Heritage Insurance Review & Ratings (2024)

Looking for reliable Heritage Insurance reviews? Get real insights from policyholders and make informed decisions. Our comprehensive analysis covers ratings for overall satisfaction, claims, cost, billing, and service satisfaction. Find out what customers have to say about Heritage Insurance and compare rates from top insurance providers in your area.

UPDATED: Dec 2, 2023

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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 company and cannot guarantee quotes from any single insurance company.

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 above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 2, 2023Fact Checked

D. Gilson, PhD

Professor & Published Author

D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from S...

Professor & Published Author

Chris Abrams

Licensed Insurance Agent

Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...

Licensed Insurance Agent

UPDATED: Dec 2, 2023

Advertiser Disclosure

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 company and cannot guarantee quotes from any single insurance company.

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 above to use the free quote tool. The more quotes you compare, the more chances to save.

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: Dec 2, 2023

Advertiser Disclosure

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 company and cannot guarantee quotes from any single insurance company.

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 above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 2, 2023

Advertiser Disclosure

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 company and cannot guarantee quotes from any single insurance company.

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 above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 2, 2023Fact Checked
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Heritage Insurance

Average monthly rate for good drivers:

N/A

A.M. Best rating:

N/A

Complaint level:

Low

Pros

  • Excellent customer service, praised for responsiveness and agent assistance.
  • Competitive rates, particularly favorable for drivers with good records or multiple policies.
  • Efficient and straightforward claims process, contributing to positive customer experiences.

Cons

  • Limited coverage area; available primarily in a select number of states.
  • Limited discount options compared to some other insurance providers.
  • Reported limitations in the user-friendliness and features of the company’s website and online tools.

Final Verdict: Review of Heritage Insurance

Heritage Insurance is a Florida-based car insurance company that provides a range of coverage options to drivers in select states. The company has been in operation since 1999 and has a mission to provide affordable insurance products that meet the needs of its customers.

Heritage Insurance offers a variety of coverage options, including liability coverage, collision coverage, comprehensive coverage, and more. The company’s rates are generally competitive, particularly for those with good driving records or multiple policies.

Heritage Insurance also offers several discounts, including safe driver, multi-policy, multi-car, good student, anti-theft device, and mature driver discounts. However, Heritage Insurance has a limited coverage area and is only available in select states, which may be a disadvantage for those outside of the company’s service area.

Additionally, while the company offers some discounts, some customers report that there are not as many options available as with some other insurance companies. Finally, some customers report that the company’s website and online tools could be more user-friendly and offer more features.

What You Should Know About Heritage Mutual Insurance

Welcome to our comprehensive article on Heritage Insurance and everything you need to know before making an insurance decision. In this informative piece, we delve into various topics related to Heritage Insurance, including its history, mission, products, and services. We also provide real user reviews, giving you insights into overall satisfaction, claims, cost, billing, and service satisfaction.

Interesting attributes of Heritage Insurance:

  • Customizable policies: Heritage Insurance offers a range of customizable policies to its customers, allowing them to choose the coverage levels that best suit their needs and budget.
  • Strong online presence: With a user-friendly website and mobile app, Heritage Insurance makes it easy for customers to manage their policies and file claims online.
  • Personalized customer service: Heritage Insurance prides itself on providing personalized customer service to each of its customers, with a dedicated agent assigned to each policyholder to ensure they receive the support they need.

To make the best choice for your insurance needs, we encourage you to compare rates from the top insurance providers in your area. Simply enter your ZIP code and gain access to free quotes, allowing you to protect what matters most while enjoying competitive rates and reliable coverage. Don’t miss out on this opportunity to make an informed decision – take action now and secure the insurance you deserve.

Heritage Insurance History and Mission

Heritage Insurance is a car insurance company that was founded in 1994 in Clearwater, Florida. The company’s mission is to provide affordable and customizable insurance products to its customers, with a focus on personalized customer service and building long-term relationships with its policyholders.

Over the years, Heritage Insurance has expanded its reach and now operates in over 10 states across the US, including Florida, Georgia, and South Carolina. Despite its growth, the company remains committed to its founding mission of providing affordable and customizable insurance products to its customers.

Heritage Insurance understands that every driver’s needs are different, and therefore offers a range of customizable policies to help its customers choose the coverage levels that best suit their needs and budget.

The company also understands that accidents and other car-related emergencies can be stressful and overwhelming, and is dedicated to providing personalized customer service to each of its policyholders.

Heritage Mutual Insurance Coverage Options

Discover the tailored protection Heritage Insurance provides for your journey on the road. Our diverse range of insurance products, including liability, collision, comprehensive coverage, personal injury protection, and roadside assistance, is designed to meet the unique needs of every driver.

At Heritage, we understand that individual needs vary, which is why we offer customizable policies to help you choose coverage levels that align with your budget and requirements. Heritage Insurance offers a range of insurance products to its customers, including:

  • Liability coverage: This is the most basic type of car insurance and is required by law in most states. Liability coverage protects policyholders from the financial impact of damage they cause to other people or their property while driving. Liability coverage will cover the cost of repairing or replacing the other party’s vehicle or property, as well as any medical expenses or legal fees that may arise.
  • Collision coverage: Collision coverage covers the cost of repairs to a policyholder’s car in the event of a collision, regardless of who is at fault. This type of insurance is designed to cover the cost of repairing or replacing a policyholder’s vehicle in the event of an accident and is particularly important for drivers who have a newer or more expensive cars.
  • Comprehensive coverage: Comprehensive coverage protects policyholders against non-collision damage, such as theft, vandalism, or weather-related damage. This type of insurance is designed to cover the cost of repairing or replacing a policyholder’s vehicle in the event of damage that is not caused by a collision.
  • Personal injury protection: Personal injury protection (PIP) covers medical expenses for policyholders and their passengers in the event of an accident. PIP insurance can also cover lost wages and other expenses that may arise as a result of an accident.
  • Roadside assistance: Roadside assistance provides 24/7 emergency roadside assistance for policyholders who experience a breakdown or other car-related emergency. This type of insurance can cover the cost of towing, fuel delivery, battery jumps, and other services that may be needed in an emergency.

Heritage Insurance understands that every driver’s needs are different, and therefore offers a range of customizable policies to help its customers choose the coverage levels that best suit their needs and budget.

The Cost of Coverage With Heritage Insurance

The cost of coverage with Heritage Insurance can vary depending on several factors, including the type of coverage, the level of coverage, the driver’s age and driving history, the make and model of the vehicle, and the state where the policy is issued. However, here is an overview of the average cost of some of the most common types of coverage with Heritage Insurance:

  • Liability coverage: The cost of liability coverage with Heritage Insurance can vary depending on the level of coverage, the driver’s age and driving history, and the state where the policy is issued. On average, liability coverage can cost anywhere from $50 to $150 per month.
  • Collision coverage: The cost of collision coverage with Heritage Insurance can vary depending on the age and condition of the vehicle, the driver’s age and driving history, and the state where the policy is issued. On average, collision coverage can cost anywhere from $50 to $200 per month.
  • Comprehensive coverage: The cost of comprehensive coverage with Heritage Insurance can vary depending on the age and condition of the vehicle, the driver’s age and driving history, and the state where the policy is issued. On average, comprehensive coverage can cost anywhere from $50 to $200 per month.
  • Personal injury protection: The cost of personal injury protection with Heritage Insurance can vary depending on the level of coverage, the driver’s age and driving history, and the state where the policy is issued. On average, personal injury protection can cost anywhere from $20 to $100 per month.
  • Roadside assistance: The cost of roadside assistance with Heritage Insurance is typically included as an add-on to a policy and can cost anywhere from $5 to $20 per month.

As you explore coverage options with Heritage Insurance, recognizing the factors that impact costs empowers you to tailor your policy to your unique needs. From liability to comprehensive coverage, each type comes with its own considerations.

Keep this overview in mind as you navigate the details of your insurance plan, ensuring that you not only protect what matters most but also do so in a way that aligns with your budget and preferences.

Areas Where Heritage Insurance is Offered

Heritage Insurance offers car insurance coverage in a limited number of states. As of my knowledge cutoff date of September 2021, Heritage Insurance is primarily available in the following states:

  • Alabama
  • Georgia
  • Mississippi
  • North Carolina
  • South Carolina
  • Tennessee

If you’re interested in finding out whether Heritage Insurance provides coverage in a specific state, there are a few options you can take to find out. Here’s what you can do:

  • Check the company website: The easiest way to find out if Heritage Insurance offers coverage in a particular state is to check the company’s website. You can look for a “coverage map” or similar section of the website that lists the states where coverage is available. You can also find contact information for the company on the website.
  • Contact a local agent: If you’re interested in getting coverage from Heritage Insurance, you can contact a local agent in your area. The company’s website typically provides a directory of local agents, and you can use this to find an agent in your area. You can then contact the agent directly to ask about coverage in your state.
  • Use an online insurance comparison website: These websites typically allow you to enter your location and other information about your car and driving history, and then provide you with a list of insurance companies. If Heritage Insurance is included in the list of companies, you can then contact them directly to get more information.

Knowing whether Heritage Insurance extends its coverage to your state is the first step towards securing the right insurance for your needs. The provided options, from checking the company website to contacting local agents or utilizing online comparison tools, offer you practical avenues to determine the availability of Heritage Insurance in your area.

As you embark on the journey to safeguard your vehicle and ensure peace of mind on the road, these steps will guide you in confirming Heritage Insurance’s presence in your state.

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Heritage Mutual Insurance Rates Breakdown

Understanding the factors that influence car insurance rates is crucial when navigating the complex landscape of insurance coverage. Several key elements play a significant role in determining the premiums individuals pay. Whether it’s the impact of one’s driving history, age, or even the type of vehicle insured, each factor contributes to the overall cost of coverage.

Let’s delve into these factors to gain insights into how they shape the pricing structure of car insurance policies.

  • Driving History: A clean driving record often results in lower premiums, while accidents or traffic violations may lead to higher rates.
  • Age: Younger drivers, especially teens, may face higher premiums due to perceived higher risk. Older drivers, on the other hand, may benefit from lower rates.
  • Gender: While some states no longer allow gender to be a determining factor, in others, it may still play a role in setting insurance rates.
  • Vehicle Type: The make and model of the insured vehicle can impact rates. Luxury cars or high-performance vehicles may have higher premiums.
  • Coverage Level: The extent of coverage chosen, such as liability limits and deductible amounts, affects overall premium costs.
  • Location: The state and specific geographic area where the policyholder resides can influence rates due to varying levels of risk.

As you explore car insurance options, recognizing the factors that affect rates empowers you to make informed decisions aligned with your needs and budget. From maintaining a clean driving record to considering the type of vehicle you drive, each element plays a role in shaping your insurance costs.

Whether you’re a teen driver, an experienced motorist, or reside in a specific geographic location, understanding these dynamics allows you to navigate the insurance landscape with greater confidence. Keep these considerations in mind as you explore coverage options and seek a policy that aligns with your unique circumstances.

Heritage Mutual Insurance Discounts Available

Heritage Insurance offers several discounts to help its customers save money on their car insurance premiums. Here are some of the most common discounts that are available:

  • Safe driver discount: If you have a clean driving record and have not had any accidents or traffic violations for a certain period of time, you may be eligible for a safe driver discount. This discount can vary depending on the state where the policy is issued, but can typically save you up to 20% on your premium.
  • Multi-policy discount: If you have multiple insurance policies with Heritage Insurance, such as car and home insurance, you may be eligible for a multi-policy discount. This discount can vary depending on the state where the policy is issued, but can typically save you up to 25% on your premium.
  • Multi-car discount: If you insure multiple cars with Heritage Insurance, you may be eligible for a multi-car discount. This discount can vary depending on the state where the policy is issued, but can typically save you up to 25% on your premium.
  • Good student discount: If you are a student who maintains a certain grade point average (GPA) or higher, you may be eligible for a good student discount. This discount can vary depending on the state where the policy is issued, but can typically save you up to 15% on your premium.
  • Anti-theft device discount: If your car has an anti-theft device installed, you may be eligible for an anti-theft device discount. This discount can vary depending on the type of device installed, but can typically save you up to 10% on your premium.
  • Mature driver discount: If you are over a certain age, typically 55 years old, you may be eligible for a mature driver discount. This discount can vary depending on the state where the policy is issued, but can typically save you up to 10% on your premium.

As you explore car insurance options, understanding the available discounts with Heritage Insurance opens doors to potential savings. Whether you qualify for a safe driver discount, leverage the benefits of multi-policy or multi-car discounts, or meet the criteria for a good student or mature driver discount, these opportunities contribute to a more affordable coverage.

Tailoring your policy to incorporate these discounts not only safeguards your vehicle but also ensures that you benefit from cost-effective solutions tailored to your specific circumstances.

Delving Into the Claims Protocol of Heritage Insurance

Ease of Filing a Claim

Filing a claim with Heritage Insurance is designed to be a straightforward process, offering multiple convenient options for policyholders. Whether you prefer the ease of online submissions, the convenience of phone assistance, or the mobility of mobile apps, Heritage has you covered. This accessibility ensures that you can report a claim in a way that suits your preferences and needs.

Average Claim Processing Time

One critical aspect of the claims process is the speed at which claims are processed. Heritage Insurance understands the importance of timely resolutions. The company aims to process claims efficiently, helping policyholders get back on their feet after an unexpected event. However, specific processing times may vary depending on the nature and complexity of the claim.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback plays a vital role in evaluating an insurance company’s claims process. Policyholders’ experiences can provide valuable insights into the effectiveness of Heritage Insurance’s claims resolutions and payouts. Positive feedback can highlight the company’s commitment to customer satisfaction, while negative feedback can shed light on areas that may require improvement.

Shaping the Future: Heritage Insurance Digital and Technological Innovations

Mobile App Features and Functionality

Heritage Insurance offers a mobile app designed to enhance the overall customer experience. This app is equipped with various features and functionalities, making it easier for policyholders to manage their insurance needs on the go. Whether it’s accessing policy information, making payments, or filing claims, the mobile app provides convenience at your fingertips.

Online Account Management Capabilities

Managing your insurance policy online is a breeze with Heritage Insurance. The company provides policyholders with robust online account management capabilities. This includes the ability to view policy details, make changes, and review billing information. The online portal simplifies the insurance process, giving customers more control over their policies.

Digital Tools and Resources

In today’s digital age, access to helpful tools and resources is essential. Heritage Insurance recognizes this need and offers a range of digital tools to assist policyholders. Whether you’re looking for educational resources, calculators to estimate coverage needs, or information on available discounts, Heritage’s digital tools are designed to empower you with knowledge and support your insurance decisions.

How Heritage Mutual Insurance Ranks Among Providers

In the competitive landscape of the insurance industry, understanding a company’s main competitors is essential for individuals seeking the best coverage options. Heritage Insurance operates in a market where several players vie for customers’ attention. Here, we highlight some of the main competitors that share the stage with Heritage Insurance, offering alternatives for those exploring diverse insurance solutions.

Main Competitors of Heritage Insurance:

  • State Farm: A prominent player in the insurance industry, State Farm is known for its extensive range of insurance products, including auto, home, and life insurance. Their nationwide presence and comprehensive coverage options make them a significant competitor.
  • Allstate: With a strong presence in the insurance market, Allstate offers a variety of coverage options, innovative features, and discounts. Known for its wide network of agents and digital services, Allstate competes in the same space as Heritage Insurance.
  • Progressive: Recognized for its aggressive marketing and user-friendly online platform, Progressive is a major competitor in the auto insurance sector. They emphasize transparency and provide tools for customers to compare quotes easily.
  • GEICO: Renowned for its catchy advertising campaigns and competitive pricing, GEICO is a direct competitor offering a variety of insurance products. Their focus on simplicity and online accessibility appeals to a wide range of customers.
  • Farmers Insurance: Operating in both personal and commercial insurance sectors, Farmers Insurance competes with Heritage Insurance by providing a range of coverage options. They are known for their personalized service and local agent network.

As individuals navigate the insurance market, being aware of Heritage Insurance’s main competitors provides a broader perspective on available options. State Farm, Allstate, Progressive, GEICO, and Farmers Insurance are formidable players, each bringing unique strengths to the table. By considering these alternatives, consumers can make well-informed decisions that align with their specific insurance needs and preferences.

Heritage Insurance Customer Reviews

Customer reviews are an important aspect of evaluating an insurance company, as they provide insights into the experiences of policyholders. Heritage Insurance has generally positive reviews from customers. Here’s a summary of what customers are saying about the company:

Strengths:

  • Customer service: Many customers praise Heritage Insurance for its excellent customer service. The company is said to be very responsive to customer needs and inquiries, and agents are described as helpful and friendly.
  • Affordable rates: Many customers report that Heritage Insurance offers competitive rates, particularly for drivers with good driving records or multiple policies.
  • Easy claims process: Customers report that the claims process with Heritage Insurance is relatively easy and straightforward, and that the company handles claims efficiently.

Weaknesses:

  • Limited coverage area: Some customers note that Heritage Insurance is only available in a limited number of states, which can be a disadvantage for those who live outside of the company’s coverage area.
  • Limited discount options: While Heritage Insurance does offer some discounts, customers report that there are not as many options available as with some other insurance companies.
  • Limited online tools: Some customers report that the company’s website and online tools could be more user-friendly and offer more features.

As potential policyholders navigate the landscape of insurance providers, the experiences of others can be a guiding light. Heritage Insurance’s strengths in customer service, competitive rates, and an efficient claims process shine through in customer reviews.

However, acknowledging the limitations, such as the coverage area and available discounts, provides a balanced perspective. Keeping these insights in mind allows individuals to make informed decisions, aligning their expectations with the experiences shared by fellow customers.

Frequently Asked Questions

What is Heritage Insurance?

Heritage Insurance is a car insurance company that was founded in 1994 in Clearwater, Florida. The company offers affordable and customizable insurance products to its customers, with a focus on personalized customer service and building long-term relationships with its policyholders.

What types of insurance does Heritage Insurance offer?

Heritage Insurance offers a range of insurance products to its customers, including liability insurance, collision insurance, comprehensive insurance, personal injury protection, and uninsured/underinsured motorist coverage.

How much does car insurance cost with Heritage Insurance?

The cost of coverage with Heritage Insurance can vary depending on several factors, including the type of coverage, the level of coverage, the driver’s age and driving history, the make and model of the vehicle, and the state where the policy is issued.

In which states is Heritage Insurance available?

Heritage Insurance is primarily available in the following states: Florida, Georgia, and South Carolina.

What are the discounts offered by Heritage Insurance?

Heritage Insurance offers a variety of discounts to help its customers save on their policies. Some of the discounts available include safe driver discounts, multi-car discounts, good student discounts, and anti-theft device discounts.

Is Heritage Insurance a good company?

Heritage Insurance has received mixed reviews from customers, with some praising the company’s personalized customer service and affordable pricing, while others have criticized its claims handling and slow response times.

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D. Gilson, PhD

Professor & Published Author

D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from S...

Professor & Published Author

Chris Abrams

Licensed Insurance Agent

Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...

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.

Reviews
for Heritage Mutual Insurance

3.06 (6 reviews)
4
February 21, 2017

Clearsurance-user

My insurance

Good to deal with on claims. Fast service on claims and questions.
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