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 public guidance is limited; no detailed public underwriting/appetite manual or broker appetite guide was found on the carrier’s official site. Current published positioning shows Heritage writing personal and commercial residential property business through independent agents, with public product pages focused primarily on Florida personal lines. For Home, the clearest published appetite is Florida HO3 for owner-occupied single-family, townhouse, or duplex homes; Florida HO6 for condo units occupied by owners or tenants; and Florida DP3 for landlord-occupied 1–4 family rental dwellings that are rented and not vacant. Publicly described optional features include increased jewelry limits, replacement cost on personal property, dog liability, identity theft, personal injury, ordinance or law, and theft depending on product. Commercial residential offerings are described for condominium associations, homeowner associations, continuing care retirement communities, and apartment complexes. Geographic/portal notes indicate active new business and servicing access for CA, FL, NC, and SC in the new agent portal, and for AL, GA, and MS in the legacy portal; the site also lists FL takeout programs for dwelling fire, wind-only, and mobile home, plus SC E&S HO-3 access through WestPoint. Practical read on current appetite: preferred business is standard residential property aligned to the listed forms and states/portals above, submitted via appointed independent agents. Restricted/declined classes are not expressly published on the public site; however, the DP3 page specifically says the dwelling must be rented and not vacant, so vacant rental dwellings should be treated as outside the stated public appetite unless confirmed separately. Submission expectations and producer instructions publicly available are mainly operational: use the state/product-specific agent portal, with all other states shown as servicing only in the legacy portal, and commercial lines routed through the legacy system. Because no verified official public underwriting guide with class-by-class acceptability was found, brokers should obtain current binding/eligibility rules, coastal/geographic restrictions, age/value/protection class limits, and ineligible risks directly through the appointed agent portal or carrier underwriting contacts before quoting.