Heritage Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Our Heritage Insurance Score
2.5 Stars
We award Heritage Insurance a final rating of 2.5 out of 5 stars. Heritage Insurance is just over a decade old now, yet the carrier already has dozens of customer complaints filed against it through the Better Business Bureau (BBB) and a lower-than-average rating by the organization. The carrier is also not rated by AM Best, though it does have an excellent "A" rating by Demotech, Inc. for financial strength.
Heritage Insurance was founded in 2012 and is headquartered in Clearwater, FL. Heritage Insurance offers coverage in just seven states. The insurance company's subsidiaries include Heritage Property & Casualty Insurance Company, Zephyr Insurance Company, and NBIC Holdings, Inc.
Heritage Insurance specializes in property coverage, including homeowners and condo insurance. The carrier also offers insurance for business equipment and commercial property.
Overall, we'd recommend working together with your local independent insurance agent to survey several options to be your next trusted carrier. You may want to skip looking into Heritage Insurance.
Heritage Insurance Pros and Cons:
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To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
Heritage Insurance Products by Type
Here's a look at some of the insurance products offered by Heritage Insurance.
Home & Property Insurance:
- Homeowners insurance
- Condo insurance
- Dwelling fire insurance
Business Insurance:
- Commercial residential property insurance
- Equipment breakdown coverage
Heritage Insurance Homeowners Insurance
Heritage Insurance offers all the coverage you'd expect to find in a standard home insurance policy. The carrier offers personal liability coverage and medical payments to others coverage. Additionally, the following are included in Heritage Insurance's home policies.
Coverage types, features, and benefits:
Loss of use
Heritage Insurance offers loss of use, or additional living expenses, coverage to reimburse homeowners for extra expenses that occur while the home is temporarily uninhabitable due to a covered disaster such as a fire. This coverage can reimburse homeowners for the cost of temporary lodging, meals, and more.
Personal property and valuables
Heritage Insurance offers coverage for the actual cash value of personal belongings, such as clothing and furniture, if it gets stolen, damaged, or destroyed by a listed peril. The carrier also offers enhanced coverage options, such as increased limits on valuable personal property like jewelry and fine art, or full replacement cost coverage for personal property.
Other structures
Heritage Insurance also offers protection for additional structures on your property, such as sheds, barns, and patios, if they are damaged, vandalized, or destroyed by a listed peril. Additional coverage options are available for other types of structures, such as pool houses and guest houses.
Heritage Insurance Homeowners Insurance Average Prices
Heritage Insurance does not make information about its average home insurance premiums readily available. An independent insurance agent can provide you with exact quotes for Heritage Insurance home insurance. You can also get a better idea of how much a homeowners insurance policy might cost you by using our home insurance calculator.
What Discounts Does Heritage Insurance Offer?
Heritage Insurance does not make any information about its specific discounts readily available. However, an independent insurance agent can find these details for you. When it comes to finding affordable coverage, independent insurance agents are your greatest ally.
Heritage Insurance Customer Service
Here's an overview of Heritage Insurance's customer service options and availability.
- Phone
- 24/7 phone claims reporting
- Online contact form
- Fax
- Snail mail
Customer service phone department hours:
| Days | Hours | ||
| NOT SPECIFIED | NOT SPECIFIED |
To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.
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Heritage Insurance FAQs
Heritage Insurance offers 24/7 claims reporting, but does not specify a claims response time frame.
Heritage Insurance is available through several mediums, including phone, fax, and email. The carrier does not list its specific customer service hours.
Heritage Insurance does not provide much detail about its claims process beyond how to file. But your independent insurance agent can even file claims for you and keep you updated through every step of the process.
Heritage Insurance's website is fairly easy to navigate, but it would benefit from more information about claims processing, where coverage is available, and customer service department hours. The carrier does have an active social media presence, which makes it more accessible to customers.
Heritage Insurance's homeowners insurance provides the typical coverages expected of a standard home policy, including:
- Personal liability and medical payments to others
- Loss of use during repairs
- Personal property and valuables
- Other structures
Your independent insurance agent can help you determine if Heritage Insurance's homeowners insurance is a good match for you.
Heritage Insurance is one of the younger carriers on the market today and is not rated by AM Best. The carrier also has a lower-than-average rating by the Better Business Bureau (BBB) and dozens of customer complaints filed in recent years. However, Heritage Insurance does have an excellent financial strength rating by Demotech, Inc. Overall, we're hesitant to call Heritage Insurance a good carrier.
Heritage Insurance's products may be right for individuals seeking various types of property insurance, such as for a home or condo. The carrier's products may also be right for professionals seeking equipment breakdown coverage for personal property or coverage for commercial residential property.
https://www.heritagepci.com/
https://www.bbb.org/us/fl/clearwater/profile/insurance-companies/heritage-property-casualty-insurance-company-0653-90129997
https://www.demotech.com/company/14407/