Heritage Insurance Agency, Inc. provides smart, easy insurance solutions that help you stay focused on what matters most.
Learn About Heritage Insurance Agency, Inc.
One-size-fits-all doesn’t apply when it comes to insurance, which is why each of our clients gets our undivided attention. We take a proactive approach when helping you develop a strategy to address your insurance needs, whether that’s for your yourself, your family, or your business.
We recognize that everyone encounters challenges along the way and strive to anticipate those situations as they occur. Our only goal is to keep you and your loved ones protected with the policies you need so you can stay focused on what matters most.
Covering New York and Beyond
From our offices in Cicero, NY and Baldwinsville, NY, we proudly serve clients throughout New York and many other states. Get in touch today to see how we can help protect what matters to you.
The Solution to Your Insurance Needs
Heritage Insurance Agency, Inc. offers a variety of personal insurance, business insurance, and employee benefits solutions to help you protect what matters most.
The Independent Agency Advantage
What makes our independent insurance agency different?
We offer a wide variety of insurance solutions.
We are there for you in your time of need.
We are by your side every step of the way.
We are licensed insurance advisors.
An Independent Agency Gives You Options
We proudly represent Erie Insurance, Safeco, and more!
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.
The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.
Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.
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Manage Your Policies
Already a client of Heritage Insurance Agency, Inc.? Visit our Service Center to make requests and manage your insurance.
Our Clients Rave About Us
Check out our reviews and see why you should switch to Heritage Insurance Agency, Inc.
“Always gets back to me with the information needed for the coverage I want for my business. Plus knowing I am a small business it has to be the right price.”
Thomas O.
“The staff are very professional and always willing to go the extra mile to help with our insurance needs. Very friendly atmosphere.”
Lynette B.
“I have only used this insurance agency since I first needed insurance. I would never switch because of their knowledge, prices, friendliness, and professionalism!”
Nancy J.
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