A classic, custom, collectible or antique car requires insurance that reflects your vehicle’s uniqueness and value. If you own-or are thinking of owning-a special set of wheels, find out about the kind of policy you need. What Types of Vehicles Need Special Insurance? A classic, collectible or antique car is no ordinary car-and regular auto […]
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.
The Cheapest Cars to Insure in 2019
**Study was done by ValuePenguin. Actual premiums may vary. Talk with your insurance agent for details regarding your own quote and vehicle.** We looked at 50 of the most popular models on the road to see which were the least expensive to insure. Our research showed that minivans and small pick-up trucks were, on average, […]
8 Insurance Points to Consider Before Buying a Car
Most people know they need insurance for their new car, but in the excitement of buying a vehicle they may not research it as carefully as they should. Skipping over this detail may cause financial problems almost as soon as you drive off the lot. “You need to shop for insurance before you ever step […]
Classic Car Insurance: What is it and How does it Work?
Whether you own a 1994 Ford Mustang SVT Cobra, 1966 Ferrari 330 GTC, 1941 Willys American Hot Rod, original Model T from 1923, or a other coveted collector car, you probably want to do everything you can to protect your investment and ensure many years of fun and enjoyment with your prized vehicle. That means […]
Beginners Guide to Motorcycle Insurance
It’s exciting to get started in the world of motorcycle riding. There’s lots to learn and lots to discover with endless amounts of fun to be had! Insuring your motorcycle, or scooter, is a significant expense and you’ll want to make sure you’re getting a competitive rate. Equally important, however, are the details involved in […]
Five Questions to Ask About Boat Insurance
Do you own a boat? Ever wonder what you should ask your agent or broker about insuring it? Here are some common questions with answers provided by Brad Seeley, senior marine product manager at Foremost Insurance Company. 1. Do I need insurance for my boat? Some people may think that their boat is adequately covered […]
ATV Insurance 101
What Does ATV Insurance Cover? ATV insurance can protect your finances in the event of loss, damage, an accident, injury or theft of your vehicle. Here are some details: Liability Coverage will cover the costs of bodily injury and property damage up to a determined amount if you cause an accident. It will also cover […]
Tips for Insuring Your Toys
All across the country, people put their motorcycles, boats, RVs, and classic cars in storage for the long winter, anxiously awaiting that warm spring day when the garage door rolls up and the engine purrs (or perhaps rattles) back to life. After a battery charge, a fluids check, and a few other tasks, you’re ready […]
What is Condo (HO6) Insurance and What Does it Cover?
Condo insurance, also known as an HO6 insurance policy, provides condo unit owners coverage for their properties, protects against liability claims and helps cover costs if the unit is uninhabitable. A condominium insurance policy is often called walls-in coverage, as it protects the individual unit, whereas your condo association’s master policy generally covers all common […]
Condo vs Homeowners Insurance
In many ways, buying a condo is similar to buying a house: you get the freedom of owning your living space but you also have to take responsibility for what happens to it. So how similar are insurance coverages for condos and houses? Let’s find out. Condos vs Houses: The Ins and Outs of Your […]
The Ins and Outs of Condo Insurance
Unlike homeowners, condo dwellers don’t own the building they live in or the land it sits on. Your condo or homeowners association (HOA) will carry a master policy to insure the building and pay for accidents that occur on the property outside or in the common areas. However, your HOA might not pay to repair […]
Condo Insurance 101
What is Condo Insurance? Condo insurance provides coverage for the inside of your condominium; the external areas fall under the jurisdiction of your condo association and must be covered under the association’s insurance policy. Depending upon the specifics of your condominium association’s master policy, your condo insurance may include coverage for: The interior walls Your […]
FAQ and Answers About Renters Insurance
What is Renters Insurance? Renters insurance provides coverage for your lost, damaged, or stolen personal possessions. It also provides coverage for injuries to another person that might occur in your rented home or apartment. For example, if someone is hurt in your apartment, and the injury is deemed to be your fault, that person can […]
How Much is Renters Insurance in 2019?
More Americans rent their homes than at any point since the mid-60’s. In the wake of recession, wage stagnation and student debt, the number of renters across the country has soared, and at this point more than 43 million households rent. Student debt is a particular factor here given that, like so many economic concerns, […]
Do College Students Need Renters Insurance?
When you’re packing for college, you may be thinking more about clothes, gaming consoles or the perfect laptop than insurance. Whether you’re heading to a campus dorm, renting a house or leasing an off-campus apartment, it’s important to protect your possessions. Don’t make the mistake of thinking you’re too poor to need coverage. Many students […]
5 Reasons Why You Should Purchase Renters Insurance
Renters insurance is just like home insurance, only it’s for renters. Whether you are a student or self-employed individual who has rented an apartment, you need renters insurance for many good reasons. The top 5 of them are as follows: It Covers Losses to Personal Property Your personal property and belongings can be lost or […]
What is Renters Insurance and What Does it Cover?
Renters insurance covers costs associated with damage to your personal property, personal liability damages, emergency medical expenses for guests and living expenses if your apartment becomes unlivable. However, not every event related to these categories will be covered by your renters insurance policy, as certain events or “perils” are excluded. Before you make a claim, […]
The 5 Culprits for Rising Auto Insurance Costs
According to James Lynch, chief actuary, vice president of research and education at the Insurance Information Institute (III), there are five main factors responsible for frequently rising auto insurance rates. More miles driven. Not surprisingly, the number of accidents is directly related to how much people are driving. “When you go into a recession, a […]
Types of Auto Insurance
There are several different categories of auto insurance and each covers a different aspect of your risk as a driver. Liability: If you are deemed at fault in a car accident, liability coverage will pay for repairs, medical costs for injuries suffered by others in the vehicle, plus other expenses related to the accident such […]
How to Read (And Actually Understand) Your Auto Insurance Policy
Auto insurance policies are confusing and boring documents filled with legal jargon that can be an absolute nightmare to read. Your policy is a legal contract binding the insurance company to perform specific actions under certain circumstances for an agreed upon price. Insurers want the contract to be as specific as possible, which is why […]