Heritage Insurance Company Review

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Written by
Darren Craft
Financial Rating
A on Demotech
NAIC
14407
NAIC Group
Heritage Insurance Holdings, Inc.
Address
1600 Mccormick Drive, Suite 300, Clearwater, FL 33759
Service Phone Number
Claims Phone Number
Jurisdictions
AL, FL, GA, MS, NC, SC
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Heritage Insurance Company at a Glance

Heritage Insurance Company is a homeowner insurance company founded in 2012 and based in Tampa, Florida. The insurance company is publicly traded on the New York Stock Exchange under the ticker symbol of HRTG.

The company operates in numerous states, including Alabama, California, Florida, Georgia, Mississippi, North Carolina, and South Carolina. The company has a customer review rating of 2.05 stars out of 5 on Better Business Bureau and is rated A on Demotech.  

What Type of Insurance Does Heritage Insurance Company Offer?

Heritage Insurance Company offers various home insurance policies to the Florida home insurance market.. This includes personal liability coverage, loss of use coverage, personal property and values coverage, as well as other structures coverage.

Heritage Insurance also offers policies for condo insurance, dwelling insurance, and commercial residential insurance. The commercial residential insurance includes policies for homeowner associations, condo associations, apartment complexes, and retirement communities.

You can purchase additional insurance to increase your level of personal property and valuables protection. The company also offers landlord insurance if you are renting out a single-family or duplex home. 

What to Know about Heritage Insurance Company

The average cost of Heritage Insurance’s home insurance policies is $2129 per year for $250,000 in dwelling coverage, which is nearly double the national average.

However, it is important to take into consideration that many homeowners insurance policies in Florida have higher premiums due to the risk of hurricane and storm damage, which is very costly. 

Financial Summary Table

Reporting Period Net Admitted Assets Policyholders Surplus Gross Premiums Written Net Premiums Written
Reporting Period3/31/2022 Net Admitted Assets$720,864,692 Policyholders Surplus$124,074,592 Gross Premiums Written$162,224,400 Net Premiums Written$161,190,721
Reporting Period12/31/2021 Net Admitted Assets$757,444,444 Policyholders Surplus$120,035,928 Gross Premiums Written$652,324,186 Net Premiums Written$328,754,429
Reporting Period12/31/2020 Net Admitted Assets$765,288,005 Policyholders Surplus$136,300,126 Gross Premiums Written$633,521,681 Net Premiums Written$352,764,902

What Discounts Does Heritage Insurance Company Offer?

Like many other insurance companies, Heritage Insurance does not make their discount options available online. It is worth asking their representatives to see whether you may qualify for insurance discounts. 

Heritage Insurance Company Customer Service

The Heritage Insurance Company customer service can be reached by phone 1 (855) 620-9978 (Florida) and 1 (855) 536-2744 (all other states). If you want to ask about your claims or file one, you can call them toll free at 1-855-415-7120. The claims hotline is available 24 hours a day and 7 days a week. Questions can also be submitted online

Get In Touch

1
Fill Out the Contact Form
Start by filling out our online contact form.

Provide your details and specific insurance needs, and a representative from Worth Insurance will reach out to you promptly to discuss how we can help you find the right coverage.
2
Schedule a Consultation
After submitting the form, schedule a consultation at a time that suits you.

This one-on-one session will allow us to understand your requirements better and offer personalized advice on choosing the best insurance policies for your Florida home.
3
Receive Your Tailored Insurance Plan
Following the consultation, we'll craft a tailored insurance solution that fits your needs and budget.

We aim to provide you with a seamless and informative journey towards securing the right coverage for your home in Florida.
Written by
Darren Craft
Writer, Insurance
Read more from author
Darren Craft is a licensed insurance advisor. He has been an angel investor in a number of prominent fintech and insurtech startups.

Frequently Asked Questions

What is Heritage Insurance Company's average claim response time frame?

The average claim response time frame seems to take a while, considering the number of negative reviews on Better Business Bureau that criticize the company’s customer service. If you are looking to file a claim with them, it is important to do so as soon as possible to raise your chances of getting a timely response.

What is Heritage Insurance Company's claims process?

The Heritage Insurance claims process is open 24/7. You report a claim by calling them toll-free at (855) 415-7120. Compared to other companies, there is a noticeable lack of information and methods when it comes to reporting claims, making it inconvenient for customers to do so. 

Does Heritage Insurance Company have good homeowners insurance?

While Heritage Insurance offers various homeowners insurance options, along with ways to expand your protection, they do not appear to have the best customer service or the smoothest claims process.

Worth Insurance can help you find better rates and value by quickly comparing quotes across the top insurance companies in your area. If you live in Florida, you know that it’s important to be prepared for hurricane season as a property owner or renter. Since shopping for home insurance can be complicated, let Worth Insurance handle the details for you.

What is Heritage Insurance Company's customer service availability?

The claims hotline is available 24/7 at 1-855-415-7120. There are separate numbers to call for Florida policyholders and ones from other states. You can reach their customer service by phone at 1 (855) 620-9978 (Florida) and at 1 (855) 536-2744 (all other states). 

Does Heritage Insurance Company create a user-friendly experience for customers?

According to the abundance of negative reviews from customers online, the customer experience is not the best. There are many complaints of the insurance company failing to respond to claims in a timely and helpful manner. 

Is Heritage Insurance Company a good insurance company?

Heritage Insurance Company is a fairly new homeowners insurance company located in Florida. If you are searching for homeowners insurance, condo insurance, or commercial residential insurance, the company may be able to offer you fairly competitive pricing through its independent agency network. However, the company has a noticeably lacking reputation among customers for their difficult claims process. It is also unclear whether they have discounts for loyal customers.