Heritage Insurance Company Review

We've looked at over 1,000 insurance companies rating them on strength, accessibility, and service to find the best ones. Here's what people think about Heritage Insurance Company.
Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.


Heritage Insurance Company at a Glance

  • Founded in 2012
  • Offers homeowners insurance and more
  • Rated "A-" (good) by the Better Business Bureau (BBB)
  • Not rated by AM Best
  • 24/7 claims reporting

Heritage Insurance pros: Offers a couple of forms of coverage. Offers 24/7 claims reporting. High rating by the BBB.

Heritage Insurance cons: Not accredited by the BBB. Large volume of customer complaints filed through the BBB. Not rated by AM Best. Disturbing high volume of negative customer reviews across multiple sites. 

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.

What Type of Insurance Does Heritage Insurance Offer?

Here's a look at some of the insurance products offered by Heritage Insurance.

  • Homeowners insurance
  • Condo insurance
  • Identity theft insurance
  • Equipment coverage
  • Commercial residential property insurance

Your independent insurance agent can help you find more information about the coverages offered by Heritage Insurance, and help you decide if this insurance company is right for you.

What to Know about Heritage Insurance

Heritage Insurance was founded in 2012, giving the insurance company just about a decade's worth of experience in the insurance industry. The carrier is headquartered in Clearwater, FL, and offers coverage within a handful of 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 equipment and identity theft. Their LinkedIn network reports a team of about 300 employees. 

Heritage Insurance is not currently rated by AM Best, the leading global credit organization monitoring the insurance industry. However, they are highly rated ("A-") by the BBB. High ratings from the BBB typically indicate a business's trustworthiness and ethics for prospective customers. However, the carrier has had tons of complaints filed against them in recent years.


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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 contact option
  • 24/7 claims reporting
  • Contact form on website
  • Fax contact option
  • Email contact option
  • Customer service hours 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.

Heritage Insurance FAQ

What is Heritage Insurance's average claim response time frame?

Heritage Insurance offers 24/7 claims reporting, but does not specify a claims response time frame. 

What is Heritage Insurance's customer service availability?

Heritage Insurance is available through several mediums including phone, fax, and email. They do not list their specific hours on their website.

What is Heritage Insurance's claims process?

Heritage Insurance does not provide much detail about their 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.

Does Heritage Insurance create a user-friendly experience for customers?

Heritage Insurance's website is fairly easy to navigate, but 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 them more accessible to customers.

Does Heritage Insurance have good homeowners insurance?

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.

Is Heritage Insurance a good insurance company?

Heritage Insurance is one of the younger carriers on the market today, and is not rated by AM Best. They have a concerning amount of complaints filed against them through the BBB and low review ratings through multiple sites. So, we're hesitant to call Heritage Insurance a good insurance company at this time.

Heritage Insurance Customer Reviews

Heritage is an unsavory company. In short, they lie. I would not recommend that anyone do business with them.

Our premium tripled and was disbursed from our mortgage escrow account. We then received a cancellation notice from our agent, who states they will absolutely NOT renew our policy because a Rate to Consent Form was not signed. Obviously, we never received this form. I called Heritage and they said our agent was copied on the form. This is beyond absurd, they are still holding our funds and we are without insurance. This in no way should be legal, especially since the policy holder has never had a claim and our mortgage company pays them.

Absolute scum. Cancelled my policy even though they'd already taken payment. Then refused to return it even though they were not insuring me!!! Look at their BBB reviews - they have a pattern of cancelling policies on people who have made a claim. Disgusting.

Better Business Bureau
Filed a claim for wind/water storm damage on my roof. Company sent adjuster who did not check roof completely and used a drone and refused claim. I contested it and requested another adjuster be sent. The second adjuster went where the problems were and suggested a FULL ROOF REPLACEMENT in his report. Heritage changed the wording in his report to match the first inspectors report. And turned the claim down again. I called the second inspector and verified his report was changed. Fraudulent company.

Better Business Bureau
My homeowners insurance doubled this year. I was never given an explanation as to why it doubled. I called and asked why and was told it was due to people filing too many fraud cases and also building materials went up. I said this has nothing to do with me. I'm on a fixed income I can't afford to pay this. She said I'm sorry.

TrustedChoice.com's Final Review

We award Heritage Insurance a final rating of 2 out of 5 stars. Heritage Insurance is less than a decade old now, yet they already have nearly 60 complaints filed against them through the BBB. Customer reviews are consistently 1-star and include disturbing statements about the company being untrustworthy and a "fraud."

Though Heritage Insurance offers 24/7 claims reporting, customers don't seem to be satisfied with the assistance they receive. In fact, there are many claims of policies being canceled after filing any type of claim through the insurance company.

We can't in good conscience recommend working with Heritage Insurance if a reliable company is important to you. Instead, work together with an independent insurance agent to find an insurance provider in your area that will meet your needs for coverage and exceptional customer service.

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