Sublimity Insurance Company Review

Located about 60 miles south of Portland, Oregon, Sublimity Insurance takes its name from the community where it is based. Founded as a mutual insurance company in 1896 by local farmers to insure the population of Sublimity, Oregon and the surrounding area, it merged with the Idaho-based United Heritage Financial Group in 2003. For more than 100 years the company has maintained its focus on small and rural communities in the Northwest, and in 2008 expanded its operations into Utah.

Market Areas:
Active: OR, ID, UT—but licensed for all states.

Insurance Products

Insurance Products

Auto Insurance

Sublimity offers very flexible auto policies that can cover private passenger vehicles, motor homes, and travel trailers under one policy, even with split limits. Additional coverages include towing, rentals, and special equipment, multi-car and multi-policy discounts; generous renewal credits; added credit for living in a small community; driver training credit for teens and seniors.

Home Insurance

The Company offers a basic policy (HO1) but also special form coverage that includes “all risk” coverage except earthquake and flood; a comprehensive policy that covers “open perils” as coverage for anything not specifically excluded. Sublimity also  offers condo owner insurance and renters insurance. One of its best values is a coverage for owner-occupied older homes with replacement costs that exceed the market value. Multi-policy discounts, renewal credits, new home credit, and alarm credit.

Farm Insurance

Sublimity programs are designed for family-owned, small and medium farms and ranches. Policies are flexible, allowing everything from actual cash value to replacement cost coverage for homes, and very flexible coverages for buildings and equipment. Multi-policy discounts, renewal credits, new home credit, and alarm credit. Farm trucks are covered through a Sublimity auto policy.

Umbrella

Sublimity offers a true umbrella policy with coverage for defense cost and attorney fees included for claims against you, and not just excess liability coverage. Umbrella policies offer coverage not included in your primary policy.

Sublimity Insurance Company Rates

Sublimity’s programs are designed for lower risk customers who live in small towns or rural communities.

For those customers, its pricing can be competitive, but higher risk or metropolitan customers may find rates are unfavorable. As a company that was begun by farmers, its true specialty is providing coverage to small- and medium-sized, family-owned and operated farms and ranches with high quality operations and good standards of maintenance and upkeep.

Policies are sold through a network of about 240 independent agents in its three main markets. The company does offer an online search for local agents on their website.

Claims

Sublimity has an automated online claims system, including a glass only site with SafeliteSolutions. Clients can also file claims through their local agent or by calling 800-424-2491.

Consumer Research and Complaints

Although not accredited by the Better Business Bureau, Sublimity has an A+ rating based on zero complaints within the last three years.

The record with the National Association of Insurance Commissioners is similar zero complaints listed for 2016, in both the homeowner and private passenger columns.

Financial Strength

Rating Company	Grade	Financial Outlook
AM Best	A-	Stable
Fitch	N/A	N/A
S&P	N/A	N/A

Bottom Line

For rural customers in Oregon, Idaho, and Utah, Sublimity offers a good value. Although the initial premiums may be higher than competitors, Sublimity offers deep discounts for continued loyalty that can offset the overall cost of insurance through several years. At the same time, its record of service is exemplary, and its record of claims resolution is superior.

For a list of companies that we recommend, visit our Best Insurance Companies page.

Review Information