Business Details
36 Years
experience
Your Trusted Insurance Partner in Lexington, KY
Heritage Insurance has been dedicated to providing exceptional service and comprehensive insurance solutions since 1990. Founded by Tom Mosgrove and Faye Carlucci, our agency prioritizes honesty, quality, and hard work while serving clients in Lexington, Georgetown, Nicholasville, Versailles, and surrounding Central Kentucky communities. With over 2,000 clients, we offer personalized auto, home, life, business, and specialty insurance policies tailored to individual needs. Our state-of-the-art computer system ensures secure record-keeping and enables fast, accurate quotes and policy adjustments. As an independent agency, we represent a curated selection of reputable insurers, advocating for clients during claims to secure fair, prompt payments.Our team of experienced professionals, including President Alex Carlucci and senior account executives, delivers client-focused service backed by decades of industry expertise. We specialize in matching clients with optimal coverage at competitive rates while maintaining a commitment to transparency and customer satisfaction. Our office remains dedicated to evolving with client needs, offering innovative solutions for personal and business insurance requirements. Through consistent growth and adherence to core values, we have established ourselves as a trusted local insurance partner. Our mission remains centered on placing client needs first, ensuring peace of mind through comprehensive protection strategies.
Services
Auto Insurance
Home Insurance
Life Insurance
Business Insurance
Workers Compensation
Renters Insurance
Boat Insurance
Motorcycle Insurance
Flood Insurance
Earthquake Insurance
Details
- Year established: 1990
Highlights and features
- We offer 30+ years of independent insurance expertise in Central Kentucky
- Our team includes five senior account executives with specialized insurance knowledge
- We provide fast policy adjustments using our secure, state-of-the-art management system
- Our independent agency model offers unbiased comparisons across multiple insurers
- We maintain a client-focused approach with personalized service for all policyholders
Services
Auto Insurance
Heritage Insurance provides comprehensive auto coverage for cars, trucks, and road vehicles in Central Kentucky. Our policies protect against collision damage, liability, and medical expenses while balancing affordability with adequate coverage. As an independent agency, we compare multiple insurers to find competitive rates tailored to individual driving needs and budget requirements.
Life Insurance
We offer whole, universal, and term life insurance policies designed to provide financial security for loved ones. Our solutions address mortgage protection, debt coverage, and future milestones while offering options for college savings and retirement planning. Local agents help clients select appropriate coverage amounts and policy types based on individual family needs and financial goals.
Business Insurance
Heritage Insurance delivers customized commercial coverage including property protection, liability insurance, and business continuity solutions. Our services safeguard Central Kentucky businesses against operational risks, offering workers' compensation and commercial auto policies. We help business owners assess coverage needs to protect their investments against unexpected events that could disrupt operations.
Workers Compensation
We provide state-mandated workers' compensation insurance covering medical expenses and lost wages for work-related injuries. Our policies include rehabilitation services to help employees return to work while protecting businesses from potential liabilities. Local agents assist employers in meeting Kentucky's regulatory requirements while managing workplace safety and insurance costs.
Home Insurance
Our home insurance policies protect residential properties against common risks including fire, theft, and weather damage. Coverage options include personal liability protection and additional endorsements for high-value items. We help homeowners in Lexington and surrounding areas secure appropriate coverage levels to protect their primary investments through competitive market comparisons.
People
Alex Carlucci
President/Account Executive
Alex Carlucci leads Heritage Insurance with over 25 years of industry experience, specializing in strategic client relationships and policy development. He ensures operational excellence while maintaining the agency's founding commitment to personalized service and community-focused insurance solutions.
Brant Perry
Senior Account Executive
Brant Perry brings 15+ years of commercial insurance expertise to Heritage Insurance, focusing on business risk management and complex policy solutions. He works closely with Central Kentucky businesses to develop comprehensive protection strategies that align with their operational needs and growth objectives.
Chris Lee
Senior Account Executive
Chris Lee specializes in personal insurance lines with a decade of experience helping families secure optimal coverage. He focuses on simplifying insurance decisions for clients while maintaining Heritage Insurance's standards of transparency and customer advocacy.
David Martin
Senior Account Executive
David Martin provides expert guidance on commercial insurance products, leveraging 18 years of experience in risk assessment and policy customization. He assists business owners in navigating complex insurance requirements while ensuring cost-effective protection solutions.
Rob Ray
Senior Account Executive
Rob Ray specializes in life and health insurance solutions, helping clients protect their families' financial futures. With 12 years in the industry, he offers personalized advice on coverage options that balance protection needs with budgetary considerations.
Questions
What insurance products does Heritage Insurance offer?
We provide auto, home, life, business, renters, boat, motorcycle, flood, earthquake, umbrella, workers' compensation, and commercial auto insurance policies for clients in Central Kentucky.
How can I get an insurance quote?
Request a free quote online through our website or call our Lexington office at 859-219-1122 to speak with a licensed agent about personalized coverage options.
Why use an independent insurance agency?
As an independent agency, we compare multiple insurers to find competitive rates and tailored coverage options that match your specific protection needs and budget requirements.
Do you serve businesses outside Lexington?
Yes, we serve businesses throughout Georgetown, Nicholasville, Versailles, and all Central Kentucky counties with customized commercial insurance solutions.
How does the claims process work?
Contact our office directly to report a claim. Our team advocates for you throughout the process, working to ensure fair and prompt payment from your insurance carrier.
Can I modify my policy after purchase?
Yes, our state-of-the-art system allows for fast policy adjustments. Contact us anytime to update coverage limits, add endorsements, or make payment arrangements.
