Serving Indianapolis, IN
Independent multi-carrier insurance agency — 12 carriers, 31 years on your side of the table, annual policy reviews so you find out about coverage gaps before a claim does.
Independent multi-carrier insurance agency serving Greater Indianapolis since 1995. Twelve top-rated carriers, annual policy reviews so you find out about coverage gaps before a claim does, and an actual person who answers the phone when something happens.
By the Numbers
Years Independent
Households Insured
Independent Agency
Google + Yelp
Policy Reviews
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The Reality
If your premium just jumped 30%, you’re not alone.
These are the situations we help Indianapolis customers solve every week.
- →Your auto and home renewal hit you with a 28% increase and you have no idea why
- →You called your captive agent and got transferred three times, then a callback that never came
- →Your home was rebuilt at 2018 prices and you’re still insured at 2018 dwelling coverage
- →You bought a $400K umbrella policy ten years ago and your net worth has tripled since
- →You filed a small claim two years ago and now nobody seems to want to write your home anymore
Our Services
What we cover.
Service · 01
Auto, Home & Umbrella
Personal auto, homeowners, condo, renters, and umbrella policies through twelve top-rated carriers. We shop annually at renewal — most clients see a 10–25% reduction at re-shop, plus better coverage limits and broader endorsements than their captive carrier offered.
Service · 02
Business & Commercial Lines
General liability, commercial property, BOP packages, professional liability, cyber, workers’ comp, and commercial auto for owner-operated businesses. We understand industry-specific endorsements that matter (manufacturer’s product recall, contractor’s tools and equipment, professional services E&O).
Service · 03
Life, Disability & Long-Term Care
Term and permanent life insurance for income replacement, key-person, buy-sell, and estate planning. Individual and group disability for income protection. Long-term care policies and hybrid life-LTC products. Honest needs analysis — we’ll tell you when you don’t need coverage as much as someone tried to sell you.
Service · 04
Annual Policy Review & Coverage Audits
Every household and business client gets a written annual policy review at renewal — coverage limits vs current asset values, deductible analysis, gap identification, and re-shop recommendations. The single most valuable thing an agent does for you, and it’s included.
The Difference
Why we’ve had multi-generation families with us for 25+ years.
Independent, Not Captive
We represent twelve carriers, not one. When your captive’s rates jump 30%, you’re stuck. When ours do, we shop you to the next-best fit at the same agency. The relationship doesn’t move; the carrier does.
We Actually Read Your Policy
Coverage gaps live in the endorsements, deductibles, and exclusions. We read the policy with you at issuance and again every year — most clients learn their policy actually covers something they didn’t know about (or that it doesn’t cover something they thought it did).
We’re Here at Claim Time
Most agents go quiet when you have a claim. We don’t. We help you file properly, advocate when an adjustment is light, and refer you to public adjusters or attorneys when a claim warrants it. We win some, we lose some, but we’re always at the table.
Coordinated With Your Financial Pros
We coordinate with your CPA on deductibility, your attorney on entity-titling and umbrella structure, your financial advisor on life-insurance estate planning. Insurance is one piece of a financial picture, not a standalone product sale.
Common Questions
You probably want to know.
How does the quote process work?+
30-minute initial conversation about your current coverage and life circumstances. We pull current declarations pages and compare across our twelve carriers. You receive written side-by-side comparisons within 5 business days showing coverage, premium, and our recommendation. No-pressure decision on your timeline.
Will I save money switching to you?+
Most clients see a 10–25% reduction at first shop, plus better limits and endorsements. Sometimes the answer is your current coverage is actually a great deal and we’ll tell you to stay where you are — but we’ll also recommend coverage adjustments. Honesty is why we’ve been here 31 years.
What if I file a claim?+
Call us first, before the carrier. We’ll walk you through whether to file, what documentation to gather, and what to expect from the adjuster. We stay involved throughout — most adjusters know our agents by name. If we think the carrier is shorting you, we say so.
How often should my coverage be reviewed?+
Annually at renewal at minimum. More frequently when life changes — purchasing real estate, marriage, kids, business changes, retirement, inheritance, or any move into a higher net-worth bracket. We schedule the annual review automatically; you can call for an interim review anytime.
Do you offer reviews of policies you didn’t write?+
Yes — we do free policy reviews for prospective clients. Bring your current declarations pages and we’ll give you a written analysis of what’s covered, what’s missing, and where the gaps are. Even if you don’t move your policies to us, you’ll know exactly what you have.
Get an annual review. Catch the gaps before your next claim does.
Free policy review for new prospects, free annual review for clients. Bring your declarations pages — we’ll provide a written gap analysis at no charge regardless of whether you decide to move your coverage.
📞 (317) 555-0162Visit Us
Indianapolis, IN
Heritage Insurance Group
3850 Priority Way South Dr, Suite 200
Indianapolis, IN 46240
Phone
(317) 555-0162Service Area
Indianapolis · Carmel · Fishers · Noblesville · Zionsville · Greenwood