Heritage Insurance

Business Details

36 Years

experience

Your Trusted Insurance Partner in Lexington, KY

Heritage Insurance has been dedicated to providing exceptional insurance services since 1990, founded by Tom Mosgrove and Faye Carlucci. Our commitment to honesty, quality, and hard work drives every interaction as we prioritize client satisfaction across Lexington, Georgetown, Nicholasville, and Versailles, KY. With over 2,000 clients, we leverage a state-of-the-art computer management system to deliver fast, accurate quotes and policy adjustments tailored to evolving needs. As an independent agency, we represent a curated selection of reputable insurers, ensuring competitive pricing and comprehensive coverage. Our experienced team of account executives, including Alex Carlucci and Brant Perry, provides personalized service rooted in trust and transparency.

We specialize in auto, home, life, business, and workers' compensation insurance, addressing diverse client requirements with expertise. Our focus remains on fostering long-term relationships by delivering fair, prompt claims resolution and maintaining a client-first philosophy. This approach has solidified our reputation as a dependable partner in securing financial futures. Our office in Lexington, KY, serves as a hub for Central Kentucky communities, emphasizing local market knowledge and accessibility. By combining professionalism with a family-oriented ethos, we strive to exceed expectations in every policy and interaction.

Services

Auto Insurance Life Insurance Business Insurance Homeowners Insurance Workers Compensation Motorcycle Insurance Watercraft Insurance Flood Insurance Umbrella Insurance

Details

Year established: 1990

Highlights and features

We offer personalized insurance solutions tailored to your unique needs.
Our independent agency provides access to multiple top-rated insurance carriers.
We have served Central Kentucky communities for over 30 years.
Our team includes experienced account executives with local market expertise.
We guarantee fair, prompt claims resolution and transparent communication.

Website

Update Listing

Services

Auto Insurance

Heritage Insurance provides comprehensive auto insurance for cars, trucks, and road vehicles, ensuring protection against damage, liability, and injury. We tailor policies to balance affordability with adequate coverage, helping clients secure competitive rates through partnerships with top insurers. Our specialists assist in selecting optimal coverage limits and policy features to meet individual driving needs.

Life Insurance

We offer term, whole, and universal life insurance policies designed to protect loved ones financially in the event of death. Coverage helps pay off debts, fund education, or ensure long-term stability. Our agents work closely with clients to determine appropriate policy types and coverage amounts based on personal goals and family needs.

Business Insurance

Heritage Insurance delivers cost-effective business insurance, including liability, property, and workers' compensation policies. Coverage safeguards against operational risks, employee injuries, and property damage. We help businesses in Central Kentucky select tailored solutions to protect assets and comply with state mandates while maintaining competitive premiums.

Homeowners Insurance

Our homeowners insurance protects against damage to property and belongings from covered perils like fire, theft, and storms. Policies include liability coverage for accidents occurring on the property. We assist clients in customizing coverage to protect their homes while ensuring affordability through multiple carrier options.

Workers Compensation

We provide state-mandated workers' compensation insurance covering medical expenses and lost wages for work-related injuries or illnesses. Policies include rehabilitation services to help employees return to work. Our agency ensures businesses meet legal requirements while securing competitive rates through trusted insurance partners.

People

Alex Carlucci

President/Account Executive

Alex Carlucci leads Heritage Insurance with over 25 years of industry experience, focusing on client relationships and strategic growth while maintaining personalized service standards.

Brant Perry

Senior Account Executive

Brant Perry specializes in commercial insurance solutions, leveraging extensive risk management expertise to protect businesses across Central Kentucky with tailored coverage options.

Chris Lee

Senior Account Executive

Chris Lee provides expert guidance on personal insurance products, ensuring clients receive comprehensive coverage aligned with their life stages and financial goals.

Questions

What types of insurance do you offer?

We provide auto, home, life, business, workers' compensation, motorcycle, watercraft, flood, earthquake, umbrella, and renters insurance for individuals and businesses in Central Kentucky.

Are you an independent insurance agency?

Yes, we're independent and partner with multiple top-rated insurers to find you the best coverage options and competitive rates tailored to your needs.

How can I get a free insurance quote?

Visit our website to request a free quote online or call 859-219-1122 to speak with an agent who'll help you compare options and choose the right policy.

Do you serve areas outside Lexington?

We serve Georgetown, Nicholasville, Versailles, and surrounding communities in Central Kentucky, providing personalized insurance solutions to residents and businesses.

What sets Heritage Insurance apart from competitors?

Our client-first approach, local expertise, 30+ years of experience, and access to multiple insurance carriers allow us to deliver personalized service and comprehensive coverage options.

Reviews (7)

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David Waldrop

Nov 24, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
I engaged Heritage last month for a quote on our insurance package. Kim was very responsive and professional, and we moved our insurance to Erie Insurance quickly, and saved money!

Neal Dornbusch

Oct 23, 2021 Report

We've used Heritage Insurance for over 10 years and will continue to do so! Alex and Kim are both a joy to work with. As an independent insurance agency representing many companies, we always find ways to save with regular insurance reviews while retaining top notch coverage. On the occasions when we've needed to make a claim, the office is very responsive and our claims are handled with expedience and care. We highly recommend Heritage Insurance to family, friends, and acquaintances alike!

Mark VonderHaar

Oct 21, 2021 Report

Positive:Professionalism,Responsiveness,Value
I have both my homeowners and auto insurance through Heritage Insurance and am extremely pleased with their cost effectiveness and excellent service. I would highly recommend them for your insurance needs.

Carie G.

Oct 14, 2021 Report

I highly recommend Heritage for all your insurance needs! Ive gotten all my coverages (home, auto, umbrella, life) through them and have for years, and I cant sing enough praise about their level of expertise, pricing, product recommendations. But over and above that, its their personal touch that is for me the differentiator. When a drunk driver crashed into my home, Alex and Kim reassuringly and compassionately helped me through the process. Kim saw me through my kids teenage driving years and now assists me with my elderly mother. Working with Heritage Insurance brings me so much

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Sep 30, 2021 Report

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Terrin Vann

Sep 26, 2021 Report

Bought our first home in 2021, Heritage Insurance Agency made getting our Home Owner's Insurance very easy. They were extremely responsive and even helped me correct a mistake on my end in getting the mortgage company our updated policy. Thank you!

Charlie Brubeck

Sep 26, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
Alex and his team are great to work with. They always take the time to talk with me about our insurance.