the past few years. Reinsurance is essentially insurance for an insurance company. It is an arrangement whereby a standard lines insurance company transfers all or part of a risk to another insurance company to provide protection for large losses or catastrophic events […]
Insurance 101 for Young Adults: Essential Coverage, Common Mistakes, and Smart Saving Tips
While there is a shared belief that insurance is of little relevance until say you are 40 years old and own a house, insurance is highly important when it comes to becoming a young adult as you enter your early 20s due to the various key life events that make insurance necessary such as starting […]
Hot Topics in Condominium Insurance
Navigating the ins and outs of condominium insurance can be a complex process, with specific regulations and risks unique to this type of property ownership. With shared spaces, multiple residents, and various homeowner responsibilities, certain issues are at the forefront of concern for both condo owners and insurance providers. Here are some hot topics that […]
Insurance for In-Home Businesses
The rise of small businesses operating out of residences has been prominent in the market since early COVID, now making up about 50% of all small businesses in 2024 with a total of 19 million small businesses in the United States being in-home based. In this blog, we are going to be highlighting the […]
Understanding Special Events Insurance
Whether you are planning a wedding, a private party, or even renting out a venue for a work event, special events insurance is crucial when it comes to protecting yourself from potential damages and loss. With events tends to come larger groups of people, which can increase the overall risk associated with hosting, deeming it […]
Protecting Your Fun: The Essentials of Toy Insurance for Boats, RVs, and Motorcycles
For leisure activities, adults often choose recreational vehicles such as boats, RVs, and motorcycles. These vehicles provide exceptional freedom and enjoyment, yet they also represent vast financial investments that require safeguarding. This is where toy insurance comes in—a specialized coverage designed to protect your recreational vehicles, ensuring they remain safe, secure, and prepared for your […]
Weather Preparedness: Navigating the Increasing Risks
Although weather related coverage has always remained a top priority in the insurance industry, recent surges in extreme weather events in the past few years has both companies and consumers looking for ways to relieve the damage it has caused and mitigate risk in the future. The importance of weather preparedness is more crucial than […]
Vehicle Telematics and Smart Homes in the Insurance Agency
Over the past few years, industries as a whole have been transitioning into a more technology focused way of business management, with the insurance landscape being no exception. With the constant evolution of technology and various trends developing year after year, it is crucial for agencies to not only be adapting with the times, but […]
Exploring Cybersecurity Risks of Remote Work
Since the “cultural reset” caused by the COVID-19 outbreak in early 2020, remote work has been a continuous active concept within the workforce. Employees, both current and future, are desiring to work from the comfort of their homes now more than ever, and although there are various situations that deem remote work more favorable for […]
Why did my homeowners insurance rates go up?
There is no shortage of reasons your home insurance rates may have gone up, but the likely culprits in 2022 are rising labor and construction costs due to inflation and expensive natural disasters. Around a month before the end of your policy term, your insurance company will send you a notice reminding you that your homeowners […]
How does inflation affect insurance rates?
Like most other goods and services, inflation can also increase the cost of insurance. Insurance and inflation When determining insurance premiums, insurance companies look at a variety of factors including industry trends like number of claims and costs to repair vehicles and homes. If those costs increase, the price of insurance premiums will likely increase […]
3 ways to reduce your homeowners insurance premium as costs rise in 2022
Homeowners may see an increase in their homeowners insurance premiums this year. In October 2021, S&P Global Market Intelligence reported a 3% to 30% rate hike in insurance premiums across major home insurance providers, with State Farm having the most significant rate increase. The report also found that Texas saw the most significant increase in homeowners insurance […]
Average homeowners insurance cost (updated for 2022 inflation)
The average cost of home insurance is around $158 a month or $1,899 per year in 2022. But how much you pay will vary based on where you live, how old your home is, and other factors. How much is homeowners insurance? The average cost of homeowners insurance in the U.S. is $158 a month or $1,899 per year, […]
As climate change threatens more homes, some properties are getting too costly to insure
As climate change threatens the U.S. with more natural disasters, it’s becoming increasingly costly for Americans to insure their homes — and it’s only expected to get worse, according to experts. “These things are occurring more often, and they’re causing more damage,” said Jeremy Porter, chief research officer at First Street Foundation, a non-profit focused […]
Car insurance costs more, but ‘several million people’ may still not have enough, expert says
Thanks to inflation, you’re likely paying more for just about everything these days, and car insurance is no exception. Insurers have increased rates by an average of 8.3% so far this year, according to data from S&P Global Market Intelligence, and costs for consumers will likely continue rising, say analysts at Bankrate. For insurers, the price […]
8 reasons auto insurance rates are rising
Odds are your auto insurance premium dropped in 2020 due to stay-at-home orders. There were fewer drivers on the road, which meant fewer accidents and fewer claims. Some insurance companies, including USAA, refunded a percentage of their members’ premiums. And now as some people are returning to their offices and society starts to get more […]
Why Home and Auto Insurance Rates Are Rising in 2022
Why home and auto insurance rates are rising in 2022 Thanks to an unusual convergence of market trends, ushered in by the pandemic and other disruptive events, you may see a bigger change to the cost of your home and auto insurance than usual when it comes time to renew your policies this year. Insurance […]
Auto insurance rates are increasing in 2022. Here’s how to prepare.
Like nearly every purchase consumers make right now, the average cost of car insurance will probably rise for many drivers throughout 2022. Nationally, car insurance rates are increasing by an average of 4.9 percent, according to approved rate filing data from S&P Global Market Intelligence. These rate changes stand to affect more than 62.5 million policyholders across […]
Important Insurance for Young People
Life comes at you fast. Insurance helps. You’re young. You’re healthy. You know insurance is important — but it can also be expensive. Plus there are many different kinds. There’s health insurance, of course. But there’s also vision insurance and dental insurance. There’s car insurance and renters insurance, too. Are all of them really necessary? And […]