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
Verified official producer access is through the Agent Login page rather than a public appetite guide. Current published guidance indicates Heritage writes personal residential property through multiple agent portals by state: New business and servicing are available in CA, FL, NC, and SC via the new Guidewire portal; AL, GA, and MS are handled in the legacy portal for new business and servicing; other states appear servicing-only in the legacy portal. The agent page also shows FL takeout products for Dwelling Fire (DT3), Wind Only (HW2/HW6), and Mobile Home (MT3), plus SC E&S HO-3. Public product pages show preferred personal-lines business as owner-occupied single-family, townhouse, and duplex homes for HO3, and landlord-rented, not-vacant single-family or duplex homes for DP3. Heritage also publicly lists HO6 and commercial residential products for condo associations, HOAs, continuing care retirement communities, and apartment complexes. Optional/premium features publicly referenced include higher jewelry limits, replacement cost on personal property, dog liability, identity theft, personal injury on HO3, and ordinance or law and theft on DP3. Restricted/declined classes are not published in a detailed public appetite guide; however, the public DP3 description specifically targets rented and not-vacant properties, implying vacant rentals fall outside the stated target, and the HO3 description is specifically for owner-occupied risks rather than tenant-occupied landlord business. Geographic notes: public pages confirm product/portal presence across AL, CA, FL, GA, MS, NC, and SC, with FL and SC showing additional specialized offerings noted above. Submission/producer requirements: Heritage distributes through independent agents; to seek appointment, agencies use the official online application and should expect territory sales manager follow-up. The application requests operational and underwriting-distribution details including requested states, E&O carrier/policy and whether limits are at least $1,000,000, agency management system usage, top 3 personal-lines appointments, premium and 12-month loss ratios, average home policies written per month, prior carrier terminations, and potential book transfer. Notable producer note: Heritage’s agency page currently states it is temporarily not accepting new agency applications and asks agencies to check back in Q3 2026. Overall, no detailed public underwriting appetite bulletin was found; the best verified current guidance is the state/product portal map plus product-target descriptions and agency appointment requirements.