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Ponderosa Plus Product



- Not offered in Arizona -


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


The Ponderosa Plus product has been designed for farm or ranch properties, which show pride of ownership and are well maintained. A claims free discount may be offered if the applicant has been claims free for 3 years. The home must be 40 years or newer. May be a manufactured home if 25 years or newer.


The product includes:

  • The insured amount for the Dwelling
  • 10% of that amount for Private Garages
  • 70% of that amount for Personal Property
  • 20% of that amount for Loss of Use
  • Outbuildings and Farm Personal Property may be scheduled
  • Personal, Farm and Ranch Liability including Personal Injury (Libel & Slander) with a limit of $300,000
  • Medical Payments to Others with a limit of $2,000
  • Dwellings, Private Garages 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.