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About 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.
United Home 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 Products
Unite Home offers basic personal and farm insurance products for auto and home. The website offers a limited amount of information on these products.
There is not much information on the company’s auto insurance program on their website. They promise competitive rates, automatically applied discounts, and 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.
United Home writes standard homeowner’s 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.
Like their auto insurance, there is not much information on these policies, their coverage options, or any other program details.
United Home relies on agents to sell policies, so it is not surprising that the company does not offer online quoting.
Small, regional insurance companies do not usually offer rates as low as the huge direct buy insurers like GEICO, but they can be competitive on a regional level, especially taking into account the perceived value added by personal service.
Claims with United Home can be filed through your 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.
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.
Ratings and Consumer Reviews
United Home Insurance has an A+ rating with the Better Business Bureau (BBB), and 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.
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.
For a list of companies that we recommend, visit our Best Insurance Companies page.