Heritage Property & Casualty
NAIC #14407 · WWW.HERITAGEPCI.COM
Heritage Property & Casualty is an active, Florida-licensed residential property insurer (NAIC #14407, licensed since 2012). We have verified its licensing and contact details. Its coverage focus, underwriting appetite, and program details have not yet been verified by our research team.
Active & FL-Licensed Since 2012
NAIC #14407
FEIN 46-0694063Florida Availability
Covers Florida
Citizens Relationship
Not yet verified
Property Types
Not yet verified
Unique Programs
Not yet verified
Where Heritage Property & Casualty Writes Coverage
Heritage Property and Casualty is licensed to write property insurance across Florida.
Specific county-level availability has not been independently verified — confirm current openings with a Florida-licensed agent.
Heritage Property and Casualty holds an active Florida license to write property insurance. We have not independently verified which counties, policy forms, or programs are currently open for new business. A Florida-licensed agent can confirm current availability in your area, or you can browse all carrier profiles.
Key Takeaways
General Eligibility Considerations
What to confirm with Heritage Property & Casualty or an appointed agent
This profile provides public company information and a general checklist of factors to discuss before requesting a quote from Heritage Property & Casualty. It does not reproduce the carrier’s complete underwriting guide or determine whether a specific property or applicant will qualify. Current requirements may vary by program, policy form, county, property condition, applicant, and effective date. Confirm every eligibility question with Heritage Property & Casualty or a Florida-licensed agent appointed with the carrier.
Public Information
What public materials state about Heritage Property & Casualty
The entries below are limited to statements that appear in a linked public carrier document or public page. Each entry identifies the source and its date. A public statement may have changed since its source date or may apply only to a particular form, program, or territory.
Occupancy
HO3 | Florida homeowners
Heritage's Florida-specific HO3 page describes owner-occupied single-family homes, townhouses and duplexes. Confirm ownership, occupancy and the current program; this description does not establish acceptance of a fully tenant-occupied home.
Public source: Heritage, Florida Homeowners Insurance HO3 · undated live page · checked 2026-08-28
This public-source summary may not reflect later changes or apply to every address or applicant. Confirm current treatment with the carrier or an appointed agent.
Contents settlement
HO3 | Florida homeowners; personal-property settlement
Heritage's Florida HO3 overview describes actual-cash-value treatment for personal property. Ask which replacement-cost endorsement, if any, is included in the quote; contents do not automatically receive replacement-cost settlement.
Public source: Heritage, Florida Homeowners Insurance HO3 · undated live page · checked 2026-08-28
This public-source summary may not reflect later changes or apply to every address or applicant. Confirm current treatment with the carrier or an appointed agent.
CITIZENS RESOURCE CENTER
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FloridaHomeInsurances.com is an educational directory operated by J&C Agency LLC, a Florida-licensed insurance agency (Raymundo Guzman, FL license W512374). It is not an insurance carrier or underwriting decision-maker. Information on this site summarizes publicly available materials and general market considerations. General ranges are educational only; they are not a carrier’s complete underwriting guidelines, a quote, an offer, or a guarantee that a property or applicant will qualify. Availability, eligibility, pricing, coverage, forms, inspections, and documentation requirements can change and may vary by carrier, policy form, county, property, applicant, and effective date. Before relying on any figure or description, confirm the current requirement directly with the carrier or a Florida-licensed agent who is appointed with that carrier. The issued policy and the carrier’s current underwriting decision control.