United Home Insurance Review & Complaints: Home & Auto Insurance (2024)

Premiums
Claims
Feedback
Financial Strength

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.

Read more: United Home Life Insurance Company Review

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.

United Home Insurance Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

When it comes to filing a claim with United Home Insurance, policyholders have multiple convenient options at their disposal. You can file a claim online through their website, make a claim over the phone by calling their toll-free number, or even utilize mobile apps for a hassle-free claims process.

Average Claim Processing Time

United Home Insurance doesn’t provide specific information about their average claim processing time on their website. To get accurate details on the time it takes to process a claim, policyholders are encouraged to contact their claims support staff directly.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback plays a crucial role in assessing an insurance company’s claim resolution process. United Home Insurance boasts an A+ rating with the Better Business Bureau (BBB), indicating a strong reputation for handling claims.

While there are limited Google reviews with some negative comments, most customer reviews on Clearsurance are positive, highlighting good customer service experiences and satisfaction with United Home Insurance’s claims handling.

United Home Insurance Digital and Technological Features

Mobile App Features and Functionality

United Home Insurance offers a mobile app that provides policyholders with access to essential features and functionalities. While the specific features may vary, these apps typically allow users to manage their policies, file claims, view documents, and even pay bills conveniently on their mobile devices.

Online Account Management Capabilities

Policyholders can easily manage their accounts online through the United Home Insurance website. Online account management typically includes tasks such as policy updates, premium payments, accessing policy documents, and tracking claims.

Digital Tools and Resources

United Home Insurance offers digital tools and resources to assist policyholders in making informed decisions. While the exact tools and resources may vary, they often include educational materials, calculators, and guides to help policyholders understand their insurance coverage options and make the right choices for their needs.

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.