Heritage Property & Casualty
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Heritage Property & Casualty is a coastal‑focused personal residential carrier writing primarily homeowners and related property lines through appointed independent agents in Florida, California and selected southeastern/coastal states. Publicly available, carrier‑specific underwriting guidance is limited; agents are expected to follow state filings and internal manuals distributed via agency portals. PREFERRED / TARGET BUSINESS • Owner‑occupied primary or secondary single‑family homes, townhomes, and eligible duplexes meeting current building codes and with acceptable loss history in coastal states where Heritage is actively writing (historically FL, NC, SC, AL, MS and CA; current active appetite and forms must be verified in the agent portal or with territory manager). ([heritagepci.com](https://www.heritagepci.com/investor-news/heritage-insurance-writes-first-homeowners-insurance-policy-in-south-carolina/?utm_source=openai)) • Homes placed via independent agents with demonstrated experience in coastal property markets; Heritage markets itself as leveraging a network of experienced agents, and is not a direct‑to‑consumer writer. ([heritagepci.net](https://heritagepci.net/customerportal/aboutus.aspx?utm_source=openai)) • Standard construction, well‑maintained properties with no major unresolved conditions identified on inspection; roofs and systems expected to be in good repair and within age tolerances set by state program (exact age rules are in internal guides and may be more restrictive in Florida and other high‑hazard ZIPs). RESTRICTED / DECLINED CLASSES (INFERRED FROM COASTAL P&C PRACTICE AND LIMITED MARKETING CONTENT; VERIFY IN PORTAL) • Properties outside Heritage’s authorized or actively marketed states or programs. • Non‑owner‑occupied risks not fitting program definitions (certain tenant‑occupied, short‑term rentals, vacation rentals and unapproved Airbnb/VRBO‑type occupancies are commonly restricted; Heritage materials emphasize owner‑occupied homes and standard rental property programs and do not market short‑term rental products). ([heritagepci.net](https://heritagepci.net/customerportal/aboutus.aspx?utm_source=openai)) • Dwellings with significant prior losses, open claims, or a pattern of water, liability or catastrophe losses beyond the threshold allowed by program rules; the carrier’s regulatory filings and market‑conduct reviews highlight close scrutiny of claims history and timelines, and agents should assume adverse loss profiles are subject to underwriter review or declination. ([ncdoi.gov](https://www.ncdoi.gov/documents/market-regulations/heritage-property-and-casualty-insurance-company-2025/open?utm_source=openai)) • Properties with serious maintenance issues found during inspection (roof in poor condition, unrepaired damage, unsafe or unprotected pools, knob‑and‑tube wiring or other nonstandard/unacceptable electrical or plumbing, etc.). • Vacant, unoccupied, or under‑renovation dwellings that do not qualify for Heritage’s specific renovation or builder’s‑risk programs (if any); standard HO forms generally require an owner‑occupied or tenant‑occupied dwelling. • Certain high‑hazard coastal, brush, or wildfire‑exposed territories may be restricted to E&S or closed entirely for new business from time to time; the company has publicly indicated it is evaluating E&S options and adjusting admitted appetite as conditions change. ([theinsurer.com](https://www.theinsurer.com/ti/news/heritage-new-admitted-personal-lines-takeup-will-accelerate-through-2025-2025-03-12/?utm_source=openai)) GEOGRAPHIC NOTES • Heritage is a Florida‑domiciled carrier that has grown via Citizens take‑outs and now writes in multiple coastal states. ([heritagepci.com](https://www.heritagepci.com/investor-news/heritage-insurance-writes-first-homeowners-insurance-policy-in-south-carolina/?utm_source=openai)) • Florida: Large legacy book built through Citizens takeouts; subject to intensive regulatory scrutiny. The company has faced market‑conduct exams and fines tied to claims handling, which may make timelines, documentation and compliance especially important on Florida submissions and claims. ([insurancejournal.com](https://www.insurancejournal.com/news/southeast/2016/07/13/419953.htm?utm_source=openai)) • California: Offers an HO3 product for owner‑occupied single‑family homes and similar dwellings; marketing highlights coverage for other structures and optional increased limits for jewelry, fine art, instruments and replacement‑cost personal property. Earthquake is not part of the standard HO3; separate coverage is required. ([heritagepci.com](https://www.heritagepci.com/california-homeowners-insurance-h03/?utm_source=openai)) • Other states: Company press and regulatory materials indicate active or planned homeowners and dwelling fire writings in NC, SC, AL, MS and HI (through an affiliate). Territory and ZIP‑code availability, including wind‑only vs. multi‑peril, must be confirmed in the agency system before quoting. ([heritagepci.com](https://www.heritagepci.com/investor-news/heritage-insurance-writes-first-homeowners-insurance-policy-in-south-carolina/?utm_source=openai)) SUBMISSION & UNDERWRITING PROCESS (AGENT‑FACING EXPECTATIONS) • Business is submitted and bound through Heritage’s agent systems; recent implementation of Guidewire PolicyCenter and BillingCenter is intended to keep existing quote and new‑business workflows for agents while improving underwriting rule automation and communication. Expect more front‑end eligibility rules and faster rule changes, with underwriter referrals triggered by characteristics such as roof age, losses, high limits or schedule items. ([guidewire.com](https://www.guidewire.com/fr/about/press-center/press-releases/20251210/heritage-insurance-company-deploys-guidewire-to-modernize-policy-administration-underwriting-and?utm_source=openai)) • Agents are instructed on the public site to direct policy‑level questions to their underwriting contacts and to work through Heritage’s appointed‑agent network. There is no public self‑serve quote/bind channel; prospective insureds are referred to agents. ([heritagepci.net](https://heritagepci.net/customerportal/aboutus.aspx?utm_source=openai)) • For California HO3, agents are expected to review provisions, limitations and exclusions with clients, assist with inventory documentation, and offer optional higher limits on valuables and replacement‑cost personal property when appropriate. ([heritagepci.com](https://www.heritagepci.com/california-homeowners-insurance-h03/?utm_source=openai)) • Payments and installment arrangements are handled via lockbox/online/phone; different lockboxes apply to CA & FL E&S, FL and multi‑state admitted homeowners, and certain takeout programs, so agents should follow the billing instructions tied to each program code on the declarations page. ([heritagepci.com](https://www.heritagepci.com/company/contact-us/?utm_source=openai)) BROKER / PRODUCER NOTES • Access is restricted to appointed agencies. The public Agents page confirms Heritage is not currently accepting new agency applications and directs interested agencies to check back in Q2 2026; existing relationships remain in place. ([heritagepci.com](https://www.heritagepci.com/agents/?utm_source=openai)) • Agency partners are expected to follow Heritage’s internal underwriting guidelines, photo/inspection requirements and consent‑to‑rate or roof‑age rules, which are distributed via agency agreements and portals rather than posted publicly. • Due to increased regulatory and media scrutiny of the company’s claims handling after major catastrophes, producers should set clear expectations with insureds regarding documentation, prompt reporting, and time frames for claim decisions, and be prepared to assist clients in navigating claims communication requirements. ([gulfcoastnewsnow.com](https://www.gulfcoastnewsnow.com/article/florida-homeowners-insurance-company-fined-hurricane-ian-claims/60746007?utm_source=openai)) Because Heritage does not publish a comprehensive, state‑by‑state appetite or underwriting manual on its public site, all detailed eligibility (construction types, roof age tables, protection class limits, maximum TIVs, loss‑history thresholds, and ineligible occupancies) must be verified against the latest internal underwriting guides and state program bulletins in the agent portal or with your territory underwriter.