Reputation grade
F
Peer-relative, A–F
Insurer profile · Heritage · NAIC + CMS
Heritage Property & Casualty
Heritage Property & Casualty's complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.
- F
- Reputation grade
- 2.98
- Complaint index
- 3
- States active
The verdict
Heritage Property & Casualty earns a F reputation grade - a significantly worse record than peers, according to the NAIC's published complaint index, its ratio runs 2.98, above the 1.0 market average.
- F
- reputation grade
- 2.98
- NAIC complaint index
Grades are peer-relative within PlainInsurer's dataset. A high complaint ratio is not proof of wrongdoing, larger insurers draw more complaints by volume, which the index normalises.
NAIC complaint index
2.98
1.0 = market average; lower is better
Est. complaint volume
~1,097
across 3 states, index-derived
Reputation grade F (composite score 0.0) - A=Excellent, F=Failing. Based on NAIC complaint ratios and CMS denial data.
Where Heritage Property & Casualty sits on complaints
NAIC complaint index vs the market average and the dataset range (1.0 = market average; lower is better)
- Best in data 0.23
Lowest complaint index in PlainInsurer's dataset: 0.23
0.23 complaint index
- Market avg 1
Market average complaint index = 1.0 (NAIC benchmark)
1 complaint index
- Heritage Property &
Heritage Property & Casualty: complaint index 2.98
2.98 complaint index
- Worst in data
Highest complaint index in PlainInsurer's dataset: 3.87
3.87 complaint index
What this shows Heritage Property & Casualty's complaint index of 2.98 is 198% above the 1.0 market average for a carrier of its size.
Heritage Property & Casualty vs. the full rated-insurer dataset
Complaint index across all rated insurers, bucketed (100% = market average)
298% 3rd percentile more affordable than 3% of 72 rated insurers
Each bar is a band; taller bars hold more rated insurers. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source NAIC published complaint index (2024) · 2024
Scale vs. complaint-adjusted score
Each point is a rated insurer, placed by raw complaint count and its size-normalized composite score (lower is better). Complaint counts rise with scale on their own, this shows whether Heritage Property & Casualty's score tracks its volume or beats it.
NAIC complaint counts and PlainInsurer composite scores (2024), 72 rated insurers
Complaint record by line of business
| Line | Est. complaints | Complaint index | States active |
|---|---|---|---|
| Home Insurance | ~1,097 | 2.98 | 3 |
What the data shows for Heritage Property & Casualty
According to PlainInsurer's dataset, Heritage Property & Casualty has a lower (better) NAIC complaint index than 3% of the 72 rated insurers it tracks and ranks #17 of 17 carriers by complaint ratio in Home Insurance.
Heritage Property & Casualty, part of Heritage, carries a F reputation grade in PlainInsurer's dataset, with a composite score of 0.0 (higher means more consumer friction relative to size). Its NAIC complaint index of 2.98 sits above the 1.0 market average, meaning policyholders escalate more disputes to regulators than is typical for a carrier of its premium volume.
Heritage Property & Casualty does not appear in the CMS marketplace claim-denial file, which covers individual-market health issuers, common for auto, home and life carriers. The carrier reports activity across 1 line of business.
In short: complaint and denial data show how Heritage Property & Casualty compares to peers, not what your own claim experience will be. Weigh price, coverage terms and state licensing before any purchase. Source: NAIC Consumer Information Source complaint data (2024). Reputation grade computed by PlainInsurer from public NAIC data, see methodology.
Use this data wisely. Complaint and denial figures reflect regulatory filings, not individual claim outcomes. A high complaint ratio is not proof of illegal behaviour. This page is informational and is not financial, legal, or insurance advice, verify coverage decisions with your insurer or a licensed agent.
Other F-graded carriers in PlainInsurer's dataset include Kemper Auto and Root Insurance, and the closest overall composite score to Heritage Property & Casualty's 0.0 belongs to SafeAuto (Kemper) (0.0).
Other F-graded insurers
Carriers with the same peer-relative reputation grade
| Insurer | Grade |
|---|---|
| Kemper Auto | F |
| Root Insurance | F |
| Dairyland Insurance (Sentry) | F |
| Hippo Insurance | F |
| Direct General (Allstate) | F |
Closest composite score to Heritage Property & Casualty
Carriers with the nearest overall composite score (0.0)
| Insurer | Composite score |
|---|---|
| SafeAuto (Kemper) | 0.0 |
| Infinity P&C (Kemper) | 0.0 |
| Gainsco Insurance | 0.0 |
Frequently asked questions
What does Heritage Property & Casualty's grade mean?
Heritage Property & Casualty received a grade of F, indicating a significantly worse record than peers. PlainInsurer grades insurers on a curve relative to the ~200 carriers in our dataset, using the NAIC complaint index (normalized by premium volume) and Medicare Advantage prior-authorization data where available.
How many complaints does Heritage Property & Casualty have?
PlainInsurer estimates Heritage Property & Casualty's complaint volume at roughly 1,097 across 3 states, derived from its published NAIC complaint index and market footprint (NAIC does not release exact per-company complaint counts via public bulk data). Raw counts favour smaller insurers, PlainInsurer uses the complaint index itself (complaints relative to premium volume, where 1.0 is the market average) to compare carriers fairly.
How do I file a complaint against Heritage Property & Casualty?
Contact your state's Department of Insurance, most accept complaints online, by phone, or by mail. The NAIC also runs a central portal at naic.org. Document your policy number, claim number, dates, and the issue before filing.
Is Heritage Property & Casualty a good insurance company?
It depends on your coverage needs, state, and budget. PlainInsurer's F grade reflects a significantly worse record than peers relative to peers. Always compare quotes from multiple carriers and check complaint data for your specific state and line of coverage.
What types of insurance does Heritage Property & Casualty offer?
Based on NAIC filing data, Heritage Property & Casualty reports activity in 1 line of business: Home Insurance. Availability varies by state.
What to do with this
How to act on Heritage Property & Casualty's complaint and denial record.
- Compare this carrier side-by-side with another before you buy. Compare insurers
- See how every insurer in your state ranks on complaints and denials. Browse by state
- Understand how the complaint index compares carriers fairly. Read the guide
Complaint ratios normalise by premium volume so larger carriers are not penalised for writing more policies.
Verify Heritage Property & Casualty
Heritage Property & Casualty is filed with the NAIC under company number 14494. Search that number directly in the NAIC's own public consumer-information tool to cross-check this page against the primary source.
Verify on NAIC Consumer Information SourceSource: NAIC published complaint index data Complaint index, reputation grade for Heritage Property & Casualty · 2024 NAIC complaint index aggregates state-DOI consumer complaints, normalized against premium volume (1.0 = market average). Denial rates from CMS Transparency in Coverage PY2025. Reputation grade is PlainInsurer's peer-relative methodology applied to this public data.
Download the data behind this page
The full PlainInsurer extract, covering every insurer including Heritage Property & Casualty, is available as CSV and JSON. Underlying federal data is public domain; see our methodology for the compilation and grading method.
Data: NAIC published complaint index (2024). Not affiliated with NAIC or CMS.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-07-28. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.