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530.894.3276

Property Insurance

Strength and Stability for Your Home.

Your home is your sanctuary. It’s a dependable shelter that keeps you and your family safe, and it’s the place where memories are made. For most people, a house represents the biggest financial and emotional investment they’ll ever make. With the right Property Insurance plan, you can protect your investment and your personal property from whatever life throws your way.

Every Home Insurance policy is different, and at Heritage Insurance Agency, we’ll work with you to make sure that your policy fits the needs of yourself and your family. Property Insurance may insure your home from the following types of damage:

  • Fire and Lightning
  • Collisions from Vehicles or Aircraft
  • Hail
  • Sewer/Drain Backup
  • Windstorm
  • Vandalism
  • Volcanic Eruption
  • Smoke
  • Freezing Conditions or Snow

Property Insurance Options to Consider

There are many additional coverage types that are available to safeguard your home and belongings, and it’s important to talk with a representative from Heritage Insurance Agency who can help you find the right policy.

Options such as Personal Property Insurance and Flood or Earthquake Insurance may not fall under a standard Homeowners policy. In the event of an accident or theft, Personal Property can pay the actual cash value (ACV) or replacement cost of personal content items or articles like furniture, appliances, and clothing.

Other items that may be included are Builder’s Risk while your home is being built or reconstructed, and insurance for damage to pertinent/detached structures.

Another important feature to consider in your Homeowners policy is Dwelling Replacement Coverage. If a fire or other accident leaves your home a “total loss,” this coverage provides for the cost of replacing your home at its current value, rebuilding to code, and Ordinance & Law.

As is the case with many other features of Home Insurance, additional coverage can vary greatly depending on your policy, which is why it’s important to discuss your individual insurance options with Heritage Insurance Agency before making a decision.

Our Location

Chico

290 Airpark Boulevard
Chico, CA 95973
Main office: 530-894-3276

Our Providers

"We do business with Heritage Insurance Agency for the excellent, personal customer service we receive. They are there when we need them." Debbie Hobbs-Floors By Ray
Debbie Hobbs-Floors By Ray
"My experience with Heritage, formerly Wagner Insurance Agency has exceeded my very high expectations. They are courteous, knowledgeable, responsive, and genuinely interested in matching their clients with the right coverage at a very competitive price. I was attracted by their ability to meet all insurance needs under “one roof.” But when I found out they could do so while upgrading my coverage and STILL save me money, I knew I had found a special place. Kudos to Steve, Dana, and the rest of the team at Heritage for putting the customer first!" -Lawrence Fowler
Lawrence Fowler
"It isn't what we say about ourselves that matters, it's what others say about us that matters most." -Agency Principal, Steve Mora
Agency Principal - Steve Mora
"Our family farm selected Steve and his team at Heritage Insurance because of their commitment to each client. Valuing the person not the policy, Heritage Insurance works with you individually to obtain the best policy that fits your needs. They are quick to obtain the needs of each client and work diligently in doing so. Steve and Kelly are actively involved in many events directly connecting them to the community." -Theresa Schneider, A&J Family Farms, Inc.
Theresa Schneider - A&J Family Farms, Inc. Chico, CA
"Heritage Insurance Agency has not only provided our families with dependable insurance coverage but most importantly provided us with peace of mind with their knowledge and great service. Steve and his staff are attentive to all our needs for our auto, farm business, worker's comp, crop and even health insurance...they got us covered! I appreciate knowing they are always looking out for us-just like family." -Carolina Burreson, Burreson Farms
Carolina Burreson, Burreson Farms, Orland, CA
"We have been associated with Steve Mora and his family for over 30 years. Because of that personal relationship we were very comfortable in assigning to him all our insurance needs, even though separated by considerable distance. Our coverage includes auto, health, residence and several ranch properties plus an umbrella policy. In this modern age of technology our need for security and the peace of mind that goes with it has been well served by Heritage Insurance Agency." -Eve and Glenn Cherry
Eve and Glenn Cherry, Templeton, CA
Whenever you have a problem or a claim, Steve and Kelly act quickly and you will have an answer immediately. In all the years I have been with Heritage, formerly Wagner Insurance, they have been there to ensure wonderful service and that my claims are handled promptly. They always put the costumer first. I like working with Heritage Insurance because they are a versatile agency that handles all types of insurance needs from Farm, auto, commercial to health and life. - Michael Pearson P & S Farms
Michael Pearson P & S Farms
"Steve always takes the time to educate me and explain my options in a way that makes me confident that he has my best interests at heart. The personalized service you receive on the phone, or the warm welcome you experience when you walk into the office, leaves you feeling as if you are part of the family, instead of a name on a file." -Lisa Mehoff
Lisa Mehoff