# Heritage Insurance Group

> 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.

## Services
- **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, pl
- **Business & Commercial Lines** — General liability, commercial property, BOP packages, professional liability, cyber, workers’ comp, and commercial auto for owner-operated businesses. We understand industry-specif
- **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 
- **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 r

## Frequently asked questions
### 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.

## Contact
- Phone: +13175550162
- Email: quote@heritageinsgroup.example
- Address: 3850 Priority Way South Dr, Suite 200, Indianapolis, IN, 46240
- Service area: Indianapolis · Carmel · Fishers · Noblesville · Zionsville · Greenwood
- Website: https://www.fastdigitalmarketing.com/examples/insurance

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