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Gold Plus & Silver Plus Products



This description is not a policy. The contract contains limitations and exclusions. All provisions of the policy apply.


Gold Plus and Silver Plus products have been designed for properties, which show pride of ownership and well maintained. A claims free discount may be offered if the applicant has been claims free for 3 years. A Gold Plus dwelling must be 40 years or newer. A Silver Plus dwelling must be 50 years or newer. The Silver Plus will allow a manufactured home 25 yrs or newer.


The products include:

  • The insured amount for the Dwelling
  • 10% of that amount for Other Structures
  • 70% of that amount for Personal Property
  • 20% of that amount for Loss of Use
  • Personal Liability including Personal Injury (Libel & Slander) with a limit of $300,000
  • Medical Payments to Others with a limit of $2,000
  • Dwellings, Other Structures and Personal Property are insured at replacement cost
  • There are many other Optional and limited Additional Coverages available

If you would like information about any of the Products United Heritage Property & Casualty has to offer please contact us at (208)493-6200, (800)877-8862, or click here to locate an agency.