UPC home insurance review

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Based in St. Petersburg, Florida, UPC Insurance has been providing home insurance and related policies to the Sunshine State and 11 other coastal states since 1999. Because of its localization, UPC specializes in writing policies for common homeowner concerns that plague coastal states, such as the potential for storm damage. Included in this are offerings for private flood insurance and related enhancements.

Since its founding, UPC has written 600,000 insurance policies and paid more than $4 billion in claims. UPC Insurance ranks among the best homeowners insurance providers and holds strong financial and consumer ratings.

UPC home insurance

Homeowners can purchase either a basic home insurance policy or one with enhancements through UPC. The company’s site even has an area to choose your location, where you can find state-specific coverage information and tailored enhancement packages.


  • Dwelling: This offers coverage up to your policy’s limit for any repair or replacement costs necessary for your home following a covered loss.
  • Detached structures: This helps pay for damage to or loss of unattached structures on your property such as detached garages, fences, pool houses and utility sheds.
  • Personal property: This covers personal property in your home such as clothing, electronic equipment, furniture and some guns and jewelry.
  • Loss of use: This helps pay for temporary living expenses if a covered peril such as a fire renders your home uninhabitable. Loss of use coverage could apply to hotel costs, meals and rent.
  • Personal liability: This covers property damage, legal fees or lawsuit awards that result from an accident that occurs on your property. For example, if a tree in your yard falls on your neighbor’s house, Coverage E can help pay for repairs.
  • Medical payments: This helps pay the medical expenses when someone outside your household sustains an injury on your property. For instance, if a guest slips and breaks an arm on your patio, Coverage F can help pay the person’s medical bills. Coverage F applies to medical payments even when you are not at fault for an accident.
  • Personal property insurance: This can help pay for the damage or loss of personal items such as a cellphone or laptop computer.
  • Home systems protection: This covers major home components, including electrical wiring and cooling and heating equipment.
  • Service line coverage: This helps cover the cost of repairing service lines connected to your home, such as gas lines, power cables and sewer and water pipes.
  • Ordinance or law coverage: This can help pay for additional repair costs associated with bringing your house up to code following a covered calamity. For example, if a storm damages an older home which has ungrounded electrical outlets, Ordinance or Law coverage can help pay the additional cost of installing grounded outlets during reconstruction.

Cost of UPC home insurance

UPC insureds generally pay $1,796 per year on average for home insurance policies, though your actual premium will depend on factors such as ZIP code, value of your home and your chosen coverage.


UPC homeowners discounts vary by state. For the most accurate discount information, check with a UPC agent in your state. In Texas, UPC offers:

  • Hip roof: If your home’s roof is hipped, or has slopes on all four sides, you could receive up to a 15% discount on your premium.
  • Wind and natural disaster certifications: UPC may provide up to a 15% discount for having WIP-8 (windstorm inspection program) credits and IBHS (wind and fire fortification) credits. This helps ensure that your home was built up to code and has features like reinforced roofing for wind or fire, impact-resistant doors and other safety protocols.
  • Pay in full: UPC offers varying discount amounts ranging from 9%-14% for paying your premium in full based on your method of payment. You may speak with an agent to see how much you qualify for.
  • Extra window and door protection: If you equip your windows and doors with protective coverings, you could receive a 15% discount.
  • Flood policy: Discounts may be available for homeowners policyholders who purchase UPC flood insurance.

UPC ratings, reviews, customer satisfaction and complaints

The Better Business Bureau (BBB) gives UPC Insurance an A+ rating. Customer reviews on the BBB rate UPC with 3.3 stars out of 5 on average with complaints generally made in regards to frustrations with reaching an agent or long payout times. In recent history, 91 UPC customers have filed complaints with the BBB regarding common insurance issues such as claims denials, customer service problems and the length of time taken to resolve claims.

AM Best does not provide a financial rating for UPC Insurance. However, Best gives Journey Insurance Company, a UPC Insurance company, an A- (Excellent) rating.

In the 2020 J.D Power U.S. Home Insurance Study, UPC Insurance ranks 21st in the nation, putting the company in second-to-last place. UPC scores 877 out of 1,000 customer satisfaction points. J.D. Power ranks companies based on interaction, policy offerings, price, billing process, policy information and claims.

Benefits of UPC Homeowners Insurance

UPC specializes in providing coverage for homes in coastal areas. While many insurance companies do not insure homes in flood and hurricane zones, UPC does. UPC writes private flood insurance policies and sells flood insurance offered through the National Flood Insurance Program, administered by the Federal Emergency Management Agency.

UPC’s private flood coverage enhancements offer three levels of protection:

  • Standard (Flood Zone A): Up to $750,000 coverage for buildings and $200,000 for contents.
  • Preferred (Flood Zones B, C and X): Up to $300,000 coverage for buildings and $100,000 for contents.
  • Excess flood: Up to $5 million coverage for buildings and contents combined. This enhancement is available for structures that do not exceed $15 million in replacement costs.

Many insurance companies operate from centralized locations, with no field agents. UPC continues to provide a traditional insurance company structure, with agents in each state it services. UPC makes claims filing easy, allowing you to submit a claim by calling your agent, contacting the national claims center or filing online at the UPC website.

Additional Policies Offered by UPC

In addition to homeowners coverage, UPC Insurance also sells:

Frequently asked questions

What information is needed to get a quote from UPC?

When you call UPC for an insurance quote, an agent will need to know your address, age, claims history, payment history and social security number.

How do I file a claim with UPC?

UPC gives you three ways to file a claim. You can call the UPC claims center, file a claim at the UPC website or call your UPC agent.

Does UPC Insurance offer discounts for home security systems?

UPC discounts vary by state. In some states, including Georgia, you can earn a discount for installing protective devices such as home security systems and fire alarms. Check with your local UPC agent to find out more about discounts in your state.

Does UPC Insurance sell flood insurance?

UPC sells private flood insurance, but you may also purchase it through the National Flood Insurance Program (NFIP), administered by the Federal Emergency Management Agency. UPC offers three levels of private flood insurance enhancements, with coverage up to $5 million. Its excess flood policy is not available in Alaska, Washington, D.C. or Kentucky.


Bankrate utilizes Quadrant Information Services to analyze 2021 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 will differ.

Written by
Mariah Posey
Insurance Editor
Mariah Posey is an insurance writer and editor for Bankrate.com specializing in auto and home insurance. She aims to make the insurance journey as convenient as possible by keeping the reader at the forefront of her mind in her work. With a background in reporting and feature writing, she has a knack for conducting research, writing factually while incorporating compelling details, and prioritizing story intent. Mariah is originally from New Jersey and holds a bachelor’s degree in journalism from Elon University. Prior to joining the team, she worked as a copyeditor and writing consultant at her alma mater. She has covered topics ranging from news to tech and lifestyle and has a vested interest in producing engaging content for audiences.