Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. By refinancing your mortgage, total finance charges may be higher over the life of the loan.
Credible Operations, Inc. NMLS # 1681276, is referred to here as "Credible."

United Property and Casualty (UPC) Insurance was founded in St. Petersburg, Florida. UPC’s vision has remained the same over the last two decades: to be the premier provider of property insurance for coastal communities. In 12 catastrophe-exposed states, UPC is currently selling homeowners, condos, flood, landlords, renters, and seasonal products.

Here’s everything you need to know about United Property and Casualty insurance:

What’s protected with UPC insurance?

UPC is the 13th largest provider of property insurance in America, with more than 600,000 policies on the books and over $1.3 billion in property premiums. UPC markets a suite of flexible and affordable property products, including:

Homeowners insurance

The insurer writes HO-3 and HO-5 home policies that take care of replacement costs for the structure, as well as personal property, liability, and loss of use. In certain states, UPC also sells these policy enhancements for an additional premium:

  • Identity theft coverage
  • Scheduled personal property for high-value items
  • Equipment breakdown
  • Water backup and sewer overflow coverage

UPC currently offers its primary homeowners product in CT, FL, GA, HI, LA, MA, NC, NJ, NY, RI, SC, and TX.

Condominium insurance

UPC sells condo insurance that includes protections for personal property, loss of use, and liability. There is additional coverage for occupant(s) of owner-occupied condo or co-op units that provides identity theft coverage, golf cart protection, and rented to others endorsements.

UPC currently sells its condo product in FL, LA, MA, NJ, NY, NC, RI, SC, and TX.

Landlord and seasonal home insurance

UPC sells insurance for landlord, seasonal, and secondary properties. This coverage includes dwelling fire protection against specific types of risks, including lightning, fire, and windstorm.

The UPC Landlord and Seasonal plan doesn’t cover personal property or building contents. However, policyholders can opt to add a Vacancy Extension Endorsement. This additional protection will remain in place for up to 90 days of vacancy, so long as the landlord is actively trying to find a renter.

UPC clients also have the choice of buying and adding these to their policy:

  • Home systems protection
  • Service line coverage
  • Water backup
  • Additional amounts of Coverage A

UPC currently sells its landlord and seasonal product in FL, GA, LA, MA, NJ, RI, SC, and TX.

Renters — contents and liability only

UPC sells renters insurance, also called tenants insurance, in a handful of states. This type of policy does not offer coverage for the dwelling structure. The UPC Renters policy provides liability coverage, personal property, and loss of use.

UPC currently sells its renters product in FL, GA, LA, MA, NC, NJ, NY, RI, SC, and TX.

In addition to the UPC products listed above, the insurer also offers flood insurance.


Compare home insurance from top carriers

  • Fully digital experience — Fill out all of your insurance forms online, no phone call required!
  • Top-rated carriers — Choose from a mix of highly reputable national and regional home insurance carriers.
  • Data privacy — We don’t sell your information to third parties, and you won’t receive any spam phone calls from us.

Get Insurance Quotes Now

UPC details and reviews

United Property and Casualty Insurance swiftly became a practical option in high-risk coastal states, specifically CT, FL, GA, HI, LA, MA, NJ, NY, NC, SC, RI, and TX. Over 20 years, the insurer rapidly introduced their product to new territories while also acquiring other insurance carriers such as Journey Insurance, Interboro Insurance, AmCoastal Insurance, and Family Security Insurance Company.

UPC has been accredited by Better Business Bureau (BBB) since 2013 and maintains an “A+” rating. The insurer has a solid “A (Exceptional)” Demotech financial strength rating.

Finally, we checked out the National Association of Insurance Commissioners (NAIC) consumer index report for UPC. The NAIC consumer report indicates the carrier experiences higher than average complaints on claims experiences. For example, with the NAIC average complaint index is 1.0, UPC seems to be on the higher end: 6.16 (2019), 6.58 (2018), 2.18 (2017).

Filing a claim with UPC

UPC makes filing a claim just as easy as all other property carriers. Policyholders have three options for notifying UPC of a new loss:

  • Call 1-888-256-3378 to reach the UPC Claims Department.
  • File a claim online.
  • Contact your UPC appointed insurance agent.

Once UPC receives your claim, they’ll assign the case a claims number and a claims adjuster. In certain situations, the insurer may send one of their approved providers out to your property for emergency services. You can also call the toll-free UPC claim number to follow up on your claim or submit an existing claim inquiry form via the carrier’s website.

Where is UPC insurance available?

UPC offers insurance products in Florida, Georgia, North Carolina, South Carolina, Louisiana, Texas, Hawaii, New York, New Jersey, Massachusetts, Connecticut, and Rhode Island.

Final thoughts

United Property and Casualty Insurance operates its business based on a “Keep the Promise” mantra, along with six core values: teamwork, trust, accountability, integrity, bias to action, and persistence.

Considering UPC insures residential and commercial property located along 12 high-risk coastal states, these are admirable goals.

Overall the carrier has strong financial ratings and plenty of assets to cover legitimate claims. If you have a home or condo in an area that frequently experiences tropical storms or hurricanes, check UPC for property insurance.


Need home insurance?
The Credible marketplace, which includes insurance services by Young Alfred, makes it easy to find a carrier and policy that’s right for you.

  • Fully online — Fill out all insurance forms online and buy homeowners coverage without ever picking up the phone. If you have any questions, Young Alfred offers 24/7 customer service.
  • Save time, money, and effort — Compare quotes from highly rated home insurance carriers in your area. It’s fast and easy.
  • Data privacy — Your information is kept safe and secure. We don’t sell your information to third parties, and you won’t get any spam phone calls from us.

Get Insurance Quotes Now

Disclaimer: All insurance-related services are offered through Young Alfred.

About the author
Credible Staff
Credible Staff

The goal of the Credible editorial writers and staff is to help our readers get up to speed on issues surrounding student loans, mortgage, and personal finance, so you can make informed decisions. We’re here to help you stay on top of the latest news, trends, concepts, and changes in policy and regulations.

Read More