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Preserving Legacy With Quality Insurance Since 1978

Proudly protecting the heritage of the land, property, and people we insure.

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Heritage Insurance Agency

Proud to serve our Northern California community.

Heritage Insurance Agency delivers more than just a policy. Specializing in farm, agribusiness, and commercial insurance coverage, our team of trusted insurance professionals are committed to helping you find a policy that fits your needs.

We focus on providing personalized attention and quality customer service to create an experience that’s difficult to find in today’s market. We continually extend our knowledge and our experience so clients can trust us to find the most appropriate solutions possible. We put forth the focus of our business on our clients and work with you to ensure that you and those you care about most are protected.

Who We Are

A Reputation You Can Depend On

Check out our reviews and see why you should switch to Heritage Insurance Agency.

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“We love and highly recommend Heritage Insurance Agency. Simply the best customer service you can find and great staff working there as well. Steve and Kelly are kind, honest people who conduct their business in the same manner.”

– Berton and Carol Bertagna
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There are a few beliefs we hold deeply at Heritage Insurance Agency. These statements describe the attitudes and actions you can anticipate when you work with us.

About Our Agency
  • We believe in taking care of our family of clients, our team, and our community.
  • We believe the relationship matters more than the transaction.
  • We believe that respect and genuine concern for the well-being of others has to be central to all we do.
  • We believe in providing you with what you need when you need it.
  • We believe in thinking about insurance all the time so you do not have to. We are insurance nerds and proud of it.
  • We believe in ongoing personal and professional development to best serve our clients.
  • We believe that trust is earned.
  • We believe you deserve excellent service from people you enjoy working with.

Agribusiness Solutions

Grow your business while protecting your livelihood.

Some policies will cover everything, while others will specifically protect either your personal dwelling and possessions or the equipment and buildings used in your agricultural business. In the latter case, we’re here to help you identify the individual risks you need to protect.

Pasture, Rangeland, Forage

The Solution to Your Insurance Needs

Providing a variety of insurance solutions is what Heritage Insurance Agency does best.

Business Insurance

Coverage and risk management solutions for companies of all sizes.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Employee Benefits

Coverage that can help attract, retain, and protect your team.
Interactive Graphic

Click it. Read it. Cover it.

Get a glimpse of the risks you face and how your insurance can protect what matters most.

ATV / Utility Vehicles
Risk Factor

Utility vehicles or ATVs designed for use on farms can increase liability. This is mainly because these vehicles are known to be associated with high-risk behaviors, such as operating the vehicle without the use of protective equipment.


If you routinely ride your ATV or utility vehicle, be sure to always use good judgment and wear proper protective equipment, such as a helmet. Additionally, avoid behaviors that are known to increase risk of injury, such as riding on roads that are intended for automobiles.

Products Liability Exposure
Risk Factor

Say, for example, that the beef produced from the cows raised or kept on a farm causes illness in a consumer when it’s eaten.


To combat this risk, add an endorsement that modifies your insurance policy to protect you from these potential mistakes.

Foreign Object Ingestion Coverage
Risk Factor

Equipment used on a farm has a high risk of mechanical breakdown. For example, a farmer's combine or chopper could ingest a rock causing equipment failure.


Add Foreign Object Ingestion coverage so the repairs on your combine or chopper will be covered on your policy. Ask your agent if your policy has this coverage since it is not "automatic" on most farm policies.

Coverage for Peak Season
Risk Factor

During harvest, a farmer often stores grain in grain bins, and this grain usually sells within a few months. Coverage is needed while the grain is on-site, but it could get expensive to fully maintain this coverage during the rest of the year when no grain is present on the farm.


Cover the grain under peak season. This option tailors your coverage to provide increased amounts of insurance during the months in which you have grain on your farm. This type of coverage can be applied to any harvested crop, not just grains.

Risk Factor

Pollution is an increasing risk that can occur due to the improper storage or application of pesticides and fertilizers, runoff, and above ground or underground storage tanks.


It is difficult to control pollution risks on your farm, but it is not impossible. You can protect yourself against this type of risk by obtaining environmental insurance that provides protection for both bodily injury and property damage caused by a farm pollution incident.

Risk Factor

What happens when your farm faces a large liability loss that exceeds the basic limit of your standard policy?


A commercial umbrella insurance policy increases your liability limits by adding protection over and above your current farm policies - providing real financial value, as well as priceless peace of mind. Commercial umbrella insurance is available either by an endorsement to your farm policy or as separate coverage.

Care, Custody, and Control
Risk Factor

If you're caring for livestock owned by others on your farm and an unfortunate event occurs causing the death of some or all of this livestock, you may be held responsible.


To protect yourself and your farm from this type of risk, add care, custody, and control to your insurance policy as an endorsement.

Custom Farming / Business Activity
Risk Factor

Does your farm provide services for others? If so, you may be held responsible for the business activities related to these services.


To protect yourself from any type of incident relating to these business activities, add an endorsement for custom farming to your insurance policy.

Field Crops
Risk Factor

There are many uncontrollable factors that affect the growth of field crops, such as weather. Are you prepared for what might happen if your crops are devastated by an uncontrollable incident?


You can protect your livelihood and investment from this type of unavoidable risk with the addition of multi-peril crop insurance.

Risk Factor

If you have a barn or farm structure, a loss to these structures can be catastrophic, potentially putting the farm out of business.


Be sure you have adequate property coverage to protect your farm from potential catastrophic loss.

Glass Coverage
Risk Factor

If your tractor, combine, harvester, or other farming equipment has cab glass, that glass could break. It can be an expensive repair and cause your equipment to be unavailable for an extended amount of time.


Be sure you have coverage to help pay for repairs or other service work for broken glass.

Farm Insurance 101

Make sure you cover the unique risks you face with farm insurance.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.
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Find even more interactive graphics for winery insurance, business owners insurance, and auto insurance.

The Advantage of an Independent Agency Working for You

What makes our independent agency different?

We represent multiple insurance companies.

We are licensed insurance advisors.

We are by your side every step of the way.

We are there for you in your time of need.

Find Out How

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Chico, CA

290 Airpark Boulevard
Chico, CA 95973

We proudly serve Northern California and extend solutions throughout CA, ID, NV, and OR.

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