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Heritage insurance review 2022

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Homeowners in the Southeast and California who are looking for homeowners insurance solutions may be interested in obtaining a quote from Heritage Insurance. The insurance carrier, headquartered in Clearwater, Florida, is experienced in offering policies in volatile weather areas of the country, like Florida, and may be able to offer competitive pricing through its independent agency network. Bankrate’s Heritage Insurance review goes over the types of home coverage available from the company, average pricing and third-party ratings to help you determine if the company is a right fit for you.

Heritage Insurance

Heritage Insurance was founded in 2012 and went public on the New York Stock Exchange in 2014, so it is a relatively new insurance carrier compared to some national carriers. Heritage Insurance operates under the Heritage Property & Casualty Company umbrella in a handful of states.

While the name may not be as recognizable as other homeowners insurance giants, according to Heritage, the company writes over $1.1 billion of gross personal and commercial residential premiums across several states.

Heritage Insurance home insurance

Heritage Insurance offers homeowners insurance policies with options to expand limits for personal property and valuables and other structures. It offers a limited footprint for coverage, currently only servicing the Southeast and California. However, because it writes in states that deal with a large amount of weather-related damage, Heritage may have more experience handling catastrophic claims, such as those involving wind or water damage.

Cost of Heritage Insurance home insurance

The average cost of home insurance through Heritage Insurance for $250,000 in dwelling coverage is $1,838 per year. This is well above the national average of $1,312 for the same amount of coverage. The above-average cost may be due in part to Heritage’s focus on extending coverage to states more prone to extensive weather damage.

Types of coverage

Heritage offers homeowners policies for single-family, townhouse and duplex homes. A standard Heritage policy might include:

  • Personal liability: These coverage types pay toward scenarios where someone is visiting your home and is injured. Not only do they help pay towards legal defense expenses, but they also pay for medical expenses related to the injuries, respectively. This coverage may also cover expenses & damages that a policyholder or their household members have done outside of the primary dwelling, such as knocking a tree over onto your neighbor’s home.
  • Loss of use: If you find yourself in a situation where you can not live in your home due to damage from a covered disaster, the loss of use coverage provides help with those expenses. It provides living expense assistance, such as with temporary housing and meal reimbursement.
  • Personal property and values: This coverage offers actual cash value (ACV) replacement for your valuables, including clothing and furniture, if they are damaged due to a covered event. If you have high-value items, such as jewelry or art, you can purchase coverage with higher replacement limits.
  • Other structures: A Heritage Insurance homeowners policy also includes coverage for other detached structures on your property, such as a barn or shed. You can also purchase add-on coverage for more complex items, like a guest house.


Heritage Insurance does not list the available options for discounts with its homeowners policies. However, most carriers offer a standard set of savings options. Common home insurance discounts might include:

  • Enhanced safety measures: If your home is equipped with smoke detectors, a security system or fire mitigation system, then you could qualify for additional savings.
  • New roof: If you have invested in a new roof or purchased a home where the roof was recently installed or replaced, there may be a new roof discount available.
  • Loyalty discounts: If you have used the same insurance carrier for a defined number of years, you may qualify for savings because of your loyalty.

Where does Heritage Insurance operate?

Heritage is headquartered in Clearwater, Florida, but operates as Heritage Insurance in Alabama, California, Florida, Georgia, Mississippi, North Carolina and South Carolina.

Heritage Insurance ratings, reviews, customer satisfaction and complaints

Because Heritage is considered a regional provider, it lacks the third-party ratings you may find with other national carriers from popular agencies. 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. This is below the industry baseline of 1.0, indicating that Heritage Insurance generally has satisfactory customer service.

Reasons Heritage Insurance is a good option

Heritage Insurance may be a good option for homeowners who prefer working exclusively with an agent. The carrier relies heavily on its independent agents, so much so that there is no mobile app available or online quote system. The lack of digital options may be a deal-breaker for some homeowners who prefer on-the-go policy management.

Heritage Insurance may also be a good option for those who value a quick and personal claims process. Heritage hires both in-house and field adjusters who are ready to review a claim on-site within hours. The carrier also offers in-house resources for damage, such as from water or mold, and offers a three-year guarantee on all work performed.

Additional policies offered by Heritage Insurance

In addition to homeowners coverage, Heritage offers condo insurance (HO-6) for condo owners and dwelling fire insurance for landlords who have renters in their single-family or duplex homes.

Heritage also offers commercial residential insurance options. This is insurance targeted for use with property owners, property managers and boards of directors. The products included under the commercial residential umbrella include:

  • Condominium association insurance
  • Homeowner association insurance
  • Continuing care retirement community insurance
  • Apartment complex insurance

Frequently asked questions

Does Heritage Insurance offer auto insurance coverage?

No, Heritage only offers homeowners, condo and commercial property insurance in the Southeast and in California at this time.

Is Heritage Insurance only available in Florida?

No, Heritage Insurance is also available in Alabama, California, Georgia, Mississippi, North Carolina and South Carolina. However, over 30% of the Heritage Insurance policies are written in Florida currently.


Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

  • Coverage A, Dwelling: $250,000
  • Coverage B, Other Structures: $25,000
  • Coverage C, Personal Property: $125,000
  • Coverage D, Loss of Use: $50,000
  • Coverage E, Liability: $300,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Written by
Sara Coleman
Former Insurance Contributor
Sara Coleman is a former insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar,, and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.
Edited by
Insurance Editor