Homeowners insurance protects your dwelling and personal property, and it offers liability coverage for injuries that happen on your property. If damage or theft occurs due to covered event (known as an insurance peril), homeowners insurance will cover the loss. If your possessions are stolen, you’re covered under homeowners insurance’s personal property coverage. If your […]
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 You Should Know When Buying a House in a Flood Zone
There’s a saying: where it can rain, it can flood. So for homebuyers, the question shouldn’t be, “can my house flood?” Rather, you should be asking, “what is the flood risk?” Naturally, flood risk is heightened if you get a house along the coast or near a large body of water (rivers and lakes), but […]
Home Insurance Prices up Due to Building Material Costs
Home insurance prices are increasing in conjunction with build material costs according to a spokesperson for Greater Nashville Realtors. According to the group, insurance costs are up 25-percent. Supply chain limitations and increased demand for homes have driven material prices high. Insurance companies are adjusting their prices to match home building costs in the event […]
Homeowners Insurance: What to Know Before Selling Your House
With the slew of tasks involved in selling a house, handling its homeowners insurance probably isn’t a the top of your to-do list — and might not even be on the list at all. But overlooking the insurance implications of a home sale risks leaving your property and possessions vulnerable. Consider the potential risks. The […]
Does Home Insurance Cover Fences?
You bought home insurance to help cover the cost of repairs if your house gets damaged by life’s what-ifs. The good news is that your policy extends coverage well beyond the walls of your home, too. In many cases, that means that your home insurance will cover your fence. Still, though, you do not get […]
Avoid Holiday and Black Friday Scams with these Cyber Security Tips
The holiday season is finally here and with it brings a multitude of sales. According to Pew Research Center, 80% of American adults are now purchasing products online. But may of these online shoppers don’t realize the potential risk involved with online scams and fraud perpetrated by cybercriminals to deceive buyers. In this blog, we […]
Cyber Protection During Mega Shopping Holidays
For many decades, Thanksgiving has been the unofficial kickoff to major holiday shopping sprees. From the madness of Black Friday to the incredible deals on Cyber Monday, hordes of people flock to retail outlets and websites, throwing their cyber data, credit card numbers, and passwords all over the place on the way. With so much […]
Cyber Liability Coverage goes beyond identify theft insurance to cover hacking, cyber bullying, and more
As technology advances, it makes our lives easier. But there’s also a risk for homeowners as we integrate smart technology such as smart televisions and security systems into our homes. Not only does identity theft pose a risk, but you could also be on the hook for damages if you accidentally release a virus or […]
Cyberattacks Turn into Targeted Affairs
Cyberattacks have turned into more targeted and sophisticated affairs. The days of hackers using the old-school spray and prey approach, where they infiltrate a network and then splatter malicious software hoping to entice and extort random victims, are slowly dying away. In their place, a much more concerning trend has emerged. Today, cyber threat actors […]
What Should I Do If I Get into a Car Accident with a Rental Vehicle?
People often rent vehicles when going on vacation, particularly if they are driving long distances and want to avoid putting the wear and tear on their own car. Rental cars are also used when car owners need to have repairs made to their own vehicles. Whatever the reason for renting a vehicle, there are important […]
Can I Get Auto Insurance with a Foreign License?
With so many people from around the world living in the U.S., it is natural to wonder and ask, “Can I get auto insurance with a foreign license?” The short answer is that you can, but you may not be able to from every insurance company. We’ll walk you through what you need to get […]
How Much Should I Spend on a Car?
Leather interior. Rearview cameras. Automatic emergency braking. While you may dream of a shiny new car with all these features and more, you may need to prepare for sticker shock. The average new car costs more than $40,000, and used cars average above $21,000. Of course you can buy a brand new car for as […]
What Are the Main Factors That Influence Car Insurance Premiums?
Insurance companies analyze a vast number of factors to determine the premiums paid by their customers. Some of these factors can be improved by the policyholders, while no one can improve other policy determining factors. The following top factors can have a significant impact on the premium paid by a policyholder: Demographic data. The driver’s age, […]
6 Mistakes to Avoid When Renting
After 18 months of living and getting through a pandemic, more first-time renters are looking for a new place than last year as the result of many young adults choosing to stay home and live with their families. While moving out is a large milestone and often very exciting, it is easy to make mistakes […]
All the Expenses You Need to Consider When Living on Your Own
You’re moving in to your first place. Maybe you are living with three roommates or maybe you are living completely on your own. Whatever your situation is, you are likely going to have a lot more expenses than you anticipated. An important step towards ‘adulting’ is setting a budget. But we hear this time and […]
You just moved into your first off campus residence. Here’s what you need to know.
Moving out of the dorms and into an apartment is a huge lifestyle change. While you may have had a roommate sharing a bedroom space, you might have multiple roommates, plus a kitchen and living area to take care of now. Balancing more people and more space can bring on new challenges. There will be […]
Does Renters Insurance Cover Bed Bugs?
Bed bugs are often associated with travel and hotel rooms, but your home is hardly a safe haven from the dreaded pests in fact, pest control professionals find bed bugs more often in single family homes, apartments and condominiums than in hotels and motels, according to the most recent Bugs Without Borders survey by the […]
Moving in to your first apartment? Don’t forget to pack insurance!
Moving in is an exciting time! You finally have a space of your own and with it new freedom and responsibilities. But there’s a lot to think about during this time. You have to consider your budget, which belongings will come with you to your new place, and what you’ll need to buy for your […]
5 Misconceptions about Home Insurance Vs. Specialized Jewelry Insurance
While most people count on the scope of their renters or homeowners insurance policy to cover their precious assets, they may find that coverage insufficient in the face of a potential loss. In most cases, the value of a single broad policy is outweighed by that of specialized jewelry insurance policies. Contrary to popular belief, […]
Does Homeowners Insurance Cover Treehouses?
Because of the potential fun and entertainment value, if you have a large, healthy tree in your yard, a treehouse can seem like a tempting proposition. Before you start construction on your new treetop hangout, however, it is important to think through potential insurance ramifications to understand where you may be at risk. Specifically, you […]