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2021 UPC homeowners insurance review

Fact-checked with HomeInsurance.com

Florida-based United Property and Casualty Insurance, also known as UPC, has been writing policies in coastal states since 1999. It specializes in insurance for homeowners who live in high-risk areas prone to disasters such as hurricanes. UPC policies are available in twelve states: Connecticut, Florida, Georgia, Hawaii, Louisiana, Massachusetts, New Jersey, New York, North Carolina, Rhode Island, South Carolina and Texas.

UPC’s average annual rate is $1,464, which is slightly higher than the national average of $1,211. They offer a handful of discounts that can lower your costs, as well as optional coverage endorsements to customize your policy. Where UPC falls short, however, is in customer satisfaction. The J.D. Power 2020 U.S. Home Insurance Study places them in the 21st spot, which makes them second to last and below the industry average. 

UPC does have some nice customer perks, though, including the option to do a home self-inspection at your leisure with a smartphone or tablet. This can be used when you apply for a policy instead of having the hassle of making an appointment for an independent assessment of your property. 

UPC home insurance coverage options 

UPC offers a range of coverage options in its standard homeowners policy. Simply put, you can break down a UPC HO-3 policy as follows:

  • Coverage A/Dwelling: This coverage is for the house itself, as well as anything that’s permanently attached to it, like carpeting, cabinets and fixtures.
  • Coverage B/Other Structures: This is for structures that are not attached to the house, such as fences, a non-attached garage, a carport or a utility shed.
  • Coverage C/Personal Property: This part of your policy covers your personal property, like your furniture, clothes and electronics. Coverage for some items, such as jewelry and fine art, may be limited, but you can add additional insurance for these items at a cost.
  • Coverage D/Loss of Use: This coverage pays for costs incurred if you have to live elsewhere when your house is damaged due to a covered loss. It may include hotel and food costs and other expenses as needed.
  • Coverage E/Liability: If you are involved in a lawsuit because of an accident at your home, this section of coverage may pay for legal fees.
  • Coverage F/Medical Payments: This covers medical payments if someone is injured at your home, regardless of who is at fault.

UPC offers additional insurance options, which vary by state. Depending on where you live, you may be able to customize your policy by adding the following endorsements:

  • Scheduled personal property: This allows you to increase the coverage limits on items such as jewelry or fine art. 
  • Home systems protection: This provides added coverage for HVAC systems, appliances, computer equipment and more.
  • Service line coverage: This option covers the repair of utilities running underground to your home, such as electric, gas or internet lines.
  • Ordinance or law coverage: This coverage protects you if you need to do additional work following a disaster to bring your house up to code
  • Lock replacement: This coverage may pay for the fees associated with replacing the locks on your home.
  • Identity theft expense and resolution services: If your identity is stolen, this coverage can help pay for the fees associated with restoring it.
  • Credit cards, jewelry, silverware, firearms (theft): Policyholders may have the option to increase the coverage limit on their policy for these items.
  • Business property: If you have business property in your home, you may consider adding this endorsement to your policy to cover it.

UPC home insurance discounts

UPC offers several discounts, which can help you lower your premium. These discounts vary from state to state. In Florida, for example, you can take advantage of the following :

  • Multi-policy 
  • Protective devices installed
  • Accredited builder
  • Newer roof
  • Wind mitigation devices
  • Senior/retiree
  • Newer home

UPC customer satisfaction and complaints

UPC Insurance reviews are mixed, and organizations that rate insurance companies don’t place them highly in their ratings for customer service. J.D. Power, for example, puts them near the bottom of its customer service rankings. 

The National Association of Insurance Commissioners (NAIC) found the company to have a higher than average number of customer complaints. Their rating for UPC is 5.80, where anything over 1.00 is above the industry average.

UPC is not rated by AM Best, but received an A from Demotech. This indicator measures the financial stability of insurers and their ability to pay out on multiple claims following a large-scale disaster.

UPC vs. other insurance companies

Company2020 J.D. Power overall home satisfaction rating
(score out of 1000)
NAIC index ratingAM Best rating
UPC7775.80Not rated 
Allstate8290.60A+
American Family8210.38A
Amica8530.23A+
Auto-Owners8430.19A++
Chubb7780.24A++
Erie8390.23A+
Farmers8140.26B++
GEICONot rated0.00A++
Liberty Mutual8055.62A
MetLife8240.00A+
Nationwide8080.16A+
ASI/Progressive7971.66A+
State Farm8290.27A++
The Hartford8322.44A+
Travelers8030.58A++
USAA8890.41A++

UPC vs. Progressive

Progressive services all 50 states and thus has the depth to offer more extensive coverage options and some extras that UPC lacks, like an online quote tool. Both companies struggle with customer service, according to their J.D. Power scores.

Unlike Progressive, UPC is focused primarily on regions that suffer from natural disasters on a regular basis, mainly coastal regions that experience hurricanes that can cause widespread damage. Progressive’s policies are written for general homeowner properties, but if you live in an area frequented by storms, UPC is worth looking at for coverage.

  • J.D. Powers ratings — Progressive: 797; UPC: 777
  • NAIC Complaint index — Progressive: 1.66 (above average); UPC: 5.80 (above average)
  • Online quote tool — Progressive: yes; UPC: no
  • Use third party underwriters? — Progressive: yes; UPC: no 

UPC vs. USAA

USAA is known for excellent customer service. It also has a wider reach than UPC, as it’s available in all 50 states. But USAA is limited in one way: it only sells policies to current and former members of the military and their families, while UPC sells policies to all homeowners in the 12 states where it is licensed.

USAA also has a broader scope than UPC. While UPC focuses primarily on insurance for homeowners, condo owners, renters and landlords, along with flood insurance, USAA offers a range of products that includes life, umbrella, auto and boat insurance, as well as banking and investment services.

  • J.D. Powers ratings — USAA: 889; UPC: 777
  • NAIC Complaint Index: USAA: 0.41 (below average); UPC: 5.80 (above average)
  • Online quote tool — USAA: yes, with a military ID; UPC: no
  • Range of products: USAA: home, insurance for auto, life, flood, condo, motorcycle, and more; UPC: home and other property-based policies

Additional insurance policies offered by UPC

Unlike many national insurers, UPC focuses on home and flood insurance. They have not, as of this writing, branched into auto, life or other types of insurance. Their policies are a good fit for private homeowners, as well as landlords and HMOs, and they offer flood insurance from both the NFIP, which is underwritten by the federal government, and private insurers.

The takeaway

  • UPC is a regional home and property insurer that writes policies in 12 coastal states.
  • They focus on high-risk areas that are prone to summer and winter storms and hurricanes.
  • UPC insurance ratings for customer service tend to be on the low side.

If you live in an area that sees frequent hurricanes or other storm activity, UPC is worth looking at, since many insurers shy away from writing policies in storm areas. With UPC’s focus on high-risk areas, they are well-equipped to handle the insurance needs of homeowners and renters in the 12 coastal states where they operate. Although UPC insurance reviews for customer service aren’t high, the company has a solid A rating for financial stability from Demotech, and it does offer some unique customer benefits, such as the self-inspection option for new clients.

Methodology 

Coverage utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

  • Coverage A, Dwelling: $250,000
  • Coverage B, Other Structures: $25,000
  • Coverage C, Personal Property: $125,000
  • Coverage D, Loss of Use: $50,000
  • Coverage E, Liability: $300,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

These are sample rates and should be used for comparative purposes only. Your quotes may be different. 

Rates are determined based on 2020 Quadrant Information Services data.

Mary Van Keuren

After 30 years as a writer and editor in academia, Mary now writes full-time for the insurance and finance industries. Her work has appeared on Reviews.com, TheSimpleDollar.com and Bankrate.com, as well as other consumer-focused websites.

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