UPC Insurance Company Review

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Written by
Darren Craft

UPC Insurance, formally known as United Property & Casualty Insurance Company, has provided homeowners insurance focused on properties at high risk for natural disasters since 1999. Despite its strong presence in catastrophe-prone areas, UPC has recently ceased writing new home insurance policies in several states, including Florida.

Financial Rating
M by Demotech
NAIC Group
United Insurance Holdings Group
800 2nd Avenue South, St. Petersburg, Fl 33701
Service Phone Number
Claims Phone Number
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UPC Insurance Company Overview

Due to changes in its business strategy, UPC is planning to cancel all home insurance coverage including service line coverage in Louisiana and Texas by the end of 2023. These moves come after a history of competitive pricing and a focus on regions most insurance companies might avoid, raising concerns about its long-term viability for current policyholders.

  • Established: 1999, specializing in high-risk areas
  • Headquarters: St. Petersburg, Florida
  • Financial Rating: M (Moderate) by Demotech
  • BBB Rating: A+ (Not Accredited)
  • States Served: Originally in FL, LA, TX, and others, but retracting coverage
  • Recent Changes: Ceased new home systems protection insurance coverage policy writings in FL, plans to cancel existing policies in LA and TX

UPC Insurance's transition away from new policies and certain states indicates a strategic shift that may affect policyholders' choices. While it still offers robust coverage options, customers should verify current offerings and seek alternatives where necessary.

UPC Insurance Products and Packages

UPC Insurance offers a comprehensive range of products aimed at homeowners, landlords, and renters, particularly in regions prone to natural disasters. Their standard policies cover dwelling, personal property, liability, and additional living expenses, with options for customizing coverage through various endorsements.

The company stands out by offering unique add-ons tailored to the needs of homeowners in coastal areas. These enhancements include coverage options for flood damage and high-value personal property, which provide vital protection in catastrophe-exposed areas.

  • Homeowners Insurance: Standard coverage including dwelling, other structures, and liability.
  • Landlord Insurance: Protects property owners from potential damages or legal liabilities associated with rental properties.
  • Flood Insurance: Offered through the National Flood Insurance Program and private insurers, addressing the specific needs of homes in flood-prone zones.
  • Condo Insurance: Covers personal property and certain structural elements within a condominium.
  • Renters Insurance: Provides coverage for personal property and liability for those renting their home.

Standard Homeowners Package

This package includes essential coverages such as dwelling protection, personal property coverage, and liability. It's designed to meet the basic needs of homeowners, providing a safety net against common risks like fire, theft, and other perils.

Premier Package

The Premier package builds on the Standard by including replacement cost coverage for personal property and increased limits for certain coverages like tree removal. It's ideal for homeowners seeking greater protection and peace of mind.

Premier Plus Package

The most comprehensive option, the Premier Plus package, offers enhancements like higher coverage limits and additional protections not included in the Standard or Premier packages. This package is suited for those in high-risk areas needing extensive coverage, especially for personal property and specialty damages.

UPC Insurance Premiums

UPC Insurance has traditionally offered competitive rates, particularly beneficial for owners of higher-value homes. For instance, a policy with $550,000 dwelling coverage typically costs around $3,137 annually, which is approximately 7% less than the rates offered by competitors. However, for lower-value homes, UPC's rates may not be as competitive; a home insured for $150,000 might see annual premiums around $1,491, which is higher than some other insurers like State Farm​​.

Despite the favorable conditions for high-value properties, UPC's broader financial challenges and the restructuring of its operations, including the cessation of writing new policies in several states, add a layer of complexity for potential customers. The company's shift in strategy reflects a broader industry trend where insurers reassess their roles in high-risk areas​​.

  • Competitive for high-value homes: Attractive pricing for homes with higher coverage needs.
  • Less competitive for lower-value homes: Higher premiums compared to the market average for less expensive properties.
  • Financial restructuring: Recent financial and operational shifts could affect long-term premium stability.

UPC Insurance Discounts and Offers

UPC Insurance provides a variety of discounts aimed at reducing premiums for eligible policyholders. These discounts cater specifically to those with protective home features and newer homes, encouraging homeowners to invest in improvements that enhance safety and reduce insurance risks.

  • New roof discount: For homes with recently updated roofing, reflecting lower risk of water damage and leaks.
  • New home construction discount: Applies to newly constructed homes that meet current building codes and safety standards.
  • Hip roof discount: Offers savings for homes with hip roofs, which are more resistant to wind damage.
  • Protective device discount: Discounts for homes equipped with security systems, smoke detectors, or other protective installations.
  • Fortified home discount: Available to homes built or upgraded to specific fortification standards to withstand severe weather.
  • Companion policy discount: Savings when combining multiple policies, like home and auto insurance, with UPC.
  • Advance quote discount: For new customers who request a quote before their current policy expires.
  • Renovation discount: Encourages updates that improve the safety and durability of a home.
  • Smart home - water discount: For homes using smart technology to detect and prevent water damage.
  • Payment type discount: Savings for choosing preferred payment methods, such as full upfront payment.
  • Windstorm mitigation discounts: For homes with features that reduce damage from windstorms, like storm shutters.
  • Senior/retiree discounts: Available to older homeowners who meet certain criteria.
  • Water loss prevention credit: Offered for installations that prevent water damage, such as water sensors.

UPC Insurance Customer Service

UPC Insurance has faced significant challenges with customer service, especially in claims handling. Reports indicate an above-average volume of complaints, mainly concerning delays, unsatisfactory settlement offers, and claims denials, impacting policyholder satisfaction and trust.

  • Customer Service Phone Number: 1-800-295-8016
  • Claims Phone Number: 1-888-256-3378
  • Address: 800 2nd Avenue South, St. Petersburg, FL 33701

Eligibility & Underwriting Requirements

To obtain a policy with UPC Insurance, prospective customers must meet certain eligibility criteria which ensure the property is insurable and aligns with the company’s risk management strategies. This typically involves assessments related to the property’s location, condition, and value.

  • Location Eligibility: Must be in a state where UPC is licensed to operate.
  • Home Inspection: Likely required to assess the risk of natural disasters or existing damage.
  • Property Age: Discounts available for newer homes, implying a requirement or preference for newer constructions or renovated homes.
  • Risk Assessment: Evaluations for flood risk, hurricane exposure, and other regional hazards.

Documents Required

When applying for homeowners insurance with UPC, applicants need to provide certain documents that verify ownership and the property’s value. These documents help UPC assess the risk and determine appropriate coverage levels.

  • Proof of Home Ownership: Such as a deed or mortgage agreement.
  • Recent Home Inspection Reports: To verify the condition of the home and any recent upgrades or risks.
  • Detailed Home Inventory: For personal property coverage, detailing valuable items in the home.
  • Previous Insurance Claims History: Information on past claims, which can affect premiums and coverage options.

UPC Insurance Application Process

Applying for UPC Insurance involves a detailed evaluation to ensure both the property and the owner meet the company's underwriting standards. Initially, potential policyholders are required to provide comprehensive property details and previous insurance history. This information aids in determining the level of risk and appropriate premiums.

Following the submission of necessary documents, UPC typically conducts a property inspection to assess potential vulnerabilities, especially in areas prone to natural disasters. This step is crucial for properties in hurricane zones or flood-prone regions. Applicants are then presented with a quote, reflecting the coverage options and associated costs based on the evaluation.

For a smoother application process and personalized service that understands the complexities of insuring homes in Florida, consider Worth Insurance. Our experts are ready to assist you with every step of the application process, ensuring you receive the best possible coverage tailored to your needs. Get started by visiting Worth Insurance's free quote page to arrange a consultation.

How to Make a Payment

Making a payment to UPC Insurance is designed to be straightforward and convenient, catering to a variety of payment preferences. Policyholders can pay their premiums online using UPC's secure payment system, which supports a range of payment methods including credit card, debit card, and direct bank transfers.

For those preferring offline payment methods, UPC also accepts payments by mail or over the phone. This flexibility ensures that all policyholders can manage their payments in a way that suits their personal or financial circumstances.

  1. Online Payment:
    • Visit UPC Insurance's payment portal.
    • Log in with your policy details.
    • Select your payment method (credit card, debit card, or bank transfer).
    • Enter payment information and confirm the transaction.
  2. Phone Payment:
    • Call UPC Insurance's customer service at 1-800-295-8016.
    • Provide your policy number and payment details.
    • Complete the transaction with the help of a customer service representative.
  3. Mail Payment:
    • Send a check or money order to the postal address provided on your billing statement.
    • Include your policy number on the check for accurate processing.

How to File a Claim with UPC Insurance

Filing a claim with UPC Insurance is designed to be a straightforward process, aimed at providing quick and efficient resolutions. Policyholders are encouraged to file claims as soon as possible after an incident occurs to expedite the assessment and reimbursement process. The company offers multiple channels through which claims can be submitted, including online, over the phone, and through their mobile app.

Once a claim is filed, UPC Insurance works to assess the damage and determine the appropriate compensation quickly. Policyholders can track the status of their claims through UPC's online portal or by contacting their claims department directly. This transparency is part of UPC's commitment to providing reliable customer service during stressful times.

  1. Contact UPC Insurance: Call the claims department at 1-888-256-3378, or log into your account online to start the claims process.
  2. Submit Required Information: Provide details about the incident, including the date, description of the damage, and any supporting documentation such as photos or police reports.
  3. Assessment and Inspection: UPC may send an adjuster to inspect the damage and assess the claim’s validity and value based on the policy terms.
  4. Claim Review: Your claim will be reviewed by UPC's claims team, who will evaluate the adjuster’s report and any additional information provided.
  5. Resolution: Once approved, UPC will issue payment based on your policy's coverage limits and terms. If your claim is denied or you disagree with the settlement, you may appeal the decision or contact a claims supervisor for further review.

UPC Insurance Company Pros and Cons

In evaluating UPC Insurance, it’s crucial to consider both the strengths and weaknesses of their offerings. Below, you’ll find a concise list of the main pros and cons that highlight key aspects of UPC's services to help you make an informed decision about their insurance products.


  • Competitive high-value home rates
  • Multiple payment methods available
  • Broad coverage options
  • Flexible claims filing process


  • Higher rates for lower-value homes
  • Recent policy cancellations
  • Customer service complaints
  • Limited state availability

Who it's for: UPC Insurance is best suited for homeowners in high-risk areas who need comprehensive property coverage. It’s particularly beneficial for those with higher-value homes looking for competitive rates and extensive coverage options to protect against natural disasters.

Wrapping Up

While UPC Insurance offers valuable solutions for homeowners in catastrophe-prone areas, the recent changes in their policy offerings and customer service challenges might necessitate looking for more stable alternatives. For those exploring insurance options that combine reliability with comprehensive coverage, Worth Insurance provides tailored solutions to meet your specific needs in Florida.

Explore our range of homeowner insurance products and benefit from our expertise in securing properties against diverse risks. Visit Worth Insurance today to discuss your insurance needs with one of our experienced advisors and ensure your home is protected with the best possible coverage.

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Written by
Darren Craft
Writer, Insurance
Read more from author
Darren Craft is a licensed insurance advisor. He has been an angel investor in a number of prominent fintech and insurtech startups.

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