American Heritage Insurance Agency, Inc. is an “independent agency” representing both national and regional carriers who offer all major lines of personal insurance. Our personal insurance agents will review your exposures to risk and recommend the best combination of coverages suited to your specific needs at a competitive price.

Our personal lines department also tailors insurance as your needs change. We look for the most cost effective solutions to provide you with adequate property and liability coverage as your personal risks evolve.

We also recognize that insurance programs of individuals and families vary greatly. Families with teenage drivers have different insurance needs from families nearing retirement. Young couples just starting out in an apartment have very different needs from an “established” family with several autos and a house with a swimming pool..

Our job to provide you with a competitive insurance program includes recommending the proper combination of important coverages for property, liability, and automobile risks. We will as “independent agents” representing multiple companies “shop” for you by:

1. Reviewing limits on your dwelling, personal property, and collectibles.
2. Explaining the benefits of scheduling valuable items such as artwork, jewelry, coins, silverware, antiques and other collectibles and review limits for these items on your current policy(ies)
3. Assessing risks and recommending coverages suitable for items such as swimming pools, trampolines, dirt bikes, ATV’s, snowmobiles, boats, and jet skis.
4. Reviewing your automobile liability limits and physical damage deductibles.
5. Advising on “optional” automobile coverages such as towing, transportation expense, loan/lease gap and replacement cost coverage (for the new model year) .
6. Looking for discounts on auto, homeowners and other policies. These may include good student or loss free discounts on auto, credits for combining home and auto, or credits for sprinklers, fire
or burglar alarms on homes, and many others.

If you have an in-home business we are familiar with company rules and what types of businesses may or may not be covered by your personal insurance policy.

We offer products for:

Automobile: Personal, Classic, Exotic or Antique
Homeowner: Primary and Secondary residences
Recreational Vehicles: Motorcycles, Motor Homes, Trailers, and R.V’s
Personal Property: Valuable Articles, Collections, Fine Arts, Guns, Jewelry, Silver, China, and Antiques
Personal Umbrellas (for extra liability protection)

New home? New car? New ring? Or just looking for better pricing or advice?
Please contact our personal lines representatives for a review and competitive quotation for your insurance.

You may save money, or you may just find insurance protection that you never had!

 

*We are not affiliated with American Heritage Life Insurance Company, 800-521-3535

American Heritage Insurance Agency, Inc.

1643 Liberty Road
Suite 201-202
Eldersburg, Maryland 21784
Phone 410-552-1200
Fax 410-552-1270