Complaint Score
0.0 of 100
Normalized by premium volume across 3 states
Below avg
NAIC MCAS 2024 Grade F 3 states
Heritage Property & Casualty
Heritage Property & Casualty: 1,102 justified complaints across 3 states (NAIC MCAS 2024). Reputation grade F.
Part of Heritage
NAIC Code: 14494
Reputation grade F (composite score 0.0) — A=Excellent, F=Failing. Based on NAIC complaint ratios and CMS denial data.
Poor — significantly above-average complaints and/or denials
What This Grade Means for You
Heritage Property & Casualty has a significantly above-average complaint record relative to its market share. This is the lowest grade in the PlainInsurer scoring system, indicating persistent issues with claims handling, customer service, or denial practices. Consumers should carefully weigh alternatives and review the specific complaint categories before purchasing coverage from Heritage Property & Casualty.
Heritage Property & Casualty's composite score of 0.0 is derived from complaint ratios and operational data across 3 states. Scores below 30 reflect strong consumer satisfaction metrics.
Data note: This data reflects complaints filed with state insurance departments and regulatory filings.
A high complaint ratio does not necessarily indicate illegal behavior. Large insurers receive more complaints by volume;
complaint ratios normalize by premium size. Always verify coverage decisions with your insurer or a licensed agent.
This page is informational and does not constitute financial, legal, or insurance advice.
Heritage Property & Casualty appears in PlainInsurer's regulatory database with 1,102 justified complaints on file across 3 states under NAIC code 14494, operating as part of Heritage. The company's composite score of 0.0 translates to a reputation grade of F — this score combines NAIC complaint ratios, available CMS claim denial data, and Medicare Advantage prior authorization metrics where applicable. Lower composite scores indicate fewer consumer problems relative to company size; higher scores indicate more.
Looking at business mix, Heritage Property & Casualty reports activity in 1 line of business (Home Insurance). Its complaint score of 0.0 — normalized by premium volume — is what regulators and consumer-protection groups use to compare insurers fairly across different company sizes.
For consumers evaluating Heritage Property & Casualty, the practical implication is this: complaint ratio and denial data give a comparative view of how this insurer treats policyholders relative to peers, but they cannot predict your individual claim experience. The current F grade signals above-average consumer friction at Heritage Property & Casualty — review the state-by-state breakdown below and compare against peer insurers before committing to a policy. This page is not financial, legal, or insurance advice — verify all coverage terms with a licensed agent and consult your state's Department of Insurance for dispute or complaint procedures.
Total Complaints
1,102
3 states
Complaint Score 0.00 -100% vs. avg
Composite Score
0.0
Higher = more complaints
Claim Denial Score
N/A of 100
Not yet available for this insurer
States Active
3 states
NAIC Code: 14494
Consumer Risk Level 0.0%
National median
Composite score of 0.0 — lower is better
Complaint Data by Line of Business
| Line | Complaints | Avg Complaint Ratio | States Active |
|---|---|---|---|
| Home Insurance | 1,102 | 2.98 +198% vs. avg
| 3 |
Top states by complaint volume
Top 5 states — Heritage Property & Casualty consumer complaints
Source: NAIC Consumer Information Source (CIS) + CMS Medicare Advantage Star Ratings Insurer complaint counts and ratios for Heritage Property & Casualty across all reported lines of business and states · 2023 NAIC CIS aggregates state-DOI consumer complaints; complaint ratios normalize against premium volume so absolute counts and ratios can diverge. Reputation grade derived from PlainInsurer methodology applied to NAIC data.
State Presence (3 states)
Understanding Your Rights
If you have a dispute with Heritage Property & Casualty or any insurer, you have the right to file a complaint with your state's insurance commissioner. State regulators investigate consumer complaints, mediate disputes, and can take enforcement action against companies that violate insurance laws.
The NAIC's complaint filing page provides direct links to every state insurance department. Complaints can typically be filed online and are tracked as part of the public record that informs the complaint ratios shown on this page.
The data presented here covers all lines of business — auto, home, health, and life insurance. Complaint ratios are normalized by premium volume so that larger companies are not penalized simply for writing more policies.
Frequently Asked Questions
What does Heritage Property & Casualty's F grade mean?
Heritage Property & Casualty received a grade of F, which means "Poor — significantly above-average complaints and/or denials." This grade is calculated from the company's NAIC complaint ratio (normalized by premium volume), CMS claim denial rates where available, and Medicare Advantage prior authorization data. Consumers may want to compare this insurer against higher-graded alternatives in their state.
How many complaints does Heritage Property & Casualty have?
Heritage Property & Casualty has 1,102 total complaints on record across 3 states, based on NAIC Market Conduct Annual Statement (MCAS) data. The raw complaint count alone does not tell the full story — larger insurers naturally receive more complaints. PlainInsurer uses complaint ratios (complaints per premium dollar) to compare companies fairly.
How do I file a complaint against Heritage Property & Casualty?
To file a complaint against Heritage Property & Casualty, contact your state's Department of Insurance. Every state has an insurance commissioner's office that accepts consumer complaints — you can typically file online, by phone, or by mail. The National Association of Insurance Commissioners (NAIC) also provides a central complaint portal at naic.org. Document your policy number, claim number, dates of communication, and the specific issue before filing. Your state regulator can investigate and mediate disputes between you and Heritage Property & Casualty.
Is Heritage Property & Casualty a good insurance company?
Whether Heritage Property & Casualty is a good choice depends on your coverage needs, state, and budget. PlainInsurer gives Heritage Property & Casualty a F grade based on complaint ratios and denial data. The below-average composite score suggests fewer consumer issues than typical insurers. 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 operates in 1 line of business: Home Insurance. Coverage availability varies by state — Heritage Property & Casualty is licensed in 3 states. Check directly with Heritage Property & Casualty or your state's Department of Insurance for specific policy options in your area.
How does Heritage Property & Casualty compare to other insurers?
Heritage Property & Casualty's complaint data can be compared against other insurers using PlainInsurer's complaint ratio rankings. With a F grade, Heritage Property & Casualty ranks below the industry average for consumer complaints. To compare specific lines of coverage, visit the line-of-business rankings. For state-level comparisons, check the state pages where Heritage Property & Casualty operates.
Insurance Guides
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⚖️ Understand what the numbers mean for Heritage Property & Casualty
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🏥 Step-by-step internal and external review process
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Compare Heritage Property & Casualty Against Another Insurer
See a side-by-side complaint ratio and denial rate comparison.
Data: NAIC MCAS 2024 industry scorecards · CMS Transparency in Coverage PUF PY2025 · CMS Medicare Advantage analysis (CMS OIG OEI-09-22-00380, KFF 2023).
Not affiliated with NAIC or CMS.
Read our methodology — how this data is sourced, computed, and verified.
All federal data sources used on this page
- U.S. Census Bureau ACS — demographic + housing + income data. census.gov/programs-surveys/acs
- BLS Occupational Employment and Wage Statistics (OEWS) — wage + employment by occupation. bls.gov/oes
- BEA Regional Economic Accounts — GDP + personal income by state/metro. bea.gov/data/regional
- U.S. Census Bureau County Business Patterns — establishment + employment by industry. census.gov/cbp
- IRS Statistics of Income (SOI) — tax-return aggregate data. irs.gov/statistics
- data.gov — U.S. federal open-data portal — discovery layer for additional federal sources. data.gov
Related to Heritage Property & Casualty
Primary data: NAIC Market Conduct Annual Statement (MCAS) 2024. Medicare Advantage figures: CMS Office of Inspector General audit OEI-09-22-00380 and KFF 2023 Medicare Advantage analysis. Methodology and computation by PlainInsurer Editorial — see methodology.