United Property and Casualty (UPC) Insurance Review
United Property and Casualty Insurance (UPC) offers home, flood, renters, and other types of insurance options in seven U.S. states. You can get direct quotes for UPC insurance products on the company’s website.
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Angie Watts
Licensed Real Estate Agent
Angie Watts is a licensed real estate agent with Florida Executive Realty. Specializing in residential properties since 2015, Angie is a real estate writer who published a book educating homeowners on how to make the most money when they sell their homes. Her goal is to educate and empower both home buyers and sellers so they can have a stress-free shopping and/or selling process. She has studi...
Licensed Real Estate Agent
UPDATED: Apr 12, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Apr 12, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- United Property and Casualty Insurance offers home, renters, landlord, and other types of insurance products in seven U.S. states
- Homeowners insurance with United Property and Casualty includes dwelling, personal property, loss of use, and liability coverage
- A home insurance policy with United Property and Casualty will vary when it comes to monthly rates based on where you live, the size of your home, and many other factors
If you are searching for homeowners, flood, or renters insurance, you may be interested in learning more about United Property and Casualty Insurance Company. United Property and Casualty Insurance (UPC) offers several different types of insurance coverage in Florida, Georgia, Louisiana, New York, North Carolina, South Carolina, and Texas.
Anyone looking for the best flood, renters, or homeowners insurance companies in their state should find and compare rates from multiple companies before making any final decisions. This will help you make sure you get the coverage you need without overpaying.
What does United Property and Casualty offer for insurance?
When it comes to insurance products, UPC offers several different options for coverage. Insurance policies with UPC include:
- Homeowners
- Flood
- Landlord
- Seasonal
- Renters
- Condominium
- Commercial residential
Of all of UPC’s insurance products, homeowners coverage with United Property and Casualty Insurance is the company’s most popular insurance option.
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What is included in a UPC homeowner policy?
When it comes to insuring your home, you want to make sure everything of value is covered. Whether your actual house needs attention after a bad storm or precious items were stolen from your home during a break-in, it’s important that you feel safe and secure when it comes to repairing or replacing the losses.
With UPC homeowners insurance, you can find a flexible policy that allows you to customize your coverage and get what you need. The standard homeowners policy with UPC Insurance Company includes your dwelling, personal property, the loss of use of your dwelling and property, and liability.
UPC policyholders can increase their personal property coverage and can add home systems protection and service line coverage to their policies in order to feel even more protected from loss.
Does UPC homeowners insurance include coverage for flooding?
A home insurance policy with UPC does not cover flooding. But UPC does offer flood insurance as one of its insurance products. Policyholders with UPC can purchase flood coverage as a standalone policy or pair it with a UPC home insurance policy.
UPC offers the following options for flood coverage:
- NFIP coverage: This type of coverage is available in all flood zones. Policies can cover up to $250,000 for the structure.
- Private flood insurance: This coverage allows you to choose the coverage limits and amounts and name pieces of your dwelling and any additional property you want to exist under your coverage.
- Private flood coverage enhancements: These enhancements pair well with an existing home insurance policy and add-ons for dwelling coverage with UPC.
If you own a home, considering flood insurance is a good idea. This is especially true in areas that are more likely to experience floods and the damages that are left as a result. You can get quotes on the UPC website for flood insurance, homeowners insurance, and any of the other insurance products that UPC offers. Comparing quotes online is one way to find the best flood insurance companies in your area.
How much is home insurance with UPC?
Homeowners insurance rates are impacted by a lot of different factors, such as where you live, the age and condition of your home, the amount of coverage you need, and more. The only way to know for sure how much you can expect to pay for homeowners insurance rates is to get quotes based on your information.
The table below shows the average monthly and annual rates for home insurance in each U.S. state.
Average Homeowners Insurance Rates by State
| States | Average Annual Home Insurance Rates | Average Monthly Home Insurance Rates |
|---|---|---|
| Virginia | $1,057 | $88 |
| New York | $1,068 | $89 |
| California | $1,127 | $94 |
| Ohio | $1,164 | $97 |
| Alaska | $1,171 | $98 |
| Maryland | $1,191 | $99 |
| West Virginia | $1,192 | $99 |
| Indiana | $1,195 | $100 |
| Connecticut | $1,208 | $101 |
| South Carolina | $1,235 | $103 |
| Rhode Island | $1,261 | $105 |
| Arizona | $1,269 | $106 |
| Michigan | $1,288 | $107 |
| Massachusetts | $1,323 | $110 |
| Iowa | $1,371 | $114 |
| North Carolina | $1,409 | $117 |
| Illinois | $1,436 | $120 |
| Georgia | $1,445 | $120 |
| Florida | $1,637 | $136 |
| Alabama | $1,668 | $139 |
| Tennessee | $1,745 | $145 |
| Missouri | $1,794 | $150 |
| Texas | $1,846 | $154 |
| Mississippi | $1,860 | $155 |
| Louisiana | $1,874 | $156 |
| Minnesota | $1,877 | $156 |
| North Dakota | $1,898 | $158 |
| Colorado | $1,899 | $158 |
| Montana | $1,957 | $163 |
| South Dakota | $2,126 | $177 |
| New Mexico | $2,134 | $178 |
| Kentucky | $2,174 | $181 |
| Arkansas | $2,291 | $191 |
| Nebraska | $3,234 | $270 |
| Kansas | $3,288 | $274 |
| Oklahoma | $3,482 | $290 |
| Hawaii | $383 | $32 |
| Vermont | $665 | $55 |
| Utah | $706 | $59 |
| Delaware | $732 | $61 |
| New Hampshire | $739 | $62 |
| Oregon | $756 | $63 |
| Pennsylvania | $758 | $63 |
| New Jersey | $793 | $66 |
| Nevada | $852 | $71 |
| Wyoming | $870 | $73 |
| Washington, D.C. | $893 | $74 |
| Wisconsin | $933 | $78 |
| Idaho | $934 | $78 |
| Maine | $951 | $79 |
| Washington | $964 | $80 |
As you can see, rates can vary significantly based on where you live. You may find that your homeowners insurance rates are a good bit higher or lower than your state’s average. If you believe you should be paying less for home insurance, it’s a good idea to shop around for coverage and compare rates to find the most affordable options.
Enter your ZIP code below to view companies that have cheap insurance rates.
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Does UPC have good ratings and reviews?
United Property and Casualty Insurance has an A (Excellent) financial strength rating with Demotech, Inc. Additionally, UPC garners an A+ rating with the Better Business Bureau (BBB).
If you are interested in learning more about UPC before purchasing a policy, you can go online to read different customer reviews on the BBB website. While you will find a number of complaints about the company, you will notice that many of the issues have been closed within the past 12 months.
Should I purchase insurance with UPC?
If you need homeowners, renters, or flood insurance and you live in one of the states in which UPC is licensed to operate, you may find that an insurance policy with the company is a great fit for you.
But before you make any final decisions on insurance coverage, you should go online and compare quotes from UPC with multiple companies. Don’t wait until after you purchase an insurance policy to find out whether what you have is the cheapest available.
Enter your ZIP code below to view companies that have cheap insurance rates.
Secured with SHA-256 Encryption
Angie Watts
Licensed Real Estate Agent
Angie Watts is a licensed real estate agent with Florida Executive Realty. Specializing in residential properties since 2015, Angie is a real estate writer who published a book educating homeowners on how to make the most money when they sell their homes. Her goal is to educate and empower both home buyers and sellers so they can have a stress-free shopping and/or selling process. She has studi...
Licensed Real Estate Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.