Heritage insurance review 2025

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.

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:

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

Bankrate utilizes Quadrant Information Services to analyze February 2025 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.

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.