Homeowner's Insurance

Homeowners insurance policies provide a predefined package of protection against loss of property from a number of perils and against liability claims that may arise out of ownership of your home or personal activities. If you have a business in your home, see our Business Insurance Policy .

Six policies are offered depending on your needs, the age of your home, past claims history and other qualifications. They include policies for:

Owner occupied homes
Condominiums
Renters

Gold Plus and Silver Plus policies are for homeowners with good claims and financial history. The home must be 40 years old or less. The policies include:

The insured amount for the Dwelling
10% of that amount for Other Structures
70% of that amount for Personal Property
20% of that amount for Loss of Use
Personal Liability including Personal Injury (Libel & Slander) with a limit of $300,000 to $500,000
Medical Payments to Others with limits of $2,000
Dwellings, Other Structures and Personal Property are insured at replacement cost
There are many other Optional and limited Additional Coverages available
A Non-smoker Discount applies

This description is not a policy. The contract contains limitations and exclusions. All provisions of the policy apply.

Bronze and Bronze II policies are for homeowners with good to fair claims and financial history. The policies include:

The insured amount for the Dwelling
10% of that amount for Other Structures
70% of that amount for Personal Property
20% of that amount for Loss of Use
Personal Liability including Personal Injury (Libel & Slander) with a limit of $100,000 to $500,000
Medical Payments to Others with limits of $1,000 or $2,000
Dwellings, Other Structures and Personal Property are insured at replacement cost
There are many other Optional and limited Additional Coverages available
A Non-smoker Discount applies to the Bronze

This description is not a policy. The contract contains limitations and exclusions. All provisions of the policy apply.

The Condominium policy is to provide coverage for individual condominium owners with good claims and financial history. Condominium policies are offered only in Idaho. The policy includes:

The insured amount for Personal Property
15% of that amount for the owners part of the unit that is the owner's sole responsibility
30% of that amount for Loss of Use
Personal Liability including Personal Injury (Libel & Slander) with a limit of $300,000 to $500,000
Medical Payments to Others with limits of $2,000
Dwellings, Other Structures and Personal Property are insured at replacement cost
There are many other Optional and limited Additional Coverages available
A Non-smoker Discount applies

This description is not a policy. The contract contains limitations and exclusions. All provisions of the policy apply.

The Tenants policy is to provide coverage for renters with good claims and financial history. The policy includes:

The insured amount for Personal Property
20% of that amount for Loss of Use
Personal Liability including Personal Injury (Libel & Slander) with a limit of $100,000 to $500,000
Medical Payments to Others with limits of $1,000 to $2,000
Dwellings, Other Structures and Personal Property are insured at replacement cost
There are many other Optional and limited Additional Coverages available
A Non-smoker Discount applies

This description is not a policy. The contract contains limitations and exclusions. All provisions of the policy apply.

If you would like information about any of the Products United Heritage Property & Casualty has to offer please contact us at (208)493-6200, or click here to locate an agency.