Heritage South Property & Casualty Insurance
Automobile Insurance
Homeowners Insurance
Business/Commercial Insurance
Life Insurance
Personal & Group Health Insurance
Disability Insurance
Long Term Care Insurance
Auto insurance should meet two crucial criteria – offer protection that you can count on with a peace of mind and premiums that are not oppressive. The companies Heritage South has chosen to offer automobile insurance through have proven themselves in both areas.
Auto insurance through Heritage South entitles you to basic liability insurance, as well as coverage options that include, but are not limited to, collision, comprehensive, medical payments, uninsured or underinsured motorist, rental, and emergency assistance.
Heritage South representatives will help you put together a package specifically tailored to your needs in regards to coverage, deductible, and premiums. We will then present you with various options from within our assortment of A-rated insurance companies, leaving you with the final decision on which package is best for you.
Your home is one of your largest investments. It makes perfect sense to have the most dependable coverage insuring your investment against fire, tornados, lightning, and other unpredictable emergencies.
Homeowners insurance through Heritage South provides you with several options. All of our companies offer basic insurance on physical structures, personal property, personal liability, and medical payments. Many also offer convenient options that include, but are not limited to, content replacement cost, theft, and debris removal.
All of our homeowners policies are reliable and cost-friendly. Heritage South allows you to select the coverage that best suits your needs. We will then design a package from the options you choose and present you with various policies to choose from.
Business owners have enough to worry about without the burden of commercial insurance. Several of the A-rated companies Heritage South represents recognize this burden and have responded with policies designed to be both cost effective and uncomplicated for busy business owners.
Heritage South offers business owners the opportunity to design their policy based upon their priorities. Optional coverages include, but are not limited to, building, business operations, inventory, company vehicles, premises and off-premises liability, theft and burglary, and loss of earnings. A special Business Owners’ policy is also available for selected businesses.
No one likes to think about dying, but consider this: How would your family make it financially if you were to die tomorrow?
Heritage South offers life insurance to ensure your family will be taken care of. We offer term life, universal life, whole life and variable universal life policies. Whatever your situation requires, we have the solution.
Personal & Group Health Insurance
It is no secret that health care insurance is very expensive. Considering that most qualified health-care professionals balk at treating anyone without health insurance, it is crucial that you safeguard your family with a policy that provides for adequate health care, while protecting your financial future.
Heritage South has health insurance to meet any situation, including group insurance for businesses or associations, short term medical for persons temporarily between policies, and individual health policies for the self-employed.
Accidents happen. So does sickness, disaster, and other unfortunate incidents that could leave you temporarily or permanently disabled. The question is, when life strikes, where will your family get the money for bills and groceries if you can’t provide the necessary income?
Disability insurance provides insurance for those times when you may be sick, hurt, or unable to work. Heritage South offers several disability options. You have the ability to choose the amount of coverage you need, the length of time your benefit will be paid, and the amount of time it takes for your coverage to begin. These plans are also a nice complement to benefits that may be provided through your employer’s benefit package and may serve as a bridge between the insurance for your health and the insurance against your death.
Insurance to provide for long-term health care needs is the fastest growing sector of the insurance industry today.
Long Term Care policies are designed to help pay the high cost of treatments required for an extended illness or disability that requires medical assistance in the home, assisted living, or long-term care facility. Heritage South offers several options in its Long-Term Care package. Contact our representative for more details.