Serving CT & MA families since 1982 Independent. We work for you, not the carrier
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Family Independent Insurance Agency · Waterbury, CT

Insurance built
around the
people you love.

An independent agency serving Connecticut and Massachusetts families and small businesses since 1982. One team handling your whole household.

44
Years family-owned
12
A-rated carriers
25+
Years, average client

Every line
under one roof.

Because we're independent, we shop twelve A-rated carriers against each other to find the policy that fits, then bundle so you pay less overall.

Auto

Multi-car, classic, commercial fleets. We've been rewriting Connecticut auto policies since before e-signatures existed.

Home

Homeowners, condo, landlord, flood. Replacement-cost policies that actually rebuild the house you own.

Business

General liability, BOPs, commercial property, cyber. Policies written for plumbers, daycares, delis, and design firms.

Life

Term, whole, disability, final expense. Planning that considers the actual people around your dinner table.

Umbrella
Boat & RV
Motorcycle
Flood & Earthquake
Landlord & DP-3
Jewelry & Valuables
The entrance to Heritage Insurance at 820 Hamilton Avenue in Waterbury

The average client
has been with us
over twenty-five years.

Heritage Insurance Agency was founded in 1982 by Gary Wihbey and Saverio (Sam) Perugini. After a few years, Sam returned to teaching, and Gary owned and operated the agency for over 40 years, building a reputation for professional and personal service that now reaches several thousand clients across most of Connecticut. Mr. Wihbey recently turned over daily operations to Noah Rak, a licensed agent who works alongside the long-time staff to provide the same service Heritage clients have come to expect.

The agency spans generations. We currently insure the grandchildren of many of our original clients.
Founded
1982, Waterbury
Principal agent
Noah Rak
Licensed in
CT · MA
Meet the team

Four steps.
A real agent at every one.

You talk to the same licensed agent from the first call through renewal. No 1-800 mazes, no chatbot wall.

The conversation

We learn about your household: the teen driver, the detached garage, the LLC you started last spring. What's actually at stake.

We shop 12 carriers

We run your profile against every A-rated partner we represent. You see the three strongest options, side by side, in plain English.

Bind & e-sign

Pick a policy. Sign from your phone. Coverage is active the minute you do. We handle the handoff from your old carrier.

We stay on it

Annual re-shop, life-change check-ins, and help when a claim happens. If a better rate shows up, we call you, not the other way around.

Twelve A-rated carriers.
One agent shopping them for you.

Captive agents can only sell you what their parent company offers. We're independent, which means when the market shifts, we shift with it. Your policy follows the best rate, not the logo on the door.

Travelers
The Hartford
Liberty Mutual
Progressive
Plymouth Rock
Main Street America
Bunker Hill
Foremost
National General
NatGen Premier
Hagerty
American Collectors

A claim, handled by a
human who knows your name.

You call our direct line, not the carrier's call center. We open the claim, document the damage, push back when something's shorted, and stay on it through payout. One client's repair ran longer than expected and her rental coverage ran out mid-repair; an owner here called the adjuster and got the rental extended past the limit. That call is what an independent agent is for.

Call to report a claim (203) 755-1228

What most people
ask us first.

Real questions pulled from our intake calls this month. If yours isn't here, the phone is always a faster answer than a contact form.

It means we don't work for an insurance company. We work for you. We represent 12 carriers, and when we shop your policy, we compare all of them and recommend the one that fits best. A captive agent (think: the national brands you see on TV) can only sell you their own company's product, whether it fits you or not.
Online quotes optimize for the lowest headline number, often by quietly lowering your coverage limits. We quote at the coverage levels that actually protect the life you've built, then show you three carriers side by side at that level. It's usually cheaper than the online quote you thought was cheap.
No. Plenty of our quotes turn into "stay where you are, you've already got a good rate." We'll tell you when that's the case. And if you do switch, we handle the handoff from your old carrier so there's zero coverage gap.
Our agents give their cell phone numbers to clients, so you have a person to call rather than a queue. Every carrier we represent also has a toll-free line for reporting claims at any hour. Either way, call us at (203) 755-1228 the next business day. We pick it up from there, document what's needed on our end, and stay on it through payment.
A licensed agent, from the first call. An owner or a seasoned agent is always available to step in on anything complicated.
Almost immediately on most risks we've quoted. Certificates of insurance go out the same way. Our standard procedure is to issue them immediately on request.
That's a real part of what we do. General liability, BOPs, commercial auto, workers' comp, cyber. If you're a Connecticut-based small business, it's the same team and the same phone number as your personal policies.
One phone call.
Everything covered.
Call (203) 755-1228