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Here Are The Next Steps:
- We're working on your quote now, if we need additional information, we'll text you to let you know.
- Once we have your quote, we will email it over to you and text you to let you know. If it's before 3:00pm, we'll have your quote to you before the end of day.
- Once you review the quote and are ready to move forward, we'll get on a 5 to 10 minute call and finalize everything.
- You'll join the Heritage Family and you'll never have to stress about your insurance again.
Who We Are | How We Operate
- Helping YOU is our main focus. If we can’t properly help you, we’ll let you know immediately and wont waste your time. We’ll also never cut corners or sacrifice coverage just to save you a few dollars.
- We are an insurance brokerage. This means we have multiple options to find you the best coverage at the best rate.
- We love to text. 75% of our communication comes from text. It’s faster, easier and makes things more simple. Of course you can still call us when you need to.
- Once you’re a client, we’ll give you access to an online portal where you can always access and request changes to your policy. We make it simple for you to do business with us.
There are many discounts available on your car insurance, no matter your circumstance. Check with your insurance agent every year your policy renews to make sure you are getting all the discounts available to you. Below is a list of common car insurance discounts.
- Multi-car
- Paperless
- Pay-in-full
- EFT Billing
- Homeowner
- Good student
- Driver training course
What your car insurance covers depends greatly on the coverage you select. For a list of coverage and what each one covers, scroll up to the top of this page.
Here is a list of things that potentially could be covered with your car insurance:
- Injuries to someone else in an accident you caused
- Medical bills for you and your passengers
- Damage to someone else's vehicle in an accident you caused
- Damage to your vehicle
- Injuries to you caused by an uninsured or underinsured driver
- Windshield or glass damage
- Towing
- Rental cars
It's important to note that not all these things are covered automatically. Check with an independent insurance agent to see what is covered on your specific policy.
There are many things car insurance wont cover, but there's no one-size-fits all approach. Each policy and company are different.
Here is a list of some things that generally are NOT covered under your car insurance:
- Mechanical Breakdown
- Damage from negligence
- Personal belongings in your vehicle
- Intentionally damaging your vehicle or causing medical injuries
- Using your vehicle for rideshare (endorsement available)
- Using your vehicle for business (endorsement available)
Again, check with your independent broker to make sure you are aware of what is covered and what is not covered on your auto policy.
How much car insurance you need depends entirely on your specific situation. The type of car you drive, your net worth, how often you drive your vehicle and even what you drive it for, can all help you determine how much car insurance you need.
The important part is to tune out all the Progressive Flo and Geico Gecko commercials that only talk about saving money. It's important to save money, but it's most important to make sure you're adequately covered come claim time.
To determine how much car insurance you need, give us a call. We're happy to walk you through that process.
For the most part, yes, your car insurance will cover other drivers. However, there are many things you need to be aware of to be sure every driver is covered:
- If the driver lives in your household, they must be listed on your car insurance policy
- If the driver uses your vehicle on a regular basis (at least once a month) they must be listed on your policy
- Each state varies as to what they allow, so check with your specific policy
For most all other cases, someone driving your vehicle should have coverage. For example, your friend is at your house and needs to take your car to go get some food. In most cases, your friend would be covered under your car insurance.
Like all things, don't trust everything you read on the internet. Your insurance policy is what can tell you exactly who is and who isn't covered on your policy. Check with your agent to be sure or give us a call and we can check for you.
Liability coverage pays for property damage and or medical injuries that were caused in an accident in which you were at fault.
To learn all about bodily injury liability and why it's important on your auto insurance policy, click here for a video and detailed explanation.
Home insurance typically covers damage or loss to your home, personal property, and liability for injuries or property damage to others. Specific coverages vary depending on your policy, but common coverage types include dwelling coverage, personal property coverage, liability coverage, and additional living expenses coverage.
The amount of home insurance you need depends on the value of your home and personal property, as well as your personal risk tolerance. It's recommended to get enough coverage to fully rebuild your home and replace your belongings if they were destroyed in a covered event.
A deductible is the amount of money you pay out of pocket before your insurance policy kicks in to cover the remaining costs. For example, if you have a $1,000 deductible and you make a claim for $10,000 in damages, you would pay $1,000 and your insurance would cover the remaining $9,000.
Most home insurance policies do not cover damage from floods or earthquakes, as those require separate insurance policies. Home insurance also typically excludes intentional damage or criminal acts, as well as normal wear and tear.
You can save money on home insurance by raising your deductible, bundling your home insurance with other policies (such as auto insurance), installing safety features in your home (such as a security system), and comparing quotes from multiple insurance companies.
If you need to file a home insurance claim, the first step is to contact your insurance company or agent. They will guide you through the process and ask for information about the damages or losses. It's important to document the damage as much as possible, and keep any receipts or bills related to repairs or replacements.