Home insurance policies can help you rest easy at night, knowing your most valuable asset is protected from unexpected disasters or events like theft and vandalism. Homeowners insurance safeguards not only your home’s structure and your personal property—it can also shield you from legal fees and medical expenses if someone gets injured on your property.

Unfortunately, not all home insurance companies are reputable with a proven track record. There are many different companies, from local to national, with varying levels of coverage, quality of customer service, and availability. The This Old House Reviews Team has created this in-depth Heritage home insurance review to help you determine if it’s the best homeowners insurance company for your home’s needs.

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Table of Contents

  • Our Take
  • Pros & Cons
  • Coverage
  • Availability
  • How Much Does Heritage Insurance Cost?
  • Reviews of Heritage Insurance
  • Heritage vs. The Competition
  • Our Conclusion
  • Frequently Asked Questions

Our Take

Heritage offers comprehensive home insurance coverage with a variety of optional add-on coverages at affordable rates. However, Heritage only offers home insurance coverage in five states, making it suitable for very few homeowners. In addition, there is no online quote tool, and it can take several days to receive a quote via email—even though the company representatives claim they will send one within one business day. Overall, we give Heritage home insurance a score of 77.50 out of 100 on metrics like coverage, availability, customer service, and more.

On Heritage’s Better Business Bureau profile, complaints cite a lack of responsiveness from claims adjusters. Reviews range from praising great customer service to echoing concerns about delays in payments.

Pros & Cons

Compare the advantages and disadvantages of Heritage homeowners insurance.

Comprehensive coverageOnly available in five states
Regional expertiseNo online quote tool
No 24/7 customer service by phone


Heritage offers all of the industry-standard coverage in its basic policy.

Dwelling + other structuresCovers your home’s interior and exterior structure, plus detached structures like a shed or garage
Personal propertyCovers your personal property in the case of covered loss, including furniture, clothing, appliances, and electronics
Loss of use/Additional living expensesCovers the cost of temporarily living outside of your home due to covered damage or destruction
Personal liabilityCovers legal fees in the event you are sued for injury or personal property damage to a guest
Medical payments to othersCovers medical expenses of a guest who gets injured at your home, regardless of fault

Heritage also offers some endorsement options you can add to your policy to customize your coverage.

  • Animal liability
  • Credit card, electronic fund transfer card, forgery, and counterfeit money
  • Equipment breakdown
  • Extended theft coverage
  • Identity fraud expense coverage
  • Inflation guard
  • Limited fungi, wet or dry rot, or bacteria coverage
  • Limited water backup or sump pump discharge or overflow coverage
  • Ordinance or law increased amount of coverage
  • Personal injury coverage
  • Personal property replacement cost
  • Refrigerated property
  • Service line
  • Specified additional amount of insurance coverage for the dwelling


Heritage home insurance is only available in five states—Alabama, Florida, Georgia, North Carolina, and South Carolina.

How Much Does Heritage Insurance Cost?

The exact cost of Heritage home insurance depends on many factors, including your property value, size, the materials it was constructed with, where you live, the coverage limits you select, the insurance deductible you choose, and more.

We received an estimate for a single-family, roughly 2,200-square-foot-home in South Carolina. The quote we received was $101.83 per month.

Type of CoverageAmount of Coverage
Other structures$33,900
Personal property$169,500
Loss of use/Additional living expenses$101,700
Personal liability$300,000
Medical payments to others$5,000
Monthly Cost$101.83


Heritage only offers a few discounts to help you lower your premium.

Protective devicesDiscount for installed burglar alarms, fire alarms, or in-home sprinkler systems
Secured building or communityDiscount if your residence is protected by manned gates, passkeys, or 24-hour security
SeniorDiscount if you are age 55 or older

Reviews of Heritage Insurance

Heritage insurance is not accredited by the Better Business Bureau and holds an A rating from the organization. See what some customers had to say about their experience with Heritage.

Mary P. said:

“We had a claim for damages from a lightning strike. Our claim was handled swiftly, professionally, politely, accurately, and timely. Our claims adjuster/recovery specialist provided great customer service, with patience in answering our questions. He resolved the claim and made the payout expeditiously. He was very nice and compassionate also. We are pleased with the service from Heritage during this stressful time.”

James V. said:

“I recently had a claim denied by them due to unforeseen and inherited damage. I did what they told me to do and they used it all against me. The rep that was handling the claim basically had his mind made up before an adjuster ever came out.They didn’t even tell me, they declined it…I would much rather pay more per year to be with a different company. I will continue to post and comment in every place I can to save others from the aggravation of a company that only cares about their own pocket and not the consumer.”

Heritage vs. The Competition

See how Heritage stacks up against some of its top competitors on key metrics.

Our score77.5083.5096.60
State Availability527*48 (not available in AK and HI)
BBB RatingAB+A+
Years in Business85113
24/7 Claims Service by PhoneX
Protective Devices/Safety Features Discount
Bundling DiscountX
Mobile AppX

*Lemonade home insurance is available in AZ, AR, CA, CO, CT, GA, IL, IN, IA, MD, MA, MI, MO, NV, NJ, NM, NY, OH, OK, OR, PA, RI, TN, TX, VA, WA, WI

Our Conclusion

Although Heritage offers affordable rates for comprehensive coverage—including more endorsement options than many of the home insurance companies we’ve evaluated—its coverage is limited to only five states. No online quote tool is available, there is no 24/7 customer service by phone, and the company was only launched eight years ago. Overall, we give Heritage home insurance a score of 77.50.

To find the best provider for your individual needs, we always recommend getting quotes from multiple home insurance companies that serve your area:

Compare Homeowners Insurance Policies
Answer a few simple questions and we'll take care of the rest.

Frequently Asked Questions

Company Information

  • Company name: Heritage Property & Casualty Company
  • Company type: Private
  • CEO: Bruce Lucas
  • Year founded: 2012
  • Headquarters: 2600 McCormick Drive, Ste. 300, Clearwater, FL 33759
  • State availability: 5
  • BBB rating: A

Our Methodology

The This Old House Reviews Team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:

  • Coverage (30)
  • State availability (7.5)
  • Customer service (15)
  • Technology (12.5)
  • Reputation (20)
  • Additional benefits (15)

Our Reviews Team has a full-time researcher who collects and regularly updates datapoints from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.