Independent Insurance Agent · Charlotte, NC

Coverage That Keeps Its Promise.

Heritage Insurance Group is a Charlotte independent agency representing 20+ carriers. We find the coverage that actually fits — not just what one company sells.

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Licensed Insurance BrokerAuto, Home & LifeLocal AgentsFast Claims Support

Trusted Carriers & Partners

STATE FARMTRAVELERSHARTFORDNATIONWIDEPROGRESSIVEALLSTATECHUBB
4,500+Policies Written
22 YrsExperience
30+Insurance Carriers
4.9★Client Rating

Coverage We Offer

The right coverage for every situation.

As an independent agency, we work for you — not for any single insurance company. That means we shop 20+ carriers to find the coverage and price that actually makes sense.

Modern SUV on the road representing auto insurance coverage

Auto Insurance

Personal auto, teen drivers, high-value vehicles, and classic cars. We compare rates from 15+ auto carriers to find you the right combination of price and coverage — not just the minimum.

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Bright, updated living room interior representing homeowners insurance coverage

Homeowners Insurance

Standard HO-3 policies, high-value homes, coastal coverage, and condo policies for Charlotte metro. We make sure your dwelling limit actually reflects rebuild cost — a number most policies understate.

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Modern office interior representing commercial business insurance

Business Insurance

General liability, commercial property, BOP policies, workers comp, and professional liability for Charlotte small businesses. We specialize in restaurants, contractors, and professional service firms.

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Family together representing life and health insurance

Life & Health

Term life, whole life, and group health for small employers. When you're shopping for life insurance, you need someone whose job is finding you the best policy — not selling you the one their company makes.

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Coverage Comparison

Choose the coverage that fits your needs.

Heritage shops 20+ carriers to find the best rate for the tier you choose. Most of our auto clients land on Standard — it covers the scenarios that actually happen without paying for what they don’t need.

FeatureBasicRecommendedStandardComprehensive
Liability CoverageState Minimum$100K/$300K$250K/$500K
Collision Coverage—✓✓
Comprehensive Coverage—✓✓
Uninsured Motorist—✓✓
Roadside Assistance—✓✓
Rental Reimbursement——✓
Accident Forgiveness——✓
New Car Replacement——✓
Get a free quote →Quote BasicQuote StandardQuote Comprehensive

Why Independent

The difference between independent and captive.

Most people don’t know there are two kinds of insurance agents. Understanding the difference could save you hundreds of dollars and a lot of frustration at claim time.

We shop multiple carriers

A captive agent (State Farm, Allstate, etc.) can only quote one company. We compare 20+ carriers simultaneously, then show you the options — not just one price.

We work for you at claim time

When you have a claim, your independent agent advocates for you with the insurance company. Captive agents work for the carrier. That distinction matters on a bad day.

We can move your coverage if rates increase

If your carrier raises your premium significantly at renewal, we re-shop the market without you having to start over with a new agent. Loyalty to you, not to one company.

Local and accountable

We've been in Charlotte since 2001. When you call, you reach someone who knows your file — not a national 800 number.

The Team

People who know your policy.

Michael Heritage, owner of Heritage Insurance Group in Charlotte NC

Michael Heritage

Owner · 22 Years Experience

Michael founded Heritage Insurance Group in 2001 after 7 years at a captive agency. He specializes in commercial lines and has placed coverage for some of Charlotte's most complex small business risks.

Anna Lee, commercial lines specialist at Heritage Insurance Group

Anna Lee

Commercial Lines Specialist

Anna handles business owners policies, workers comp, and professional liability for Heritage's commercial clients. She holds a CPCU designation and has 14 years of commercial underwriting experience.

Client Stories

What our clients say.

★★★★★

“We switched to Heritage after our State Farm rate jumped 28% at renewal. Michael re-shopped our auto and home bundle and found coverage with better limits for $340 less per year. I wish we'd called sooner.”

GM

Greg & Tina M.

Homeowners, Charlotte NC

★★★★★

“When a pipe burst in our second floor and flooded the kitchen below, we called Heritage at 8pm on a Friday. Michael picked up, walked us through the claim process, and called the adjuster himself Monday morning. That's what a local agent means.”

SP

Sandra P.

Homeowner, Myers Park

★★★★★

“Anna put together our BOP when we opened the restaurant and was honest about what we actually needed vs. what was overkill. Three years in, we've had one claim and Heritage handled it completely. I've referred four other restaurant owners.”

JR

James & Diana R.

Restaurant Owners, NoDa

Service Area

Serving Charlotte & Surrounding Communities

Heritage Insurance Group proudly serves clients across the greater Charlotte metro area.

CharlotteBallantyneSouthParkUptownUniversity CityMyers ParkDilworthNoDaMatthewsMint HillMonroeRock Hill

FAQ

Common questions.

What's the difference between a captive agent and an independent agent?
A captive agent works exclusively for one insurance company (State Farm, Allstate, Nationwide, etc.) and can only quote that company's products. An independent agent like Heritage represents multiple carriers — in our case, more than 20. That means when we quote you, we're shopping the market, not just running your information through one underwriting system. At renewal, if your current carrier raises rates significantly, we can re-shop without you having to find a new agent.
Can I save money by bundling my auto and home insurance?
Usually yes — most carriers offer multi-policy discounts of 5–15% when you write both auto and home with the same company. But bundling only makes sense if that carrier is also competitive on both lines individually. We run the bundle math and the individual policy math and show you the actual comparison. Sometimes the bundle wins clearly; occasionally two separate carriers are cheaper overall. We tell you which is which.
How do I file a claim? Do I call Heritage or the insurance company directly?
You can do either — but calling Heritage first is often faster and less stressful. We know your policy, we know the claims contacts at your carrier, and we can help you document the loss correctly before you call. For emergencies (fire, major water damage, auto accident), call 911 first, then call us. Our after-hours number reaches someone who can help. We stay involved throughout the claim process to make sure you're treated fairly.
Do I need umbrella insurance?
Umbrella insurance extends your liability coverage above the limits on your auto and homeowners policies — typically adding $1–5 million in protection for $150–300 per year. It's particularly valuable if you have assets worth protecting, have teen drivers on your auto policy, own a pool or trampoline, or have significant online visibility. We recommend umbrella coverage to most of our personal lines clients because the premium is low relative to the protection it provides.

Our Carrier Network

20+ carriers. One call.

As an independent agent, Heritage shops this full carrier network for every quote. Here’s which carriers we represent — and what lines each one covers.

CarrierAutoHomeBusinessLifeRating
Travelers✓✓✓–★★★★★
Progressive✓✓––★★★★★
Nationwide✓✓✓✓★★★★★
Safeco✓✓––★★★★★
Auto-Owners✓✓✓✓★★★★★
Hartford––✓–★★★★★
Chubb✓✓✓–★★★★★
CNA––✓–★★★★★
Cincinnati Fin.✓✓✓✓★★★★★
Principal–––✓★★★★★
Protective Life–––✓★★★★★
AIG–✓✓✓★★★★★

+ 8 additional specialty and regional carriers available for non-standard risks. Ratings reflect Heritage’s internal claim-service assessment based on 22 years of placements.

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