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United Heritage Insurance Summary
In 1934, Grange Mutual Life Company opened its doors in Washington and Idaho, serving only Grange members. By the time the company started selling insurance to the public in 1954, they had expanded into Oregon, Montana, and Colorado. Expansion continued until in 1991 when the name was changed to United Heritage Mutual Life Insurance Company, coverage was offered in 22 states.
In 2000, the company acquired Idaho Mutual Insurance Company and renamed in United Heritage Property and Casualty, and expanding their product line. Two more acquisitions, Sublimity Insurance Company in 2003 and Merced Property and Casualty in 2013 completed United’s current holdings.
United Heritage maintains headquarters in Meridian, Idaho, and sells its products through a network of independent agents. Online quoting is not currently available, with the exception of Merced Property & Casualty, directly from their website. The company continues to focus on life insurance and other financial products, while also offering basic personal auto and home insurance options.
Having started as a life insurance company, United Heritage still offers an array of life products including permanent life insurance policies, funeral expenses coverage, and annuities. Their acquired companies sell mainly home, auto, and related products, although small business policies are available as well.
United Heritage is best known for life insurance and offers a number of coverage options. Their life insurance ranges from classic permanent life insurance to final expenses planning policies. Currently, the company writes:
- Permanent Life insurance policies
- Pre-Need Funeral Planning policies to provide pre-paid funeral coverage
- Final Expense Policies in three different levels without medical exams
- Several Fixed Annuity options
- Group Life Insurance
United has a range of life insurance products broad enough to provide a comprehensive financial plan for retirement and final costs. Life insurance policies are available in 38 states and the District of Columbia.
Auto insurance policies are written by Sublimity Insurance in Oregon, Idaho, and Utah, and by United Heritage Property & Casualty in those three states as well as in Arizona. The benefits and features of auto insurance policies vary between the two companies. Auto coverage through United Heritage P&C is available through bundling with a qualifying home or farm policy, while Sublimity auto products can be purchased individually. While both are United companies, their auto coverage differs. Sublimity policies offer a range of flexible options for auto insurance such as:
- Renewal credits
- Split or combined single limit options
- Unusual discount such as for living in a small town
United Heritage P&C does not offer an auto/home discount, in spite of the requirement that you carry both. This discount is available to Sublimity policyholders. Discounts do not cross over between companies.
Three of United’s companies offer a variety of home insurance products. Both Sublimity and United P&C offer coverage in the same states for which they provide auto. Additionally, Merced Property & Casualty provides home insurance in California. Products available depend on your state and which insurance company you select.
- United Heritage P&C offers standard homeowners, farmowners, mobile and manufactured home, condo, tenant, and landlord policies.
- Sublimity provides standard homeowners, renters, farm, and landlord/rental property coverage.
- Merced covers homes under standard homeowners and dwelling fire policies for homes that do not otherwise qualify.
Package policies are available from both United Heritage P&C and Sublimity to reduce costs.
In addition to the popular life and personal lines products available, United Heritage also writes Business Insurance policies for small businesses and Personal Umbrella policies for those who want a higher level of liability coverage.
Premiums for United Heritage products will vary depending on the company writing the policy. Currently, there is no system available for comparing the price of insurance online with other insurance companies of a similar size. Both auto insurers writing policies for United Heritage are regional insurance companies and may not be competitive with large, national insurers.
Heritage’s life insurance products can also be expected to vary greatly due to the personal nature of life insurance rating systems, but as a relatively large company in this market, might be competitive with other similar companies.
The method for filing claims depends on the type of policy you have and which of the companies wrote the policy. For United Heritage P&C claims, there is an online claim form that can be used to start the claims process from the United Heritage site. Claims can also be submitted through your agent.
Sublimity Insurance claims can be submitted from the Sublimity website, using their online claims form. They can also be submitted by phone or by contacting your agent.
Merced Property & Casualty claims should be filed either directly with the company or by contacting your agent.
Each individual company will handle claims through their own claims department and adjuster. In order to receive a claims status, it would be best to contact your agent or the relative insurance company’s claims department directly.
United Heritage has been accredited with the Better Business Bureau (BBB) since 1996 and maintains an A+ rating. In the past three years the BBB has received only two complaints about the company, one of which was closed in the last 12 months. Neither Sublimity nor Merced, subsidiaries of United Heritage, has had any complaints registered with the BBB in the last three years. There are also no government actions against the company on record.
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United Heritage Insurance is likely to be a good choice for life insurance and related financial products. The auto and home insurance products available are mostly regional and may not be able to compete with larger national insurers, however they may appeal to those who prefer a smaller, local company backed by a large, financially stable parent company. Rates are likely to be most competitive for those with low-risk backgrounds and simple insurance needs.
For a list of companies that we recommend, visit our Best Insurance Companies page.