How do I file a claim with UPC?

If you were a UPC customer and need to file a claim, you can do so in one of two ways: Fill out the online claim form Call 1-888-256-3378 After your claim is filed, you'll work with an adjuster to explain the details of your claim. The adjuster will review the damage and your policy to check for coverage. If you do have the proper coverage for the loss situation, your adjuster will work to pay the claim. Any claims filed before the insolvency date should be paid for by either UPC’s available funds or by the state of Florida. Make sure you watch for information from UPC regarding its contact information, as it could be in flux as the company winds down. If your UPC policy was one that was transferred to Slide, you can file a claim by: Calling 1-866-230-3758 Filling out the online claim form Slide offers a helpful online claims center, and you can even get help from a pre-approved contractor by calling 1-833-854-3440.

Is UPC a sustainable company?

Bankrate's UPC Insurance review would not be complete without looking at the company's social responsibility. According to UPC, the company was reducing its environmental impact by investing in clean energy initiatives, promoting waste reduction strategies and employing energy-efficient technologies. In terms of social responsibility, the company supported community nonprofits for education, medical care, research, domestic violence prevention and more. The company also created a corporate governance guideline structure to promote accountability among executives.

What happened with UPC?

UPC Insurance was declared financially insolvent. This means that it did not have enough money in reserve to pay out potential future claims, and could not sustain its business model. UPC home insurance policies were canceled in early 2023 and some eligible policyholders were transferred to other insurers.

Is UPC leaving Florida?

As of March 29, 2023, UPS Insurance home policies were canceled. Some of UPC’s Florida policyholders were transferred to Slide Insurance. UPC Insurance had around 146,000 active policies at the time it was declared financially insolvent and ordered into receivership by the Secord Judicial Circuit Court in Leon County, Florida.

Can I still buy a policy from UPC?

As of March 29, 2023 you can no longer purchase home insurance policies from UPC. In addition, all previous UPC insurance policies have been canceled from this date.

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UPC insurance review 2023

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Reviewed by

Updated Nov 08, 2023

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BANKRATE'S TAKE

United Property & Casualty Insurance Company, better known as UPC Insurance, may have been a good option for homeowners in some risk-prone areas who also preferred working with in-person agents. However, the company has been declared insolvent and new policies are no longer available.

In February 2023, UPC Insurance was declared fiscally insolvent. On March 29, 2023, UPC Insurance home policies were canceled.

Claims: 1-888-CLM-DEPT (1-888-256-3378)
Online claims portal: UPC Insurance claims.
Proof of coverage: (866) 515-4428
State availability: When UPC Insurance was in business, it wrote policies in Connecticut, Florida, Georgia, Hawaii, Louisiana, Massachusetts, New Jersey, New York, North Carolina, Rhode Island, South Carolina and Texas.
State-specific questions:
- Florida
  - For policies beginning with letters: (800) 295-8016
  - For policies beginning with 90: (866) 515-4428
- Georgia: (866) 515-4428
- Louisiana: (866) 515-4428
- North Carolina: (800) 295-8016
- New York: (866) 515-4428 for policies beginning with 32 or 80
- South Carolina:
  - For policies beginning with letters: (800) 295-8016
  - For policies beginning with 80: (866) 515-4428
- Texas: (866) 515-4428

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What’s new with UPC?

Effective March 29, 2023, UPC Insurance home policies are no longer active.
On Feb. 16, 2023, the Florida Office of Insurance Regulation (OIR) initiated insolvency proceedings against UPC.
On Feb. 10, 2023, United Insurance Holdings Corp. — the parent company of UPC — filed a notice with the U.S. Securities and Exchange Commission (SEC) that UPC, due to its incurred losses from Hurricane Ian, was expected to be declared insolvent.
On Feb. 1, 2023, UPC announced that it had sold some of its home insurance policies in Florida to Slide. Other policies were sold to the State of Florida.
In December 2022, Florida state regulators placed UPC under administrative supervision. The company is still solvent but its policies, at least in Florida, will all be canceled by May 31, 2023.
In August 2022, UPC announced plans to withdraw its personal lines business in Florida, Louisiana, New York and Texas. The company previously also sold coverage in Georgia, North Carolina and South Carolina, but quotes are currently unavailable in those states and UPC has sold its renewal rights to those policies. This effectively means that UPC will soon no longer write personal home insurance policies in any state.

UPC home insurance

UPC home insurance is no longer available. The company was declared insolvent on Feb. 16, 2023 by the Florida OIR. In Florida, some policies were transferred to the state while others were transferred to Slide Insurance. Louisiana UPC policyholders were transferred to Louisiana Citizens. If you had a UPC policy, be on the lookout for communications from the company about how to handle your policy going forward. It may be transferred to another company or you may need to seek new coverage yourself.

UPC previously helped to provide coverage availability for homes in high-risk, coastal areas where home insurance options were harder to find. While UPC's policies were fairly basic, you may have been able to add a few optional coverage types to bolster your policy, like service line coverage and home systems protection.

Pros and cons of UPC home insurance

Pros

Offered home insurance in some risk-prone states
Products were offered through local independent agents
Offered a few optional coverage types

Cons

Company is insolvent and policies may no longer be available
Had limited state availability
Had an above-average NAIC Complaint Index

UPC home insurance cost

The national average cost of home insurance for $250,000 in dwelling coverage is $1,428 per year. UPC home insurance rates are not available due to the company’s discontinuation of personal home insurance policies.

UPC home insurance discounts

If you are shopping for the cheapest home insurance, most insurance professionals recommend shopping around to compare home insurance quotes from several companies. Discounts may help you save on home insurance, so choosing a company that offers several discounts you are eligible for might help you find a more affordable policy.

UPC home insurance discounts likely varied by state when the company was still solvent, and its advertised discounts were not very extensive or unique. If you’re looking for a new home insurance policy due to UPC’s insolvency, you may want to consider bundling your auto and home insurance, updating your home’s roof or installing a home security device, as these measures are among the most common ways to get a home insurance discount.

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Quick Facts

$382/year

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2 out of 3 homes

are underinsured

1 out of every 20

insured homes makes a claim each year

100% of homes

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Compare UPC with other insurers

If you were hoping to research UPC home insurance but found it no longer provides homeowners insurance, you may want to consider getting quotes from other home insurance companies. There are several home insurance companies that provide comparable rates and homeowners insurance options to UPC, such as State Farm, USAA, and Lemonade.

UPC vs. 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 like that UPC was sold by local agents, State Farm's agency network might appeal to you. State Farm is also available in a broader range of states than UPC was. If you are looking to manage multiple policies in one place, State Farm car insurance may be worth looking into as it regularly makes Bankrate’s list of the best car insurance companies.

Learn more: State Farm Insurance review

UPC vs. 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 policy features that are tailored to the needs of military families. Unlike UPC, USAA is available nationwide. Qualifying applicants might also look into USAA car insurance, which typically offers cheap rates.

Learn more: USAA Insurance review

UPC vs. Lemonade

If you're looking for a highly-rated home insurance company that operates fully online, you may want to research Lemonade. Lemonade also offers car insurance, so it might be a good option if you want to bundle your policies and prefer a digital platform. Lemonade isn’t available nationwide, but it does offer coverage in a wider range of states than UPC did.

Learn more: Lemonade Insurance review

Is UPC a good insurance company?

UPC isn’t an option for home insurance. The company isn’t offering quotes online anymore, and it has been declared insolvent in Florida. UPC's high NAIC Complaint Index and the withdrawal of its Demotech financial strength rating may have been indications of the company's service level and financial stability. If you were considering a quote from UPC, you’ll need to research and compare quotes from other companies for more information on relevant rates, coverage offerings, discounts, and third-party scores and ratings.

UPC customer satisfaction

When shopping for the best home insurance company, it may be helpful to look at more than just quoted premiums. Analyzing customer service and financial strength ratings could help you discern how satisfied you might be with your interactions with the company.

Bankrate analyzed financial strength ratings from companies like AM Best and Demotech, as these may demonstrate a company's historical ability to pay claims. While UPC is unrated by AM Best, it used to be rated as A (Exceptional) by Demotech. In August 2022, however, Demotech downgraded UPC to an M (Moderate) rating and has since withdrawn its rating altogether. This was likely an early sign of the financial instability within UPC, which has now erupted into full-blown insolvency.

UPC homeowners claims satisfaction

To review customer satisfaction from a historical perspective — remember that UPC is now insolvent, so it will no longer have any policies or customers once the process has been completed — Bankrate looked at third-party data from companies like J.D. Power and the National Association of Insurance Commissioners (NAIC) Complaint Index.

UPC was not included in the 2023 J.D. Power Home Insurance or the Property Claims Satisfaction Study. That said, it was ranked second-lowest out of 23 providers in the 2020 Home Insurance Study.

UPC customer complaints

The NAIC records complaints about insurance companies and assigns a Complaint Index to each carrier. A baseline Complaint Index is 1.00. Scores above 1.00 indicate more complaints than average for a company of that size and vice versa.

Other UPC tools and benefits

Because UPC has been declared insolvent, the program and additional coverage options listed below are no longer available.

Water backup insurance: UPC used to offer water backup coverage to help policyholders with the damage that can result from a bathtub, toilet, sink or other sources of standing sewage.
Valuable items insurance: UPC offered scheduled property insurance for certain valuables like jewelry, furs and silverware.
Golf cart insurance: In true Florida spirit, UPC policyholders had the option to add a limited amount of golf cart coverage to their home insurance contracts. The endorsement only provided protection for physical damage and liability coverage.
Home Self-Inspection: With UPC’s Home-Self Inspection program, you use your smartphone to take photos and videos of your home to send to UPC to complete a home inspection in lieu of UPC sending someone out to your property.

Frequently asked questions about UPC

If you were a UPC customer and need to file a claim, you can do so in one of two ways:
- Fill out the online claim form
- Call 1-888-256-3378
After your claim is filed, you'll work with an adjuster to explain the details of your claim. The adjuster will review the damage and your policy to check for coverage. If you do have the proper coverage for the loss situation, your adjuster will work to pay the claim. Any claims filed before the insolvency date should be paid for by either UPC’s available funds or by the state of Florida. Make sure you watch for information from UPC regarding its contact information, as it could be in flux as the company winds down.

If your UPC policy was one that was transferred to Slide, you can file a claim by:
- Calling 1-866-230-3758
- Filling out the online claim form
Slide offers a helpful online claims center, and you can even get help from a pre-approved contractor by calling 1-833-854-3440.
Bankrate's UPC Insurance review would not be complete without looking at the company's social responsibility. According to UPC, the company was reducing its environmental impact by investing in clean energy initiatives, promoting waste reduction strategies and employing energy-efficient technologies.

In terms of social responsibility, the company supported community nonprofits for education, medical care, research, domestic violence prevention and more. The company also created a corporate governance guideline structure to promote accountability among executives.
UPC Insurance was declared financially insolvent. This means that it did not have enough money in reserve to pay out potential future claims, and could not sustain its business model. UPC home insurance policies were canceled in early 2023 and some eligible policyholders were transferred to other insurers.
As of March 29, 2023, UPS Insurance home policies were canceled. Some of UPC’s Florida policyholders were transferred to Slide Insurance. UPC Insurance had around 146,000 active policies at the time it was declared financially insolvent and ordered into receivership by the Secord Judicial Circuit Court in Leon County, Florida.
As of March 29, 2023 you can no longer purchase home insurance policies from UPC. In addition, all previous UPC insurance policies have been canceled from this date.

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