United Heritage Financial Group
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
No public-facing home underwriting or appetite guide was verified on the official website. Verified current official guidance indicates the carrier writes property & casualty business through a restricted agent portal rather than publishing open appetite details. For Home, treat underwriting guidance as agent-only and obtain specifics from the assigned underwriter or marketing representative. Verified geographic footprint for the property & casualty carriers is limited: United Heritage Property & Casualty Company is licensed in Arizona, Idaho, Oregon, and Utah; Sublimity Insurance Company is licensed in Idaho, Oregon, and Utah. Public materials do not confirm state-by-state home product availability, preferred classes, or explicit declined risks, so those items should be confirmed directly before marketing or submission. Operationally, broker/producer notes available on the official agent site show submissions and servicing are handled through the UHPC Agent Administrative System, with support routed to the Property & Casualty Marketing Department. Comparative rater setup support is available for PLRating, IBQ, EZLynx, and ITC TurboRater. System errors are directed to the assigned underwriter or marketing representative, and contact information is said to be available in the Important Documents section of the portal. General policy and billing support uses p&csupport@unitedheritage.com / 1-800-877-8862 Option 0, billing uses Option 2, claims use Option 1, and marketing/commissions/user ID support goes to uhpcmarketing@unitedheritage.com. Public legal language also states product inquiries are directed to a licensed agent/producer and that the company does not accept applications from residents of jurisdictions where it is not licensed. Because no public appetite bulletin, underwriting manual, or submission checklist was verified, restricted/declined classes, construction/age requirements, protection class rules, catastrophe limits, and document requirements remain unverified from public sources and should be requested from the carrier portal or underwriting contact.