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 writes primarily homeowners (HO3) business, focused on owner-occupied single‑family, townhouse, or duplex homes. The HO3 product is positioned as a standard homeowners program covering dwelling, other structures, personal property, loss of use, personal liability, and med pay, with optional endorsements such as increased jewelry limits, replacement cost on personal property, dog liability, identity theft, and personal injury. ([heritagepci.net](https://heritagepci.net/customerportal/products/homeowners.aspx?utm_source=openai)) Preferred business - Owner-occupied primary residences (and in some states, secondary/seasonal) with standard construction, good condition, and no significant prior loss history. - Single-family, townhouse, or duplex risks that meet carrier underwriting standards on age/condition of roof, electrical, plumbing, and overall maintenance. - Risks that fit within Heritage’s re-underwritten appetite as it has resumed writing personal lines homeowners in Florida and certain Northeast states after previously restricting new business. ([insurancebusinessmag.com](https://www.insurancebusinessmag.com/us/news/property/heritage-insurance-reopens-doors-to-florida-homeowners-500813.aspx?utm_source=openai)) Restricted or declined classes (inferred from appetite and market positioning) - Non–owner-occupied, vacant, or severely seasonal dwellings and homes used primarily as short‑term rentals (e.g., frequent Airbnb/VRBO) are typically restricted or written only in designated programs, and agents should confirm eligibility with underwriting before quoting. - Homes with multiple recent property claims, unresolved major losses, or open fire/water claims are likely to be outside normal guidelines or require individual UW review. - Properties in the highest-risk protection classes, with inadequate road access or significant unrepaired hazards (roof disrepair, knob-and-tube or aluminum wiring, deteriorated plumbing, or prior sinkhole/structural issues) are commonly declined under current Florida and coastal risk management practices. Geographic notes - Heritage writes homeowners and dwelling fire in roughly 13 states, with a core focus on Florida and selected coastal and near‑coastal states in the Southeast and Northeast. ([finance.yahoo.com](https://finance.yahoo.com/news/heritage-insurance-company-deploys-guidewire-135500071.html?utm_source=openai)) - The company had largely ceased writing new personal lines policies in Florida and the Northeast as of December 2022, but as of August 2024 has reopened to new homeowners business in those regions following rate and underwriting changes. Agents should verify current state-by-state availability, moratoriums, and coastal distance‑to‑shore rules with their marketing rep or agent portal before marketing new business. ([insurancebusinessmag.com](https://www.insurancebusinessmag.com/us/news/property/heritage-insurance-reopens-doors-to-florida-homeowners-500813.aspx?utm_source=openai)) Submission and underwriting expectations - Policies are administered through Guidewire PolicyCenter on Guidewire Cloud, which means rating and eligibility are heavily controlled via system rules; agents should expect up‑front data quality checks and automated guideline enforcement at quote/bind. ([finance.yahoo.com](https://finance.yahoo.com/news/heritage-insurance-company-deploys-guidewire-135500071.html?utm_source=openai)) - Standard HO3 eligibility requires owner-occupied single-family, townhouse, or duplex homes; agent submissions should clearly indicate occupancy, prior insurance, loss history, and any animal/liability exposures when requesting options like dog liability or higher jewelry limits. ([heritagepci.net](https://heritagepci.net/customerportal/products/homeowners.aspx?utm_source=openai)) - For higher-value homes or unusual exposures, Heritage’s recent underwriting focus on profitability and rate adequacy suggests underwriter review is more likely; agents should be prepared to provide recent inspections, photos, and documentation of updates (roof, HVAC, electrical, plumbing). Broker/producer notes - Heritage has emphasized strict adherence to updated underwriting and rate adequacy initiatives over the last several years and explicitly tied profitability to being selective on new business in Florida and the Northeast. ([insurancebusinessmag.com](https://www.insurancebusinessmag.com/us/news/property/heritage-insurance-reopens-doors-to-florida-homeowners-500813.aspx?utm_source=openai)) - Producers should: - Confirm that the risk meets current state-specific eligibility and any coastal or CAT‑exposure limits before marketing. - Avoid submitting risks that were recently non‑renewed for underwriting reasons by Heritage or that have unresolved major losses, as these are unlikely to be accepted under the tightened guidelines. - Use the Heritage online portal for real‑time eligibility and rating, and route anything outside system tolerance (unusual construction, large schedules of personal property, prior sinkhole, substantial prior losses) directly to an underwriter for consideration before promising terms to the insured. Because Heritage does not publish a detailed, public HO3 underwriting manual, the above reflects what is currently available from Heritage’s product pages and corporate disclosures, combined with practical operational expectations inferred from their recent underwriting, technology, and market communications. Agents should always defer to the most current rules and bulletins available on the secured agency portal.