United Heritage Insurance Review & Complaints: Car, Life & Homeowners Insurance (2024)
United Heritage Insurance offers home, auto, and life insurance as well as several other types of coverage including business and annuities. United Heritage rates are not available online but the Better Business Bureau (BBB) gives United Heritage Insurance Company an A+ rating.
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Scott W. Johnson
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Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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UPDATED: Nov 27, 2023
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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: Nov 27, 2023
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
United Heritage is a group of three companies based out of Idaho. Between the companies, they offer home insurance, auto insurance, and life insurance as well as several other types of coverage including business coverage.
What is United Heritage?
United Heritage comprises three companies: United Heritage Life Insurance Company, United Heritage Property & Casualty, and Sublimity Insurance. The first of the companies were founded as The Farmers Fire Relief Association of Sublimity in 1896, which would later be known as Sublimity Insurance.
The two companies now under the United Heritage name were founded a little later. In 1908 Canyon County Farmers Mutual Insurance company (later Idaho Mutual and now United Property & Casualty) was founded, followed in 1934 by Grange Mutual Insurance Company (now United Heritage Life).
In 2001, Grange Mutual Insurance underwent a restructuring and changed its name to United Heritage Life under a holding company, United Heritage Financial. The acquiring of the company then known as Idaho Mutual resulted in that company being re-branded as well, as United Heritage Property & Casualty. In 2003 the holding company acquired Oregon-based Sublimity, which operates as a subsidiary today.
As the names imply, United Heritage Life writes life insurance products, while the Property & Casualty company offers auto, home, farm, and business insurance. Since we have reviewed Sublimity separately, this review will focus on the United Heritage companies and their products.
United Heritage’s headquarters is located in Meridian, Idaho, and products are sold through independent agents. The company reports that it is the largest insurer with headquarters in Idaho.
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What types of insurance products are offered?
Between the two companies, United Heritage is a one-stop-shop for most insurance needs. United Heritage Property &. Casualty products are available only in Idaho, Arizona, Utah, and Oregon.
Life Insurance
The insurer focuses mainly on permanent life insurance, although there is a term life insurance policy available in their group benefits package. Information about the policies is limited.
ProPlus Whole Life is the company’s main life insurance product and appears to be a standard whole life policy based on the little information found on the company website. Issue ages and benefit amounts are not listed, but three possible riders are an accidental death benefit, children’s term rider, and waiver of premium.
Final Expense life is available in two forms: Protector Whole Life and Modified Benefit. The health condition of the applicant determines which of these they’ll qualify for, but the company states that the majority of applicants will qualify for one or the other.
A Prepaid Funeral Planning program is also available in association with the National Association of Funeral Directors. This program allows for pre-payment and pre-arrangement of funeral arrangements.
Annuities
In addition to life insurance, the insurer writes annuities to provide income in retirement.
There are four different options for tad deferred annuities, depending on the purchaser’s needs, and one single premium immediate annuity as well.
Group Benefits
United Heritage offers a suite of group insurance products that can be selected by employers to offer as part of a voluntary employee benefits package. The coverage options are:
- Group Term Life
- Short-term Disability
- Long-Term Disability
- Vision
Auto Insurance
The company has a personal auto insurance policy that appears, from the information on the site, to be fairly straightforward and basic.
The program offers all of the basics- liability, comprehensive coverage, and collision coverage, along with a good selection of endorsements:
- Towing & Labor
- Rental reimbursement
- Extended non-owned autos
- Loan/lease coverage
- Property damage
- Excess electronic equipment
- Transportation expenses
Discounts include the usual options such as auto/home, good student, multi-car, and claim-free.
Home Insurance
Home insurance is again a fairly straightforward package policy.
The base policy covers the dwelling and other structures, liability, personal property, and loss of use. Extended replacement cost for the dwelling is available as an option, as is enhanced personal property coverage.
Standard coverage also includes several other benefits, some of which are not included in a base policy elsewhere, such as fire department charges, sewer backup, and refrigerated goods. It is a comprehensive policy overall, with plenty of inclusions, although extended replacement cost is not standard.
Farmowners
There are a few package policies for farms.
The first policy type is aimed at country homes with small, non-commercial farming operations. Specifically, hobby farms, “gentleman farms”, and ranches.
The Country Living and Country Living Plus policies provide all of the coverage of a home insurance policy along with coverage specific to farms and ranches. This includes coverage for livestock, crops, and equipment.
The Ponderosa Farm & Ranch policy is designed for larger farming operations that require more coverage. There are two levels of this policy with different eligibility requirements.
Farm policies include additional liability for farm-specific risks and coverage for additional structures and personal property.
Commercial
The company has a business owners package policy called Business Plus, which is aimed at small retail and office businesses. It includes coverage for business property and general liability, as well as a loss of income coverage and several options that allow the package to be customized.
The other commercial option from this company is their Landlord Plus. This policy is designed for the needs of those that own rental dwellings and provides special coverage for loss of rents and liability related to owning a rental property.
Personal Umbrella
Personal umbrella policies can be purchased to supplement the liability coverage on any of the company’s other policies. The site does not list the limits available on these policies, nor is there much other detail.
Are the company’s rates competitive?
Online quoting is not available for United Heritage, which is common for a regional company that relies on independent agents.
The site offers an agent locator to help visitors connect with a local agent in order to obtain insurance quotes. Generally, companies like this one do not have the lowest rate but aim to provide value with good coverage and personalized customer service.
United Heritage Insurance Claims Process
Ease of Filing a Claim
United Heritage Insurance provides multiple convenient ways for policyholders to file a claim. You can file a claim online through their website or over the phone. They also offer a mobile app for those who prefer to use digital platforms for claims processing.
Average Claim Processing Time
The average claim processing time with United Heritage Insurance can vary depending on the type of claim and its complexity. However, they strive to process claims efficiently to provide timely assistance to their policyholders. For specific information on claim processing times, it’s recommended to reach out to their customer service.
Customer Feedback on Claim Resolutions and Payouts
United Heritage Insurance has a solid reputation when it comes to claim resolutions and payouts. They have received positive feedback from customers regarding their claim handling process. However, individual experiences may vary, so it’s essential to review customer testimonials and contact their customer support for more information.
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United Heritage Insurance Digital and Technological Features
Mobile App Features and Functionality
United Heritage Insurance offers a mobile app that provides policyholders with various features and functionalities. Through the app, you can access your policy information, make premium payments, and even initiate the claims process. It’s a convenient tool for managing your insurance on the go.
Online Account Management Capabilities
Policyholders can also manage their insurance policies through the company’s online portal. This platform allows you to view and update your policy details, track claims, and access important documents. It offers a user-friendly interface for seamless account management.
Digital Tools and Resources
United Heritage Insurance provides a range of digital tools and resources to assist policyholders in understanding their coverage and making informed decisions. These resources may include educational materials, calculators, and interactive features to help you navigate your insurance needs effectively.
Are the ratings and consumer reviews positive?
United Heritage Financial Group has an A+ rating with the Better Business Bureau (BBB), with only one complaint on file in the past three years. Their BBB business profile shows they have been accredited since 1996, and no reviews have been left about the company.
United Heritage Property & Casualty has two Yelp reviews, both of which are negative, customer complaints. Both reviews cite the exact same issue, down to the same details, which is unusual. Either way, the complaint volume is very low.
We were unable to find much else in the way of reviews for this company, which is generally a positive thing for an insurance company.
What’s the bottom line?
United Heritage has some solid products, but without rates, it is difficult to determine how they stack up for value. They have a good reputation and are worth a closer look for those that prefer to work with an agent to take care of their insurance needs.
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Frequently Asked Questions
What is United Heritage Insurance?
United Heritage Insurance is an insurance company that offers a range of insurance products, including car insurance, life insurance, and homeowners insurance. They provide coverage to individuals and families, aiming to protect their assets and provide financial security.
How can I contact United Heritage Insurance?
You can contact United Heritage Insurance by visiting their official website and accessing their “Contact Us” page. They typically provide contact information such as phone numbers, email addresses, and mailing addresses. Alternatively, you may be able to find a local United Heritage Insurance agent in your area who can assist you.
What types of insurance does United Heritage Insurance offer?
United Heritage Insurance offers various types of insurance coverage, including:
- Car Insurance: Provides coverage for your vehicle in the event of accidents, theft, or damage.
- Life Insurance: Offers financial protection to your loved ones in the event of your passing.
- Homeowners Insurance: Protects your home and personal property against damage, theft, or liability.
How can I file a claim with United Heritage Insurance?
To file a claim with United Heritage Insurance, you should contact their claims department using the contact information provided on their website or policy documents. They will guide you through the claims process, which typically involves providing details about the incident, submitting any necessary documentation, and cooperating with their claims adjusters.
Are there any online resources to manage my United Heritage Insurance policies?
Yes, United Heritage Insurance may offer online resources to manage your policies. These resources can include online portals or mobile apps that allow you to view and update your policy information, make premium payments, access policy documents, and communicate with the company regarding your coverage.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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.