Heritage Insurance Review & Complaints: Home, Condo, Dwelling Fire & Commercial Insurance (2024)
Heritage Insurance Company writes only property and casualty policies, including several types of homeowner's insurance and commercial policies. Heritage Insurance is a new insurance company that was newly opened in 2013 and received an A+ rating from the BBB. Use our free comparison tool to compare online insurance quotes now.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Feb 5, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Feb 5, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
One of Florida’s newest insurance companies, Heritage Insurance is a local property & casualty insurer offering a basic lineup of home insurance products.
How long has Heritage Insurance been in business? Heritage Insurance has been in business since 2012, along with several other new insurance companies, in response to changes in the Florida insurance market that followed several major hurricanes.
As larger insurance companies backed out of the market, many homegrown companies moved in to fill the void, especially as the market started to improve – among them was Heritage.
Who owns Heritage? In 2013, Heritage made a deal with Citizens to take over 60,000 policies as part of the takeout plan designed to reduce the policy load on the state’s last-resort insurer.
As part of the Citizens takeout program, Heritage quickly increased its numbers in 2013, and continues to grow and build a reputation in a changing insurance scene.
The deal raised some controversy over the large payout to Heritage for taking over the policies and the speed with which the deal was pushed through. This takeout involved many insurance companies, often new ones, and the insured could choose whether to move to one of the new insurance companies.
Who has the best home insurance rates? Use our handy tool above to find great quotes now.
What insurance products are offered?
Heritage writes only property & casualty policies, including several types of homeowner’s insurance and commercial residential policies. The company headquarters is in Clearwater, Florida, and they write policies across the state. Policies are sold through a network of independent agents. The company does not offer auto insurance.
The focus of the Heritage Insurance lineup is homeowner’s, and they write various forms designed to cover multiple types of dwellings.
Homeowner’s Insurance (HO3)
Heritage writes standard HO3 homeowner’s insurance package policies, designed for attached or detached single-family homes. These policies cover replacement cost for the home itself, personal property insurance, and personal liability coverage. Options available include:
- Replacement cost coverage for personal property
- High-value item riders for jewelry, art, and more
- Dog Liability
- Identity Theft Coverage
- Personal Injury Protection
Condominium Insurance (HO6)
Heritage writes policies for condo owners that are designed with the specific needs of condos in mind. This coverage includes:
- Personal liability
- Personal property with available replacement cost coverage
- Coverage for permanently attached parts of the structure from the walls in
- Loss assessment coverage
- Options to add dog liability identity theft, and more
Read more: Condo Insurance (HO-6) Coverage: An Expert Guide
Dwelling Fire (DP3)
Heritage writes DP3 policies to cover homes that are not owner-occupied such as rental houses, duplexes, and townhouses. These policies cover the structure and liability first and foremost, with added coverage for landlords that include loss of rent. Because these are for non-owner-occupied homes, they have limited personal property coverage.
Commercial Residential
Heritage writes policies to cover a variety of multiple-dwelling residences, including:
- Apartment complexes
- Retirement and assisted living homes
- Homeowner’s Associations
- Condo Owner’s Associations
This coverage is designed for the specific needs of multi-unit buildings, including structure coverage and liability.
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Are the insurer’s rates reasonable?
Heritage does not provide the option for online quoting, although there is an online form that allows you to request a quote, but it does not return instant results – rather you will be contacted via phone or email with the quote information.
Quotes are also available by contacting an agent directly. This makes it more difficult to compare the rates to other insurance companies, but is not uncommon for property & casualty insurers of this size.
Heritage is a small insurer with a somewhat specific market, so they are unlikely to compete well with large insurance companies. They may, however, be competitive with similar insurance companies – small, Florida-based companies.
Since they write only property insurance, there is no option to obtain multi-policy discounts with Heritage, something that is likely to make their premiums appear a little higher in price. Additionally, they are sold through agents, which means commissions can raise prices as well. Your one-stop online insurance guide. Get free quotes now! Secured with SHA-256 Encryption
Heritage Insurance Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Heritage Insurance offers a relatively straightforward process for filing claims. Customers can report claims or check the status of their claims by calling a 24-hour toll-free claim reporting line at 1-855-415-7120. This phone line is available around the clock, making it convenient for policyholders to initiate the claims process.
Average Claim Processing Time
Unfortunately, the article does not provide specific information about the average claim processing time for Heritage Insurance. It would be helpful for policyholders to know how quickly the company typically handles claims to set realistic expectations.
Customer Feedback on Claim Resolutions and Payouts
The article mentions that Heritage Insurance is a relatively new company, and as a result, there is limited customer feedback and reviews available. While the company holds an A+ rating from the Better Business Bureau (BBB), there are only 28 complaints listed in the last three years, with eight of them being closed in the past 12 months.
This limited information makes it challenging to gauge customer satisfaction with the claim resolution and payout process.
Digital and Technological Features of Heritage Insurance
Mobile App Features and Functionality
The article does not provide specific details about Heritage Insurance’s mobile app features and functionality. It’s important for policyholders to have access to a user-friendly mobile app that allows them to manage their policies, file claims, and access important information on the go.
Online Account Management Capabilities
Heritage Insurance does not offer online quoting, but it does have an online form for requesting quotes. However, this form does not provide instant results, and customers are typically contacted via phone or email with the quote information. This limited online account management capability may be less convenient for policyholders who prefer to manage their policies online.
Digital Tools and Resources
The article does not provide information about any specific digital tools or resources offered by Heritage Insurance. In today’s digital age, insurance companies often provide various online resources, such as educational materials, policy documents, and tools for estimating coverage needs.
It would be beneficial for policyholders to know if Heritage Insurance offers such digital tools and resources to enhance their insurance experience.
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Are there any consumer complaints about the company?
Heritage reviews are limited. As a very new insurance company, Heritage has not had much time to build a reputation, and there is not a large amount of feedback available from customers in general.
If you need to reach Heritage Insurance customer service, you can call 1-855-620-9978 to speak to a representative.
Although the company is not accredited by the Better Business Bureau (BBB), they currently hold an A+ rating on the site. There have been a total of 28 complaints in the last three years, eight of which have been closed in the past 12 months.
There are currently no rankings or ratings listed with J.D. Power for customer satisfaction or any financial stability ratings through AM Best The complaint index through the National Association of Insurance Commissioners (NAIC) for homeowners insurance lists Heritage Property & Casualty as receiving a .78 index.
The Florida Office of Insurance Regulation offers a company complaints database that compiles the number of complaints against insurance companies on a yearly basis. The most recent data available is the complaints listed in the fourth quarter of 2016. During this time, Heritage had 67 complaints in total, a ratio of 1:3555. That means that there was one complaint for every 3555 policies in force that year.
In spite of the concern over the Citizens takeout policy transfer mentioned earlier in this review, there doesn’t seem to be much of concern when it comes to the company’s reputation.
What is the company’s financial strength rating?
In our search for financial stability ratings, no information was available from A.M. Best, Fitch, S&P, or any of the other insurance rating companies
What’s the bottom line?
Heritage Insurance is a very new company, but so far seems to be holding a relatively good reputation in the Florida insurance market. They are likely to be worth investigating for anyone who is part of the Citizens takeout or for anyone who has had trouble finding coverage with national-level insurers.
As a local insurer, they are unlikely to provide rates that can compete with bigger companies, especially because they have no multi-policy discounts to offer, but for those who are considering the smaller, local insurance company market, Heritage is worth a look.
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Frequently Asked Questions
What is Heritage Insurance?
Heritage Insurance is an insurance company that provides coverage for homeowners, condo owners, owners of rental properties (dwelling fire), and commercial property owners. They offer insurance policies to protect against various risks and perils.
What types of insurance does Heritage Insurance offer?
Heritage Insurance offers several types of insurance, including:
- Homeowners Insurance: Coverage for residential properties, protecting against damages to the structure and belongings, as well as liability for injuries or property damage to others.
- Condo Insurance: Specifically designed for condo owners, providing coverage for the individual unit, personal belongings, and liability.
- Dwelling Fire Insurance: Coverage for owners of rental properties or properties that are not occupied by the owner, protecting against damages to the structure and liability.
- Commercial Property Insurance: Coverage for businesses and commercial properties, safeguarding against property damage, liability, and business interruption.
Where can I find reviews and complaints about Heritage Insurance?
You can find reviews and complaints about Heritage Insurance through various online sources, including:
- Consumer review websites: Websites such as ConsumerAffairs, Better Business Bureau (BBB), and Google Reviews often have customer reviews and ratings for insurance companies.
- State insurance department: Visit the website of your state’s insurance department to check if there have been any complaints filed against Heritage Insurance or to find information about their track record.
How do I file a complaint against Heritage Insurance?
If you need to file a complaint against Heritage Insurance, you can typically do so through the following channels:
- Contact Heritage Insurance directly: Reach out to their customer service department and express your concerns or complaints. They will guide you through their internal complaint resolution process.
- State insurance department: Contact your state’s insurance department and file a complaint through their designated procedure. They will investigate the matter and work towards a resolution.
Can I switch my insurance company from Heritage Insurance to another provider?
Yes, you have the option to switch your insurance company from Heritage Insurance to another provider. However, it’s important to carefully review the terms and conditions of your policy, including any cancellation or termination procedures. Additionally, before switching, compare quotes and coverage options from multiple insurers to ensure you find the best fit for your needs.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.