Heritage Insurance Review 

Yay or Nay in 2022?


TLTR: This insurance review by Agency Height is our detailed analysis of Heritage Insurance. We pay special attention to their coverage offered, client service as well as some key pros and cons. We also go through some other important aspects to help you decide if Heritage Insurance your best choice.  

Heritage Insurance can be the ideal choice for homeowners in the Southeast and California seeking homeowners’ insurance alternatives. This Florida-based insurance company provides affordable coverage in high-risk weather locations such as in Florida through its independent agency network. 

In this review, Agency Height analyzes Heritage Insurance’s home coverage options, average cost, and third-party ratings to help you decide if it meets your requirements or not.  

In this blog

About Heritage

Heritage Insurance, established in 2012, is comparatively a new player in the insurance sector.   It operates under the Heritage Property & Casualty company umbrella in a few states. 

While its brand may not be as well-known as other homeowners’ insurance behemoths, Heritage estimates that it writes over $1.1 billion in gross personal and commercial residential premiums across numerous states. 

Heritage- The Pros and Cons



  • Homeowners in Florida can have more comprehensive coverage from this carrier 
  • People of age 55 or above can take advantage of the senior or retiree discount  
  • No online quote tool, which means no quick quotes 
  • Limited coverage available 
  • Costly rates 
  • No 24/7 customer support from the company 
  • Only available in five states in the USA 
heritage insurance review infographic

Products and Services From Heritage

Heritage offers single-family, townhouse, and duplex homeowners’ coverage. A typical Heritage policy might include the following: 

Personal Liability Insurance: 

Personal liability insurance pays out if someone is injured while visiting your home. They assist with legal defense costs and medical costs associated with the injuries. This coverage may also cover expenses and damages incurred outside of the policyholder’s permanent residence, such as pushing a tree over into your neighbor’s property. 

Loss of utility: 

If you cannot reside in your home as a result of damage caused by a covered disaster, the loss of use policy will assist you with these costs. It provides aid with living expenses, such as temporary lodging and meal reimbursement. 

Personal property and values:  

If your assets, such as clothing and furniture, are damaged due to a covered occurrence, this coverage provides actual cash value (ACV) replacement. You can obtain coverage with more significant replacement limits if you have high-value things, like jewelry or paintings. 

Other structures include: 

Other unattached structures on your property, such as a barn or shed, are also covered under a Heritage Insurance homeowners’ policy. Add-on coverage for more sophisticated goods, such as a guest house, is also available. 

Other Features From Heritage 

With Heritage Insurance, you can also add endorsements to your policy to personalize your coverage: 

  • Forgery/ counterfeit money 
  • Credit cards, and electronic fund transfer cards
  • Extended theft coverage 
  • Identity fraud expense coverage 
  • Inflation guard 
  • Equipment breakdown 
  • Coverage of fungus, wet or dry rot, or bacteria 
  • Ordinance or law increased the amount of coverage 
  • Personal injury coverage 
  • Personal property replacement cost 
  • Coverage for water backup 
  • Pump discharge or overflow coverage 
  • Service line 
  • Refrigerated property 
  • Additional insurance coverage for the dwelling 
  • Animal liability 

Heritage Insurance Reviews and Ratings

A sampling of Customer Reviews 

Rating  Reviews  
  Loved the service from Heritage Insurance! I got a Heritage homeowners policy and have filed one claim after a hurricane hit Florida. They were really quick to respond to our concerns.   
⭐⭐  Very Good Insurance Company! They are very easy to work with. For my queries, they responded quickly and sent out the estimator right on time to look at the roof as soon as contacted.”   
“I had a water leak about a month and a half ago, and I’ve written to the adjuster 22 times with no answer, left nine messages, and only spoken to my adjuster three times. I approached the supervisor, who promised to assist in moving things along, but I have yet to receive a response. Unfortunately, they said they can take 90 days to respond to a claim.”


Ratings From Well-known Rating Services




Demotech A Good: This means Heritage has a good ability to pay back the claims even during challenging times 
BBB A Exceptional: At least ninety-seven percent of all the insurers countrywide receive a Financial Stability Rating 
NAIC 0.78  This is lower than the industry average of 1.0, showing that Heritage Insurance’s customer service is generally satisfactory. 
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Our Thoughts- Agency Height Ratings for Heritage Insurance 


Heritage Insurance in 2022- Yay or Nay? 

Heritage has affordable, comprehensive coverage with more endorsement possibilities than many house insurance providers we looked at, but its coverage is limited to only five states. Also, despite being in the industry for more than eight years, there is no online estimate tool, and no 24/7 phone customer care either.  

So, although Heritage provides home insurance in the southeastern United States, its standard coverage lacks many unique features. Except for a specific endorsement protecting risks to small farms, all standard home insurance coverage is covered, and most other insurance firms offer similar coverage.  

Thus, there are not enough points to recommend Heritage Property and Casualty because of its poor customer service reputation. Furthermore, Heritage does not have the same third-party ratings as other national carriers from well-known agencies because it is a regional carrier. There are presently no customer satisfaction rankings or ratings with J.D. Power, nor any financial stability ratings with AM Best. 

We give 2 stars out of 5 to Heritage Insurance because although they are available only in five states, they provide great deals for homeowners’ insurance. However, there is a lot of room for improvement for this carrier to attract young customers, for example introducing digital quotes and quick online forms.  

Frequently Asked Questions

Is auto insurance available via Heritage Insurance?

No, Heritage currently only provides insurance for homeowners, condos, and commercial properties in the Southeast and California. 

Is Heritage Insurance limited to Florida residents?

Heritage Insurance is not only offered in Alabama, California, Georgia, Mississippi, North Carolina, and South Carolina, but also in Alabama, California, Georgia, Mississippi, North Carolina, and South Carolina However, over 30% of Heritage Insurance policies are currently written in Florida. 

What is the Heritage home insurance rating?

Heritage has an A rating from the Better Business Bureau. Agency Height has given Heritage Insurance a rating of 2.7 out of 5 based on various factors, including coverage, availability, customer service, and more. 

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Contact a local agent online to help you with your insurance needs.

Agency Height is a platform for both insureds and insurance agents for building a connection with each other. Our goal is to help people find the right insurance. We deliver content that can educate insurance seekers to understand the choices they can make before purchasing different policies.  

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