Independent by designGuidance beyond a single carrier
Independent insurance advisors
One advisory team. More ways to protect what you’ve built.
Heritage Point Advisors helps families and businesses compare coverage options, understand the tradeoffs, and move forward with confidence.
Personal + commercialIndependent guidanceResponsive supportCoverage explained clearly
HP
Our purposeProtecting what matters.
Guiding your future.
Guiding your future.
Coverage, connected
Insurance should work together—not live in separate conversations.
We look across the personal and commercial sides of your life so you can make informed decisions with fewer gaps, less confusion, and a team that understands the whole picture.
Personal insurance
Protection for the life you’re building.
Bring your home, vehicles, valuables, and personal liability into one clearer coverage conversation.
- Home & auto
- Umbrella
- Life insurance
Business insurance
Coverage built around how you operate.
Protect your property, people, vehicles, and liability with guidance shaped around the realities of your business.
- General liability
- Commercial auto
- Property & workers’ comp
Ongoing guidance
An advisor beyond the policy purchase.
As your needs change, we help review coverage, answer questions, and keep the bigger picture in view.
- Policy service
- Coverage reviews
- Claims guidance
The independent difference
Built to advise.
Free to compare.
We are not tied to one insurance company. That means the conversation starts with your needs—not a predetermined product.
Why independence matters →Understand the full picture
We start with the people, property, obligations, and operations behind the policy.
Evaluate available options
We help compare coverage choices and explain important differences in plain language.
Stay involved as needs change
Our relationship continues through policy service, reviews, questions, and claims guidance.
Commercial risk, clearly approached
Your business is complex. Your insurance conversation shouldn’t be.
From a growing contractor to a portfolio of properties, we help uncover exposures and organize protection around the way your company actually works.
Explore Business Insurance →A clear path forward
Better coverage starts with better questions.
Tell us what matters
Share a few details about your family, property, vehicles, or business.
Review your options
We evaluate available choices and explain the differences clearly.
Move forward confidently
Choose the protection that fits, with a team ready to support you.
Start the conversation
Let’s build a clearer insurance strategy.
Tell us what you need to protect. We’ll help you understand what comes next.