About Heritage
Heritage Property & Casualty Insurance Company is a Florida-domestic homeowners insurer founded in 2012 and headquartered in Clearwater, Florida. It operates as a subsidiary of publicly traded Heritage Insurance Holdings, Inc., which has traded on the NYSE under the ticker HRTG since 2014. Heritage built its business underwriting hurricane-exposed coastal properties in Florida using catastrophe modeling and reinsurance to manage storm risk, and has since expanded its homeowners and commercial residential offerings into other coastal states along the Gulf and East Coasts. It offers homeowners, condo, and rental property coverage sold through independent agents.
Lines of Business
Heritage quick facts
| Financial strength rating | A (Exceptional) Financial Stability Rating from Demotech, affirmed September 14, 2026. Source: Demotech, Rating Information Disclosure Form (opens in a new tab); Demotech, Financial Stability Rating definitions (opens in a new tab). Checked October 14, 2026. |
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| NAIC company code | 14407 (Heritage Property & Casualty Insurance Company) Source: Florida OIR, Examination Report of Heritage Property & Casualty Insurance Company as of Dec. 31, 2021 (opens in a new tab). Checked October 14, 2026. |
| Home state (domicile) | Florida. Incorporated in Florida. Source: Florida OIR, Examination Report of Heritage Property & Casualty Insurance Company as of Dec. 31, 2021 (opens in a new tab). Checked October 14, 2026. |
| In Florida since | Incorporated in Florida on August 2, 2012; began business on August 17, 2012. Source: Florida OIR, Examination Report of Heritage Property & Casualty Insurance Company as of Dec. 31, 2021 (opens in a new tab). Checked October 14, 2026. |
| Citizens takeouts | Yes. The Florida Office of Insurance Regulation approved Heritage to take policies out of Citizens in 2013, 2014, 2015 and 2016. Source: Florida OIR, 2013 Take-Out Summary (opens in a new tab); Florida OIR, 2016 Take-Out Summary (opens in a new tab). Checked October 14, 2026. |
| How to report a claim | By phone at 855-415-7120. After the call you can continue by text and send photos or videos of the damage. Source: Heritage, Claims Center (opens in a new tab). Checked October 14, 2026. |
Ratings and Citizens takeout approvals change. Each fact links to the regulator, rating agency or carrier page we checked it on.
Getting a Heritage quote in Florida
Tell us what you need covered and we'll quote Heritage alongside our other carriers, then walk you through the differences in price and coverage. Heritage makes the final underwriting and pricing decision, and coverage can't be bound or changed through this website.
Heritage questions
Can Magnuson Insurance quote Heritage?
Yes. Magnuson Insurance, an independent agency in Lakeland, Florida, can quote Heritage for homeowners, condo owners, landlord, and general liability coverage and compare it side by side with the other carriers we work with. Heritage makes the final underwriting and pricing decision, and coverage can't be bound or changed through this website.
What is Heritage's claims phone number?
Report a claim to Heritage at 855-415-7120. If you're a Magnuson Insurance customer, you can also call us at (863) 606-5147 during office hours (Monday to Friday, 9:00am to 4:30pm) and we'll help you report it and follow up.
How do I pay my Heritage bill?
Heritage bills its policyholders directly, so pay through Heritage's online payment page (linked on this page) or the phone number on your bill. Magnuson Insurance's own Make a Payment page is only for invoices the agency sends you, such as broker fees.
Florida insurance guides
Magnuson Insurance is an independent agency licensed by the Florida Department of Financial Services (agency license L104700). Heritage's name and logo are its trademarks. Claims numbers and links are Heritage's own; your policy documents have the final word. Last updated October 7, 2026.