Heritage Insurance appetite and how to quote it

Heritage Insurance

Heritage writes personal residential property (homeowners, condo and dwelling fire) through more than 2,500 independent agents via Heritage P&C, plus NBIC's agency network in the Northeast. It also writes commercial residential property for condo associations, HOAs and apartments, and general liability for artisan contractors in Florida.

Verified Oct 30, 2026

Appetite

Class	Line	States	Notes
Homeowners	Home	AL, CA, FL, GA, MS, NC, SC	HO-3 for owner-occupied single-family, townhouse and duplex homes. Optional increased jewelry and fine art limits, replacement cost on personal property and extra other-structures coverage such as pool houses (Homeowners HO3 product page, Oct 2026).
Condo	Home	AL, FL, GA, NC, SC	HO-6 for condo units occupied by the owner or a tenant, covering contents and permanently attached items such as floors and wall finishes, with loss assessment included. Optional replacement cost on personal property, dog liability, identity theft and personal injury (Condo HO6 product page, Oct 2026).
Landlord	Dwelling	FL, GA, NC	DP-3 landlord policy for single-family or duplex homes that are rented and not vacant. Includes loss of rents, other structures and premises liability. Optional ordinance or law and theft of landlord appliances and furnishings, but not theft by the tenant (Dwelling Fire DP3 product page, Oct 2026).
Habitational	Commercial property	FL, HI, NJ, NY	Commercial residential property for condo associations, HOAs, continuing care retirement communities and apartment complexes. The product page targets well-maintained, best-in-class buildings. Sold through more than 400 independent agents in Florida, and admitted in NJ and NY with Hawaii on a surplus lines basis (Commercial Residential product page, Oct 2026; Heritage Form 10-K for FY2025).
Contractors	GL	FL	Artisan Contractor Program: commercial general liability for trade contractors working in Florida, with medical payments, damage to rented premises, a range of additional insured forms and optional inland marine for tools and equipment (Artisan Contractor Program page, Oct 2026).

Class

Line

States

Notes

Homeowners

Home

AL, CA, FL, GA, MS, NC, SC

HO-3 for owner-occupied single-family, townhouse and duplex homes. Optional increased jewelry and fine art limits, replacement cost on personal property and extra other-structures coverage such as pool houses (Homeowners HO3 product page, Oct 2026).

Condo

Home

AL, FL, GA, NC, SC

HO-6 for condo units occupied by the owner or a tenant, covering contents and permanently attached items such as floors and wall finishes, with loss assessment included. Optional replacement cost on personal property, dog liability, identity theft and personal injury (Condo HO6 product page, Oct 2026).

Landlord

Dwelling

FL, GA, NC

DP-3 landlord policy for single-family or duplex homes that are rented and not vacant. Includes loss of rents, other structures and premises liability. Optional ordinance or law and theft of landlord appliances and furnishings, but not theft by the tenant (Dwelling Fire DP3 product page, Oct 2026).

Habitational

Commercial property

FL, HI, NJ, NY

Commercial residential property for condo associations, HOAs, continuing care retirement communities and apartment complexes. The product page targets well-maintained, best-in-class buildings. Sold through more than 400 independent agents in Florida, and admitted in NJ and NY with Hawaii on a surplus lines basis (Commercial Residential product page, Oct 2026; Heritage Form 10-K for FY2025).

Contractors

Artisan Contractor Program: commercial general liability for trade contractors working in Florida, with medical payments, damage to rented premises, a range of additional insured forms and optional inland marine for tools and equipment (Artisan Contractor Program page, Oct 2026).

Heritage looks for experienced independent agencies, which apply online and are then contacted by the territory sales manager for their area. As of October 2026 its agents page said new applications were temporarily paused until Q3 2026.

Heritage Insurance

Appetite

How to quote Heritage Insurance

Getting appointed

Sources

Tell us your book.
We'll build your stack.

Heritage Insurance

Appetite

How to quote Heritage Insurance

Getting appointed

Sources

Tell us your book.We'll build your stack.

Tell us your book.
We'll build your stack.