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United Home Insurance is headquartered in Paragould, Arkansas, where it was founded. It also sells policies under the brand Farm and Home Mutual Insurance Company, aka Farmer’s Mutual Aid Association.
Both companies sell their policies through independent agencies. Policies are available only in Oklahoma, Missouri and Arkansas.
Policies appear to be standard. You can purchase first-party damage coverages such as collision and comprehensive to cover the repairs to your own vehicle. You can also buy liability insurance with limits of up to $100,000 for property damage and $500,000 for injuries. These are not particularly high limits, but they are well above the state requirements. Lower limits are available to purchase if you wish for a reduced cost.
Once a policy is purchased, you can round it out with some additional coverages such as towing, rental reimbursement, uninsured motorist and personal injury protection/medical payments coverage.
Direct Repair Program
Similar to many insurance companies, United Home offers a Direct Repair Program. Essentially, this means that you take your damaged vehicle to a repair shop that’s affiliated with the insurance company. The shops are independently owned and operated, but they have an agreement to work with the insurance company and complete repairs for the amount quoted by the adjuster. In exchange, the insurance company will offer a lifetime guarantee on those repairs.
In general, using a preferred repair shop is a good idea. You’ll have the work guaranteed, and repairs will usually be completed much faster since the estimate will not be open to debate. It’s not a bad idea to scope out the shops in an insurer’s network before signing on for this, though, just to get an idea of who would be doing your repairs. In smaller towns especially, one shop could be affiliated with several insurers, so your preferred repair shop might already be on the list.
The primary focus of United Home is on personal property insurance, and the company sells several different types of policies to cover the needs of various property owners:
- Homeowners insurance covers houses that are owned rather than rented. These policies cover the structure of the home itself as well as related structures such as sheds or carports. It also covers the contents of the home, including your personal property, and some limited liability, which would likely cover you in the event your dog bites someone, for example. Additionally, United Home policies will pay for alternate living expenses in the event that a covered loss makes your home unliveable.
- The Farm owners insurance offered by United Home is better suited to small or medium-sized family farms rather than large commercial enterprises. Farm owners insurance pays for damages to a farmer’s home and its contents, but it also covers losses to important farming structures such as barns, grain bins, and farm equipment. Coverage is also available for livestock under certain conditions.
- Renters insurance pays for the personal property of an apartment dweller or someone who rents their home. The reason for this is that the owner of the rental property is financially responsible for repairing damages to the home itself but not to its contents. Renter’s insurance acts to close that gap in case your personal belongings are damaged in a fire, flood or similar loss. It can also provide coverage for belongings that are stolen even if they were not taken from the rented property.
- Dwelling insurance is a more limited form of homeowners coverage. It provides protection against a specific, limited set of perils, with additional perils available for an added price. It does not cover damage to additional structures, personal contents or liability.
United Home Insurance policies are sold only through agencies, therefore the user is unable to obtain a quote without finding an agent. The cost of a policy will depend upon the coverages you choose to add as well as personal factors, including your age, marital status and driving history.
To find an agent, click the Agents tab on the United Home homepage. Select “Find an Agent” and input your address to be matched with the nearest agency.
Claims information is available on the website by clicking “Claims” in the top menu.
Claims can either be reported directly to your agent or by calling the claims number at 1-800-467-0723, or emailing firstname.lastname@example.org. Once the initial loss has been reported, an adjuster will contact you to walk you through the rest of the claims process.
United Home Insurance is a small company covering a limited geographic area, which makes finding customer reviews a challenge. Although it doesn’t seem very active, United’s Facebook page has 154 “likes”, however is without reviews or customer feedback to get a feel of the company’s relationship with its customer base.
United Home Insurance Company is not accredited on the Better Business Bureau website, however the site does give the company an A+ rating. The site lists five reviews, all of which are negative citing poor service regarding claims.
When researching the company, note that an unrelated business has a similar name: United Home Life Insurance. This company has significantly more reviews and complaints, but it has different corporate owners and is an entirely separate entity. So be sure that you’re looking at information about the right company before drawing any conclusions.
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United Home Insurance is a small company, servicing just three states. Unfortunately, we were unable to as much information as we would have preferred for the company, and are therefore unable to make a recommendation at this time. The best option might be to find a local trusted insurance agent or agency and seek their opinion of United Home Insurance, and then determine if it would be a good choice for your personal situation.
For a list of companies that we recommend, visit our Best Insurance Companies page.