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HO3 Homeowners Insurance Policy

Heritage Property and Casualty Insurance is committed to insuring one of your largest investments, your home. The best way to protect it is through a homeowners HO3 policy.

Homeowners (HO3) policy provides insurance to single-family, townhouse or duplex homes that are owner occupied. Our HO3 product provides insurance related to most risks, such as fire, lightning and theft. It also provides coverage for:

  • Personal liability coverage and medical payments to others
  • Loss of use of your home during a claim while it is being reasonably repaired
  • Personal Property and Valuables
  • Coverage for other structures

We also have additional coverage options available such as increased limits on jewelry, replacement cost on personal property, dog liability, identity theft, and personal injury.