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UPC home insurance review 2022

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Based in St. Petersburg, Fla., United Property & Casualty Insurance Company (UPC Insurance) is a competitive publicly-traded regional carrier that has been providing home insurance and related policies to residents of the Sunshine State and six other coastal states since 1999.

Perks Drawbacks
Offers home insurance in some riskier areas Coverage limited to Florida, Georgia, Louisiana, New York, North Carolina, South Carolina and Texas
Rated A (Exceptional) for financial stability by Demotech Poor J.D. Power score for customer service
Products offered through local independent agents Discount options aren’t listed online

UPC offers home insurance policies in Georgia, Louisiana, New York, North Carolina, South Carolina and Texas. The company has stopped writing new policies in Florida, but will continue to service its existing customers for the time being. Because of its targeted markets, UPC specializes in writing policies to financially protect homeowners from perils that impact coastal areas, such as hurricane wind damage. In addition to standard home insurance policies, UPC offers condo, renters and private flood insurance and related enhancements.

UPC generated $212.8 million in net premiums written in 2021, a 33% decline from the prior year. With region-specific coverage types and strong financial and consumer ratings, UPC may be one of the best homeowners insurance companies in the states it serves.

UPC home insurance

UPC home insurance carries an A (Exceptional) financial stability rating from Demotech. UPC was unranked by J.D. Power in the 2021 U.S. Home Insurance Study, but in 2020, the company scored 777 out of 1,000 points, putting it well below average in customer satisfaction.

UPC offers standard home insurance policies, including coverage for dwelling, detached structures, personal property, loss of use/additional living expenses, personal liability, medical payments to others and other personal property. In terms of add-ons, the company offers home systems protection, service line coverage and ordinance of law coverage. The company’s user-friendly website includes a feature that allows shoppers to choose their location and find state-specific coverage information and tailored enhancement packages.

UPC specializes in providing coverage for homes in coastal areas, especially for claims due to water damage or major disasters such as hurricanes. Many private insurers do not insure homes in flood or hurricane zones, so UPC stepped in to fill the gap and offer coverage to those in coastal states that need coverage. The company offers flood insurance coverage underwritten through the federally backed National Flood Insurance Program (NFIP), and also provides flood insurance options underwritten through private insurers.

UPC’s private flood coverage enhancements offer three levels of protection and much higher levels of coverage than NFIP policies.

UPC home insurance cost

The average cost of a UPC home policy for $250,000 in dwelling coverage is $1,490, according to Bankrate’s 2022 study of quoted annual premiums from Quadrant Information Services. UPC’s average premium is slightly higher than the national average cost of home insurance for the same amount of coverage, which is $1,383. The table below shows how UPC average rates compare to the national average across coverage limits. Across the board, UPC is slightly more expensive than average.

Dwelling coverage limit UPC average annual premium National average annual premium
$150,000 $1,101 $980
$250,000 $1,490 $1,383
$350,000 $2,242 $1,887
$450,000 $2,798 $2,351
$750,000 $3,914 $3,414

UPC home insurance discounts

For the most accurate discount information, check with an independent insurance agent that represents UPC. As an example of the types of discounts UPC offers its customers, this is what is available to Texas policyholders:

  • 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 Insurance Institute for Business & Home Safety (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 premium in full: UPC offers varying discount amounts ranging from 9% to 14% for paying your premium in full based on your method of payment. Your agent can provide details on how much of a discount you may qualify for.
  • Extra window and door protection: If you equip your home’s windows and doors with protective coverings, you could receive a 15% discount.
  • Flood policy: Discounts may be available for homeowners insurance policyholders who purchase their flood coverage through UPC.

UPC home services

UPC’s website doesn’t offer any additional home services beyond homeowners insurance.

Other UPC perks worth considering

Beyond its homeowners insurance policies, UPC Insurance offers the following perks that may sway shoppers.

  • Condominium owners insurance: If you own a condo, UPC has insurance policies tailored to your needs.
  • Identity theft insurance: If you’re nervous about cyber fraud or identity theft, you may want to look into the company’s identity theft insurance endorsement.
  • Landlord/seasonal property insurance: If you own rental properties, UPC has coverage options for you.
  • Renters insurance: If you rent your home or apartment, UPC could cover you with a renters policy that provides protection for your possessions, as well as liability and loss of use coverage.
  • Golf cart coverage: If you own a golf cart like many coastal residents, you may want to insure it with UPC.
  • Local agents: The company engages a distribution network of local independent agents who are available to help with your needs. UPC’s website features an agent search function that allows you to find assistance near you.

UPC social responsibility

Bankrate’s UPC Insurance review would not be complete without looking at the company’s social responsibility. The company publishes its environmental, social and governance (ESG) commitments on its website. To help the environment, UPC has invested in clean energy initiatives, promoted waste reduction and uses energy-efficient technologies. In terms of social responsibility, the company supports community nonprofits for education, medical care, research, domestic violence prevention and more. In terms of governance, the company created a corporate governance guideline structure to promote accountability among executives.

Not sure if UPC is right for you? Consider these alternatives

After reading this UPC Insurance review, you may decide the company isn’t the right choice for you. If so, you may want to consider some of the best homeowners insurance companies on the market.

  • State Farm: State Farm offers a full range of product lines and is consistently highly-rated by third-party rating services such as AM Best and J.D. Power. If you are interested in being covered by the largest U.S. home insurer based on market share, you may want to research State Farm.
  • USAA: USAA only offers insurance policies to active-duty members of the U.S. Military, veterans and qualifying family members. If you qualify, you may appreciate USAA’s highly-rated customer service and certain features that are tailored to military families.
  • Lemonade: If you’re looking for a highly-rated home insurance company that operates fully online, you may want to research Lemonade.


Bankrate utilizes Quadrant Information Services to analyze 2022 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: $150,000, $250,000, $350,000, $450,000, $750,000
  • Coverage B, Other Structures: $15,000, $25,000, $35,000, $45,000, $75,000
  • Coverage C, Personal Property: $75,000, $125,000, $175,000, $225,000
  • Coverage D, Loss of Use: $30,000, $50,000, $70,000, $90,000
  • 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
Lizzie Nealon
Insurance Writer
Lizzie Nealon is a former insurance writer for Bankrate. Her favorite part of the job is making home, auto and life insurance digestible for readers so they can prepare for the future.
Edited by
Insurance Editor
Reviewed by
Director of corporate communications, Insurance Information Institute