About First Heritage Insurance Agency Inc.
Our Insurance Products
Taking the time to understand auto insurance concepts, like the difference between "collision" and "comprehensive" coverage, can be frustrating when you are trying to shop on your own and you just want to know what kind of protection you will get. That's why First Heritage Insurance Agency Inc. prioritizes communication with clients, so our agents can translate industry terms into coverage explanations that leave drivers in Melville feeling confident they have exactly the coverage they need.
Starting with basic liability insurance and adding features until you have a personalized plan to address your needs means understanding the differences between drivers, car styles, and vehicles in different stages of their operating life. First Heritage Insurance Agency Inc. works with Nationwide to construct policies that meet your needs with options like comprehensive coverage against damage while parked or even robbery.
If you have questions about coverage options and policies, talk to one of our agents by calling us at (631) 659-2889. You can get answers, make a purchase over the phone, or schedule an in-person consultation meeting in our office at 324 S Service Rd.
For years, First Heritage Insurance Agency Inc. has been helping homeowners safeguard their most valuable possessions. We are a fully licensed Nationwide Insurance agency, and when you allow us to provide you with home insurance, you will be gaining access to some of the best customer service in the country. Nationwide home insurance protects your home in the event of theft, natural disaster, water backup, and other occurrences. Our insurance policies not only have the ability to protect your home and other structures on your property, but they also extend coverage to the items inside of your home that you worked so hard to acquire.
Additionally, if you are interested in personal liability insurance, we are more than confident we can provide you with an option that fits your needs and budget. A personal liability policy may help pay for covered instances in the event someone sustains an injury or causes damage on your property. If you prefer broader, more comprehensive coverage, consider purchasing one of our umbrella policies. An umbrella policy is designed to protect you from claims and lawsuits beyond your standard policy limits, as well as, cover claims that may not be covered under your other liability policies.
First Heritage Insurance Agency Inc. has an in-depth understanding of our Nationwide home insurance products and other personal liability policies. Find us in Melville at 324 S Service Rd. Our agents are highly trained and are capable of answering all of your questions about home insurance policies. Call First Heritage Insurance Agency Inc. at (631) 659-2889 to explore your insurance options.
Bringing home a new baby, like many of life’s happy events, also brings on new responsibilities. New obligations can be more easily shouldered if you take steps now to plan ahead. In order to provide long-term financial security for your family, you need a Melville life insurance agent who can help you understand the types of life insurance that best suit your family’s needs.
The agents at First Heritage Insurance Agency Inc. will help you safeguard your family’s future by helping you select the right life insurance. We will explain term versus permanent insurance and answer all your questions. We are here to help you assess your needs and will explain the difference between whole life insurance and universal life insurance.
Our agency will help you determine the appropriate level of coverage for you and your family. There are several considerations when deciding the amount of coverage you need. Besides funeral and burial costs, you should consider current debts such as your mortgage, car loans and credit card debt.
You may also want to include child care and long-term educational expenses when figuring coverage amount. Whether your family has one or two sources of income, you should think about covering lost income for a specified number of years. We will also help you determine the number of years for which you need coverage.
Whether you have a new baby on the way, or you brought your baby home several months ago, now is the time to plan for life’s eventualities. Call First Heritage Insurance Agency Inc. at (631) 659-2889 or visit us at 324 S Service Rd. We will be happy to work with you to make sure your family’s financial security is always protected.
Exponential growth is an important goal of many business owners, and can also be a sign of success. Accelerating your operation to that breakthrough point takes planning and solid management. Knowing how to assess risk and how to cover it so that you smooth over challenges on the way to attaining that success is key, and First Heritage Insurance Agency Inc. understands that and works with Nationwide to bring you an adaptable and complete small business coverage in Melville.
The first step in planning out the right coverage is understanding the unique features of your company, including its size and assets as well as the basic risk factors involved in the industries you operate within. An On Your Side® Review by First Heritage Insurance Agency Inc. is designed to do this. They reveal both the basic policies and the extended options that you need to make sure you have the right coverage, from accounts receivable insurance to product liability coverage for any goods you manufacture.
To get things started, First Heritage Insurance Agency Inc. recommends a business owner's policy, which is the closest available option to comprehensive coverage. From there, other coverages for important properties and assets can be worked out according to whether or not the plan already provides for them. Getting the process started is easy. Just call (631) 659-2889 to make an appointment for a consultation at 324 S Service Rd. You can also get your questions answered and buy policies over the phone, so if you know what you need, get in touch with an agent today.
Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center.
The First Heritage Insurance Agency Inc. also offers products in CA, CT, FL, GA, IL, IN, KS, MD, MA, MI, MN, NV, NY, NC, OH, OK, PA, SC, TX, VT, VA, KY, NJ. Please call for information on products in those states.
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