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Heritage insurance review 2024

Updated Oct 23, 2024
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At a glance

Bankrate's take

Heritage may be the company of choice for policyholders who live in a high-risk area where finding homeowners insurance is difficult. However, compared to many competitors, Heritage's digital tools are limited.

  • Policies available in 7 states: AL, CA, FL, GA, MS, NC and SC
  • Only offers home insurance
  • Few policy customization options
  • Rated A (Exceptional) by Demotech

Heritage home insurance review

Based on Bankrate’s comprehensive study of Heritage Insurance, this Tampa-based property insurance company could be best for those living in one of seven coastal states who are searching for a carrier with ample experience handling hurricane claims. It’s also ideal for those who prefer an in-person experience since the company only sells its policies through a network of agents.

Founded in 2012, Heritage Insurance operates under the Heritage Property & Casualty Company umbrella in Alabama, California, Florida, Georgia, Mississippi, North Carolina and South Carolina. While the name may not be as recognizable as other homeowners insurance giants, according to Heritage, the company has $1.39 billion of premiums in force for personal residential insurance, commercial residential insurance and general liability insurance.

Although its availability is limited, Heritage may have more experience handling catastrophic claims — such as those involving wind damage due to hurricanes — because it writes in states that deal with a large amount of weather-related damage. Heritage hires both in-house and field adjusters ready to review a claim on-site within hours. The carrier also offers in-house resources for damage, such as water or mold, and provides a three-year guarantee on all work performed.

Pros and cons of Heritage homeowners insurance

As part of our Heritage insurance review, our insurance editorial team highlighted some pros and cons of the company to help you make a more informed insurance buying decision.

Green circle with a checkmark inside

Pros

  • Offers property insurance in higher-risk states
  • Regional agents may be more familiar with local homeowners insurance markets
  • Demotech financial stability rating of A (Exceptional)
Red circle with an X inside

Cons

  • Limited digital tools
  • Not available in all states
  • Rates are usually higher than the national average
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Heritage home insurance cost

To keep our fingers on the pulse of insurance premium trends, Bankrate has access to proprietary data from Quadrant Information Services. According to our research, the national average homeowners insurance cost in 2024 is $2,285 per year for $300,000 in dwelling coverage. The average cost of that same policy from Heritage is $4,607 per year, or around 102 percent more. Because Heritage primarily focuses on insuring homes in disaster-prone states, the average cost of its policies likely reflects the higher risk.

However, keep in mind that your Heritage homeowners insurance rate may vary depending on your specific rating factors and Coverage A dwelling limit.

$150K dwelling
Heritage average premium
$2,322
National average premium
$1,394
$300K dwelling
Heritage average premium
$4,607
National average premium
$2,285
$350K dwelling
Heritage average premium
$5,387
National average premium
$2,550
$450K dwelling
Heritage average premium
$6,830
National average premium
$3,091
$750K dwelling
Heritage average premium
$7,509
National average premium
$4,525
*All rates displayed are average annual rates.

Compare Heritage homeowners insurance rates

Each insurance company has its own underwriting method and will weigh the risks of insuring your home differently. Because of this, your rate will likely change based on the companies from which you receive quotes. The table below compares average rates for $300K in dwelling coverage from Heritage and some of the largest providers in the country. It also shows how they stack up against the national average.

$4,607
+ $2,322
$1,955
- $330
$2,288
+ $3
$1,448
- $837
$2,411
+ $126
$1,699
- $586
$3,524
+ $1,239
$1,691
- $594
$2,935
+ $650
$1,871
- $414
$1,699
- $586
$3,524
+ $1,239
$1,691
- $594
$2,935
+ $650
$1,871
- $414

Heritage customer satisfaction

For shoppers looking for the best homeowners insurance company, customer service might be just as important as cheap rates. To measure this metric, Bankrate looks to a few different third-party scoring methods. Our editorial staff usually reviews a company’s J.D. Power scores for customer and claims satisfaction. However, J.D. Power did not include Heritage Insurance in any of its 2023 property insurance studies — likely because it is a smaller regional insurer.

We may also be able to infer customer satisfaction by reviewing a company’s financial strength. Although financial strength isn’t a direct indicator of customer service, the historical ability to pay out claims could indicate as much in the future. AM Best rates a company's financial strength and creditworthiness on a standard letter-grade scale from A to D. Heritage lands in the “Good” category, meaning it has a good chance of honoring its financial obligations.

Heritage Insurance was also granted a financial strength rating of A (Exceptional) by the rating agency Demotech. Regardless of where you live, the financial soundness of your insurance company is crucial. However, this can be tricky in states like Florida, where the homeowners market is strained (and where Heritage Insurance is based and writes many of its policies).

Heritage home insurance customer complaints

Together with J.D. Power scores, we also analyze where a company lands on the National Association of Insurance Commissioners (NAIC) Complaint Index. To help you better understand this data, know that the NAIC collects and categorizes each valid complaint it receives about an insurance company and then translates these complaints into an index. A baseline index is 1.00 — this means that the company receives the average amount of customer complaints compared to other companies of its size. A score higher than 1.00 indicates more complaints than average, and a score lower than 1.00 means fewer complaints.

According to the NAIC, Heritage home insurance has had slightly more complaints than average compared to insurance companies of a similar size. Complaints have been slowly increasing over the past few years, so you might want to keep tabs on customer reviews.

Heritage home insurance discounts

Heritage Insurance does not list any available discounts for its homeowners policies online, but it may be worth asking during the quoting process if the company offers any savings opportunities. You can typically save money by paying more of your annual premium up front, having safety devices like security cameras and sprinkler systems in your home, opting for paperless billing and remaining claims-free.

Get personalized home insurance quotes

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Compare Heritage with other insurers

Bankrate’s Heritage Insurance review delves into the different key areas homeowners consider when choosing a company, but you still might wonder if this is the company for you. Or, you could live in a state in which Heritage does not do business. Regardless of the reason, you may want to compare Heritage against one or more of the companies below and request a homeowners quote:

Badge Icon Featured

Heritage

Heritage
Not scored
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American Family

American Family
Rating: 4.2 stars out of 5
4.2
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Cost & ratings

Rating: 4.3 stars out of 5
4.3

Coverage

Rating: 4.2 stars out of 5
4.2

Support

Rating: 4 stars out of 5
4.0

State Farm

State Farm
Rating: 4.3 stars out of 5
4.3
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Cost & ratings

Rating: 4.4 stars out of 5
4.4

Coverage

Rating: 3.9 stars out of 5
3.9

Support

Rating: 4.4 stars out of 5
4.4
OVERVIEW
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American Family generally offers lower-than-average rates, so if you’re looking for cheap homeowners insurance, you may want to consider a quote. You can potentially save even more through discounts geared toward new, renovated and LEED-certified homes.
State Farm sells home and car insurance, which could be a bonus if you want to bundle your coverage for a discount and ease of policy management. Additionally, the company has digital tools available, such as a highly rated mobile app and a full-service online policy portal.
STANDOUT FEATURES
Info Icon
Loan Icon
Discounts for bundling
Badge Icon
High-rated customer satisfaction
Dollar Coin Icon
Broad range of policy add-ons
Location Icon
Near-nationwide availability
Online Reviews Icon
Lauded digital tools
Briefcase Icon
National network of agents
AVG FULL COV. AUTO RATE
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$2,688 $2,743
J.D. POWER AUTO SCORE
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874/1000 882/1000
AVG HOME RATE
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$1,691 $1,955
J.D. POWER HOME SCORE
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638/1000 643/1000
AM BEST RATING
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A(Excellent) A++(Superior)
Bankrate logo

Why you can trust Bankrate

Read our full methodology

Our insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth Heritage insurance review.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Is Heritage a good insurance company?

Choosing the right insurance company is not a decision to take lightly. Bankrate’s insurance editorial team has years of combined industry experience and includes licensed insurance agents. We conduct extensive insurance company reviews with the goal of providing you with the information you need to make an informed decision on your insurance coverage and carrier.

With that in mind, whether Heritage Insurance is a good company depends on your needs. If you’re looking to bundle your homeowners and auto insurance or prefer managing your policy digitally, Heritage may not be the right fit. However, if you live in a higher-risk area where insurance options are limited or want a smaller carrier that's familiar with the coverage challenges in your area, Heritage could be worth exploring. In the end, the best way to determine if it is a good company may be to contact an exclusive agent and request a quote.

What are real-life customers saying about Heritage?

As part of any insurance review we do, Bankrate’s insurance editorial team looks for feedback from real-life customers. However, information online about Heritage home insurance is pretty limited, and much of the sentiment around the company on online forums like Reddit and Quora skews negative. Heritage works primarily in high-risk states, where insurance can be more expensive and harder to find. This can cause premiums to become more expensive and potentially rise upon renewal.

Heritage company details

Heritage customers can manage their policies in the following ways:

  • Sales: Submit an online request form
  • Customer service: 855-620-9978 for Florida customers, 855-536-2744 for all other states
  • Claims: 855-415-7120
  • Sales email address: salesandmarketing@heritagepci.com
  • Payment address: Heritage Insurance c/o The Bank of Tampa, P.O. Box 22007, Tampa, FL 33622

State availability

Heritage is available in seven states: AL, CA, FL, GA, MS, NC and SC.

Heritage Insurance tools and benefits

In addition to property insurance, Heritage offers a few other perks:

  • Identity theft insurance: If your identity is stolen, Heritage identity theft insurance can help restore it by working with credit card companies, credit reporting bureaus and financial institutions. If you need to take time off work in order to deal with this problem, Heritage may offer $1,000 in lost wages per week for up to five weeks.
  • Artisan contractor insurance: Heritage offers contractor coverage through its commercial general liability (CGL) insurance. This policy can provide specialized financial protection for liability, equipment damage and more for those who work in home improvement.
  • Additional property coverage: In addition to homeowners coverage, Heritage offers condo insurance, landlord insurance and commercial residential coverage, such as condominium master policies and homeowners association (HOA) insurance.

Frequently asked questions about Heritage

Methodology

Bankrate utilizes Quadrant Information Services to analyze October 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

  • Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
  • Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
  • Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
  • Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
  • Coverage E, Liability: $500,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

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

Bankrate Scores

Our Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

What policyholders are saying about Heritage

CTA Heritage has 25 reviews

Heritage has 25 reviews

Dive into community reviews below and see what others think about Heritage.

3.8 Star Icon
25 ratings
Info Icon
72% of consumers
recommend this insurer
Score breakdown
5 stars
36%
4 stars
36%
3 stars
12%
2 stars
0%
1 star
16%
Score by category
Overall rating 3.8 / 5
Original cost 3.4 / 5
Coverage 3.9 / 5
Customer Support 3.8 / 5
Verified Badge Icon How we got these ratings

In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.

Community Reviews

See what users like you are saying about Heritage.
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Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
It was the insurrnwho fit my specific needs
How does this insurer compare to insurance companies you’ve had in the past?
This is the only one I have ever had
Insurance Type
Home
Score by category
Original cost 4 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
They are very competent
How does this insurer compare to insurance companies you’ve had in the past?
They know my wants
Insurance Type
Home
Score by category
Original cost 1 / 5
Customer Support 1 / 5
Coverage 1 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Coverage and the price
How does this insurer compare to insurance companies you’ve had in the past?
They are better and are really heads on
Insurance Type
Home
Score by category
Original cost 2 / 5
Customer Support 3 / 5
Coverage 2 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
Better coverage
Insurance Type
Home
Score by category
Original cost 2 / 5
Customer Support 2 / 5
Coverage 2 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
Low rates, good prices.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Friendly staff
Insurance Type
Home
Score by category
Original cost 4 / 5
Customer Support 4 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
It is more open about the policies and costs.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
It is more convenient than most others.
Insurance Type
Home
Score by category
Original cost 2 / 5
Customer Support 3 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
I think they do a great job. I never had any problems with them and they take care of all my requests.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I would definitely leave a 5/5.
Insurance Type
Home
Score by category
Original cost 5 / 5
Customer Support 4 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
They have the best prices and are very affordable
How does this insurer compare to insurance companies you’ve had in the past?
Very affordable compared to others.
Insurance Type
Home
Score by category
Original cost 4 / 5
Customer Support 4 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
This was the cheapest option for me.
How does this insurer compare to insurance companies you’ve had in the past?
I would say it’s affordable at the time
Insurance Type
Home
Score by category
Original cost 3 / 5
Customer Support 4 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
The rates were pretty low
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Customer service is excellent and rates are low
Insurance Type
Home
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Written by
Natalie Todoroff
Writer, Insurance
Natalie Todoroff is an insurance writer and industry analyst for Bankrate. She is based in San Francisco and holds a personal lines insurance license.
Edited by Editor, Insurance