United Property and Casualty (UPC) Insurance Review
I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them.
Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.
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Written by
Chris Huntley
Founder of Huntley Wealth & Insurance Services
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu…
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Reviewed by
Rachael Brennan
Licensed Insurance Agent
UPDATED: Mar 29, 2022
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Here’s the Scoop
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
StatesAverage Annual Home Insurance RatesAverage 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
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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.
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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.
