American Heritage Insurance Group

We listen. We Understand. No worries.

  • About UsAHIG
  • ServicesOur
    • Adult Care Facilities
    • Automobile Insurance
    • Business Insurance
    • Farm and Agribusiness Insurance
    • Home Insurance
    • Other Insurance Products
      • Small Fleets
    • Renters Insurance
    • Specialty Insurance
      • Pet Insurance
      • Wedding Insurance
  • Insurance CompaniesInsurance
  • BlogVisit the
  • QuoteGet a
  • Contact UsLocations
  • CareersCareers

Homeowners Coverage in the Age of Catastrophic Weather Patterns

April 14, 2021 By Melanie Bosse

The deadly winter storms that descended on Texas in early 2021, following a summer of record-setting wildfires in California, have reminded many Americans of the importance of homeowners insurance. Here is some advice on how to protect yourself-from a major disaster or an everyday one. Risk From Natural Catastrophes is Increasing Many parts of the […]

Filed Under: American Heritage, Flood, Home, Weather Tagged With: catastrophic weather, earthquake insurance, flood insurance, how weather affects your home owners insurance, weather and insurance

How to Protect Your Home From Extreme Weather

April 7, 2021 By Melanie Bosse

wildfire examples

Climate change can be a hot topic these days, but regardless of one’s views on the subject, scientists have taken an interest in how it might affect the intensity or possibility of future weather-related events. Natural disasters – whether predicted or not – expose the susceptibility and risks of our home and communities. According to […]

Filed Under: American Heritage, Flood, Home, Weather Tagged With: earthquake, extreme weather, flood insurance, how to prepare your home for a hurricane, how to prepare your home for a storm, how to prepare your home for a tornado, how to prepare your home for a wildfire, how to prevent a home insurance claim, hurricane, most common states for, natural disasters and insurance, tornado, wildfire

Reduced Home Insurance Premiums for Having Smart Devices

March 24, 2021 By Melanie Bosse

These days, many homeowners are using smart home devices to help keep their largest asset safe. As a result, many home insurance companies are offering discounts on their premiums for customers who use these items. However, since this technology is still fairly new, not all companies currently offer this perk. To that end, it’s important […]

Filed Under: American Heritage, Home, Money Tagged With: discount on my home insurance, discounts on insurance, how smart devices reduce your insurance premium, smart home

6 Cybersecurity Tips When You Work From Home

February 17, 2021 By Melanie Bosse

As of September 2020, nearly 60% of full-time and part-time workers in the U.S. were doing their jobs remotely at least some of the time during the coronavirus pandemic. And many of them would like to keep doing so. This work-from-home pivot makes some employers’ IT professionals nervous, though. A global study released in October […]

Filed Under: American Heritage, Cyber, Home Tagged With: cyber security when working remotely, cybersecurity, cybersecurity tips when working from home, how to prevent a cyber attack, how to prevent a cyber attack when working from home, remote work and cyber

‘Gotcha – You’ve Been Hacked!’: Handling a Cyber Claim for Your Business

February 10, 2021 By Melanie Bosse

Ever wonder what’s involved in handling a cyber claim? What is the process? Who needs to be notified of a cyber event? What steps should be taken to address the resulting chaos? If you follow Ash Burdon, cyber incident manager at CFC Underwriting, around for a day, you might not guess he works for an […]

Filed Under: American Heritage, Cyber, Money Tagged With: cyber insurance, hacked, how to deal with a cyber claim, what happens when i have a cyber claim

Cyber Security Tips for Allowing Employees to Work From Home

February 3, 2021 By Melanie Bosse

Around the world, many people already work full-time from the comfort of their homes or local coffee shops. Employers have discovered, and research has consistently shown, that when employees telework, they remain productive due to having fewer distractions and spending less time commuting. While the ability to allow staff to work remotely when needed gives […]

Filed Under: American Heritage, Commercial Insurance, Cyber, Small Business Tagged With: cyber security, how to protect work from home employees from cyber attacks, remote work, remote work cyber insurance, remote work cyber security, use of personal devices when working from home, working from home and cyber security

What is Renters Insurance and Do You Need It?

January 27, 2021 By Melanie Bosse

Do you like your laptop? How about your sofa? Could you afford to buy them again if a fire destroyed your apartment? Do you have a plan to replace your clothes and jewelry if an uninvited guest picks the lock on your door and “borrows” them? No? Well then-you definitely need renter’s insurance. What is […]

Filed Under: American Heritage, Flood, Money, Renters Tagged With: do i need renters insurance, does renters insurance cover floods, does renters insurance cover water damage, how much is renters insurance, renters insurance, what does renters insurance cover, what is renters insurance

Renters Insurance Usually Covers Dog Bites, But There are Some Exceptions

January 20, 2021 By Melanie Bosse

According to the Insurance Information Institute (III), 67% of American households own a pet and dogs account for 63% of them. Unfortunately, sometimes dogs bite. Approximately 4.5 million Americans are bitten by dogs yearly and the average cost of a dog bite claim is $44,760, according to the III. Does Renters Insurance Cover Dog Bites? […]

Filed Under: American Heritage, Pets, Renters Tagged With: are pets covered under my rental policy, cost of a dog bite claim, do i need renters insurance, does renters insurance cover dog bites, dog bites and renters insurance, renters insurance, renters insurance and pets

Why College Students Living Off-Campus Should Have Renters Insurance

January 13, 2021 By Melanie Bosse

At the end of summer, parents typically pack up their college kids and head to the dorm or off-campus housing. There’s the usual checklist – towels, bedding, laptop, and laundry supplies. However, one item can be overlooked: renters insurance. Students living in college dorms may be covered under their parents’ homeowners insurance. However, college students […]

Filed Under: American Heritage, Renters Tagged With: do college students need renters insurance, do i need renters insurance in college, do you need renters insurance for a dorm, renters insurance and covid, what does renters insurance cover

What Renters Insurance Covers

January 6, 2021 By Melanie Bosse

Like any other insurance policy, renters insurance has exclusions, and knowing about them ahead of time can help you avoid unexpected bills in a disaster. Just as important, though, is knowing what is covered. All that fine print in your policy likely includes coverage you might not expect, which could save you money down the […]

Filed Under: American Heritage, Renters Tagged With: do i need a rental insurance policy, insurance for my apartment, renters insurance, what does renters insurance cover, what is covered under renters insurance

Car Insurance and Coronavirus: What You Need to Know

December 16, 2020 By Melanie Bosse

Car insurance is essential financial protection in case you get into a car accident that leaves you liable for damage, or in case your car gets stolen or damaged by another named peril. As long as your insurance is active and you are making your premium payments on time you will continue to be protected. […]

Filed Under: American Heritage, Auto, Money Tagged With: Auto Insurance, auto insurance discounts, car insurance, coronavirus and auto insurance, covid and car insurance

COVID-19 and Homeowners Insurance

December 9, 2020 By Melanie Bosse

The coronavirus pandemic has disrupted many aspects of society, but your home insurance policy will continue to function normally. Will Homeowners Insurance Premiums be Affected by the Coronavirus Pandemic? It’s hard to say with any degree of certainty what will happen to homeowners insurance rates. There are many factors to consider. First, people are staying […]

Filed Under: American Heritage, Home, Money, Pets Tagged With: covid and home insurance, home insurance discounts, homeowners insurance

COVID-19 is Prompting Families to Rethink Their Finances

December 2, 2020 By Melanie Bosse

COVID-19 has led families to cancel travel plans, get (semi!) comfortable with homeschooling kids and deal with all kinds of other inconveniences. As if that weren’t enough, it’s also making many families take a closer look at their finances and make sometimes difficult financial decisions. Life Happens recently conducted a survey that polled more than […]

Filed Under: American Heritage, Life Insurance, Money Tagged With: covid-19, covid-19 and money, families, family financial planning, finances, life insurance, Money

The Most Common Commercial Car Insurance Exclusions

November 25, 2020 By Melanie Bosse

Commercial car insurance is, as the name suggests, designed for vehicles used for commercial purposes. There are many differences between a commercial policy and a regular one, which covers personal-usage cars. There are greater coverage limits, greater reimbursement sums and the possibility of adding a fleet of vehicles. There are certain activities that will void […]

Filed Under: American Heritage, Auto, Commercial Insurance Tagged With: commercial auto insurance, commercial car insurance, commercial car insurance exclusions, having a car for my business, insuring my business car, what does commercial car insurance cover, what doesnt commercial car insurance cover

What Is Gap Insurance and How Does It Work?

November 18, 2020 By Melanie Bosse

If you drive a new car off the dealer’s lot, having made your deposit and looking forward to your first payment, but wind up in an accident that makes the car unusable, what recourse do you have? Guaranteed Asset Protection (GAP) insurance is the answer. What Is Gap Insurance? Guaranteed Asset Protection insurance protects the […]

Filed Under: American Heritage, Auto Tagged With: Auto Insurance, buying a new car, car insurance, do i need gap insurance, gap insurance, what is gap insurance, where do i buy gap insurance

How Much Car Insurance Do I Need? 5 Key Coverage Considerations

November 11, 2020 By Melanie Bosse

Of all the many adulting tasks we’re faced with, figuring out insurance is among the most confusing. Health? Life? House? Car? Yes! For car insurance, most state laws require every driver to have a minimum level of coverage, but how much and what type of coverage varies by state – so, should you get more […]

Filed Under: American Heritage, Auto Tagged With: adulting, Auto Insurance, car insurance, collision insurance, comprehensive insurance, Driving, how much car insurance do i need, liability insurance, uninsured motorist insurance, what type of car insurance do i need

Check Your Auto Insurance if You’re Going to Make Deliveries

November 4, 2020 By Melanie Bosse

With much of the country practicing social distancing and self-quarantines due to the coronavirus pandemic, many companies are looking for delivery drivers to get groceries, takeout meals and other items to customers. If you’re looking to pick up some extra cash as a delivery driver and using your own car, be aware of possible auto […]

Filed Under: American Heritage, Auto, Commercial Insurance Tagged With: automobile insurance, car insurance, commercial auto policy, delivery driver insurance, do i need insurance as a delivery driver, hired car insurance, non-owned insurance, uber insurance

What is Personal Cyber Insurance and Why Do You Need It?

October 28, 2020 By Melanie Bosse

When you hear, “cyber attack,” you likely think of data breaches at a large company or retailer, but do you ever consider that you could be personally attacked? From a surprise virus to a deliberate rental scam, to deeply hurtful cyber-bullying, the threats you and your family face in the connected world are real and […]

Filed Under: American Heritage, Cyber Tagged With: cyber insurance, cyberbullying, insurance coverage for cyberbullying, insurance for cyber attacks, personal cyber insurance, private cyber insurance, ransomeware

Does My Small Business Need Cyber Insurance?

October 21, 2020 By Melanie Bosse

Most businesses invest in physical security and general liability insurance, but cybersecurity is usually limited to a firewall and some antivirus software. Unfortunately, this leaves many small businesses exposed to the high cost of cyber attacks – which are increasing in frequency. According to Gartner, a global research and advisory firm, 43% of major data […]

Filed Under: American Heritage, Commercial Insurance, Cyber Tagged With: business insurance, cyber liability, cyber security, data breach, does my business need cyber insurance, small business cyber insurance, small business cyber risks

The Cost of Your Employees’ Fingerprints

October 14, 2020 By Melanie Bosse

In January 2019, The Illinois Supreme Court upheld consumers’ rights to sue companies for collecting their fingerprints without explicit consent. This precedent-setting case, Rosenbach v Six Flags Entertainment Corp, was the first to extend the interpretation of the Illinois Biometric Information Privacy Act (BIPA) holding that individuals do not need to prove they were actually […]

Filed Under: American Heritage, Cyber Tagged With: biometric data, consumer security, cyber insurance, cyber liability, cyber security, employee security, fingerprints, privacy rights

Next Page »

WHAT WE OFFER

We will analyze your needs and compare proposals to find you the best coverage at an affordable price.
Automobile Home/Renters Farm Business And More...


© Copyright 2021 American Heritage Insurance Group, LLC