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.