If you’re looking into Heritage Insurance for your Florida home, you’re probably in one of a few places: you’re comparing a fresh quote, you already have Heritage and want to make sure you’re getting a fair deal, or you’re just trying to understand what this company actually is before you commit. Wherever you’re starting from, we can help you get there with confidence.
Think Safe Insurance is an independent agency authorized to write Heritage policies. That means we can put Heritage side-by-side with our other Florida carriers so you know exactly how it stacks up before you buy — not after.
Heritage Insurance Florida — Quick Summary
- Financial strength: A (Exceptional) from Demotech, affirmed 6/19/2026 — Heritage is not currently rated by AM Best
- Coverage offered: Homeowners (HO-3), condo (HO-6), landlord/dwelling fire (DP-3), plus some commercial residential lines
- Standout features: Optional Pillar and Pillar Plus upgrade packages, Equipment Breakdown coverage, a mini-farm endorsement, and a fast text-to-claim option
- Company footprint: Founded 2012, headquartered in Tampa, FL, publicly traded (NYSE: HRTG), writing across 15+ states with a shrinking share of business concentrated in Florida
- Best for: Homeowners who want a Florida-rooted carrier with real diversification beyond hurricane risk, plus bundled upgrade options worth pricing out
Heritage Insurance — Where It Came From
Heritage Insurance Holdings, Inc. is a super-regional property and casualty company writing in 15 states and licensed in three more. It got its start in Florida in 2012, went public in 2014, and today is headquartered in Tampa, FL — so it’s genuinely home-grown, not an out-of-state carrier that just added Florida to its map.
Heritage began with personal residential policies in Florida, then added commercial residential coverage in 2014. Starting in 2016, it expanded into North and South Carolina and beyond, building out new partnerships and lines of business along the way. That expansion matters for you as a Florida policyholder: as Heritage has grown into other states, its share of business concentrated purely in Florida hurricane risk has shrunk. Spreading that risk across a wider footprint is generally a good thing for long-term stability and reinsurance costs — you want your carrier’s fortunes tied to more than just whether this year’s hurricane season is bad.
Is Heritage Financially Stable?
Heritage Property & Casualty Insurance Company holds an A (Exceptional) Financial Stability Rating from Demotech, most recently affirmed June 19, 2026. Heritage is not currently rated by AM Best — that’s not unusual for a Florida-domestic carrier of its size, since Demotech is the standard rating agency for Florida property insurers and is accepted by Fannie Mae and Freddie Mac for mortgage purposes. Ratings can change, so it’s always worth confirming current status with your agent before you buy.
What Insurance Does Heritage Offer?
- Homeowners Insurance HO-3
- Condo Insurance HO-6 (Townhouse)
- Landlord Insurance Dwelling Fire DP-3
- Select Business / Commercial Residential Insurance
The Pillar & Pillar Plus Upgrade Packages
Beyond the base HO-3 policy, Heritage offers two optional upgrade tiers — Pillar and Pillar Plus — that bundle several commonly-requested coverages together into one endorsement. Rather than adding each coverage separately and paying for them individually, these packages typically group things like replacement cost on personal property, water backup protection, identity theft expense coverage, service line coverage, and increased special-limit items like jewelry and silverware into a single upgrade.
The real value here is usually in the bundling itself: buying these coverages one at a time typically costs more than getting them together through Pillar or Pillar Plus. Exact limits and pricing depend on your specific home and coverage needs, so we’ll run the numbers both ways — base policy plus individual endorsements versus one of the Pillar packages — and show you which one actually saves you money for your situation.
What Else Makes Heritage Worth a Look
Equipment Breakdown Coverage
Nobody plans on the HVAC dying in July or the water heater giving out at the worst possible moment. This coverage helps protect you against exactly that kind of unexpected repair — HVAC systems, water heaters, appliances, electronics, and more.
Mini-Farm Endorsement
If you keep a few chickens, grow a bit more than a backyard garden, or do some light incidental farming on your property, this endorsement covers it — as long as the farming activity is on 20 acres or less and brings in under $5,000 in sales. A niche fit, but a genuinely useful one for the right property.
Discounts
Heritage offers discounts for secured communities, protective devices, wind mitigation, and senior/retiree status. We’ll review your home against each of these to make sure you’re not leaving savings on the table.
Filing a Claim With Heritage
If you ever need to file a claim, Heritage’s claims line is staffed 24/7. Call 855-415-7120, or start the process by text after calling that number and following the prompts — genuinely useful when you’re standing in front of storm damage and don’t want to sit on hold. You can also visit Heritage’s Claims Center directly. Having your policy number ready will help speed things along, and we’re always happy to help you navigate the process if you need a hand.
Why Florida Homeowners Work With Think Safe Insurance for Heritage
We’re not limited to one carrier, and that’s exactly the point. As an independent agency, we can write Heritage when it’s a genuinely strong fit for your home — but we’ll also show you how it compares against everything else we offer, so you’re deciding with the full picture, not just one quote.
Whether you’re comparing a Heritage quote for the first time or you already have a policy and want a second opinion, we’re happy to walk through it with you. Call 813-425-1626 or request a quote online — let’s find the coverage that actually protects what matters to your family.
Heritage Insurance FAQ
Is Heritage Insurance financially stable?
Yes. Heritage Property & Casualty Insurance Company holds an A (Exceptional) Financial Stability Rating from Demotech, most recently affirmed June 19, 2026. It’s not currently rated by AM Best, which is common for a carrier of its size and structure.
Does Think Safe Insurance write Heritage policies?
Yes. Think Safe Insurance is an independent agency authorized to write Heritage policies in Florida, and we can also compare Heritage against other carriers we work with when appropriate.
Where is Heritage Insurance based?
Heritage Insurance Holdings, Inc. is headquartered in Tampa, FL. It was founded in Florida in 2012 and has since expanded to write policies in 15 states.
What are Heritage’s Pillar and Pillar Plus packages?
Pillar and Pillar Plus are optional upgrade packages that bundle several commonly-added coverages — like replacement cost on personal property, water backup protection, and identity theft expense coverage — into a single endorsement, often at a lower total cost than adding each one individually. We’ll price it out both ways so you know which option actually makes sense for your home.
Does Heritage offer equipment breakdown coverage?
Yes. Heritage’s equipment breakdown coverage helps protect against unexpected repair costs for things like HVAC systems, water heaters, appliances, and electronics.
How do I file a claim with Heritage?
Call Heritage’s claims line directly at 855-415-7120, available 24/7, or visit their Claims Center online. After calling, you may also have the option to continue by text to share photos or updates.
 | Reviewed by Greg Martin Greg Martin has over 18 years of experience helping Brandon, Valrico, and greater Hillsborough County families navigate home, auto, and flood insurance in Florida. He is the owner of Think Safe Insurance. |
Last Reviewed: July 2026