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 […]
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.
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 […]
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 […]
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 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 […]
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 […]
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 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 […]
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 […]
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 […]
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 […]
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 […]
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 […]
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 […]
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 […]
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 […]
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 […]
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 […]
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 […]
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 […]