United Home Insurance Review & Complaints: Home & Auto Insurance (2023)

Purchasing an insurance policy and the research that goes along with that process is a necessary evil. It is important to safeguard your possessions and investments in case of damage or loss, but how we go about choosing the right insurance company and policy is not so certain of a path.

By the end of all your research and comparison shopping, how are you as the potential policyholder able to make a confident decision on which is the right insurance company that will meet all your needs? Wouldn’t it be nice to have a helping hand in the matter especially when considering there are so many options?

That is where we come in with our brief and detailed rundown of everything there is to know about an insurance company. We even have you covered on the more regional carriers like United Home Insurance Company. From customer reviews to credit rankings, we have got you covered, so you can make a worry-free, educated decision on whether United Home is the right insurance company for you.

United Home Insurance Company recently passed the 100-year mark in business and writes property & casualty insurance, which ties into home insurance, in three states. Like many smaller insurers, they trace their roots to a farm mutual insurance association.

If you are already in the Arkansas area and want to find out what a policy with United Home Insurance would cost you, then look no further than our free online quote engine. You simply type in your ZIP code above to get a FREE insurance quote.

What is United Home Insurance Company?

The roots of United Home go back to 1914, when a group of farmers in Paragould, Arkansas formed a small mutual fire association. The original name, Farmers Tri-County Mutual Fire Association, was changed to Farmers Home Mutual in 1929.

In 1978, the company added casualty insurance to its existing property insurance lineup. Expansion beyond Arkansas happened in 2007 as the result of a merger with United Home Insurance Company out of Oklahoma. The company now operates under the United Home name in Arkansas, Oklahoma, and Kansas.

The company writes personal auto insurance and a variety of home insurance products, including farmowners policies, in keeping with its heritage. Policies are sold through local agents, and the company headquarters remain in Paragould, Arkansas.

United Home Insurance Products

The insurer offers basic personal and farm insurance products for auto and home. The website offers a limited amount of information on these products.

Auto Insurance

There is not much information on the company’s auto insurance program on its website. They promise competitive rates, automatically applied auto and homeowners insurance discounts, and insurance coverage for a variety of vehicles including antique and trailers.

United Home’s basic auto insurance program includes a roadside assistance option, but we were unable to find a list of other optional coverages for the auto policy.

Property Insurance

As a homeowners insurance company, United Home writes standard insurance policies as well as dwelling fire for second homes or rental homes. They also offer renters insurance and a farmowners policy intended to cover home and farm in one.

As with its auto insurance, there is not much information on these policies, their coverage options, or any other program details.

Does the Company Offer Competitive Insurance Rates?

United Home relies on agents to sell policies, so it is not surprising that you can’t get a United Home Insurance quote online. That can make it hard to evaluate rate comparisons on insurance costs with this company.

Small, regional insurance companies do not usually offer rates as low as the national average, which is driven by huge direct buy insurers like Geico. However, they can be competitive on a regional level, especially taking into account the perceived value added by personal service. So getting affordable insurance is certainly a possibility.

How Are Claims Handled?

Claims can be filed through your insurance agent, by calling a toll-free number, or via email. The site does not specify whether or not the toll-free line is available 24/7.

IF YOU HAVE AN ACCIDENT OR LOSS, YOU MAY FILE A CLAIM BY:
Contacting your local agent or you may contact our claims support staff directly by calling 1-800-467-0723 or emailing [email protected]

If you would rather leave a paper trail, direct mail in is also a method for claim service with United Home Insurance.

MAILING ADDRESS:

P.O. Box 1546
Paragould, AR 72451

The United Home Direct Repair network is the company’s preferred repair shop system through which they offer a guarantee on repairs. As with all insurance companies, the insured can choose any repair shop they prefer.

Beyond these basics, there is not much in the way of claims information offered on the company website.

Are the Ratings and Consumer Reviews Positive?

The insurer has an A+ rating with the Better Business Bureau (BBB), making it one of the best rated home and auto insurance companies in their region. There are no complaints on file in the past three years.

There are five reviews on Google, most of which are negative. The complaints focus on denial of claims and poor response to customer concerns. There is one very positive review that cites a completely opposite experience.

There are 56 customer reviews on Clearsurance, most of which are positive. The overall rating is 4 stars, and most comments cite a good customer service experience, with a few complaints about claims and people happy that they chose to buy United Home Insurance.

To discover more in-depth information about United Home’s financial strength rating, you should review information available from Moody’s or A.M. Best companies.

What’s the Bottom Line?

There is not really enough information available on this company to make a solid recommendation, but there are no red flags either. They appear to have a good reputation among customers, and it might be a good choice for those who prefer to work with an agent and have only basic insurance needs.

Are you looking for property or auto insurance in the Arkansas area?

If so, then check out our free online quote engine. You will get the best competitive quoted rates in your area, and all you have to do is type in your ZIP code. We will guide you through the rest of the process, and before you know it, you’ll be one step closer to being insured.