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UPC Insurance Review (2022)

United Property & Casualty Insurance, now known as UPC, offers all standard coverage at very affordable rates. We take an in-depth look at the company in this United Property & Casualty Insurance review.

Modern home with garage and driveway. iStock

In this Review: Our Take | Pros & Cons | Coverage | Availability | Cost | Discounts | Customer Reviews | UPC vs. the Competition | Our Conclusion | FAQs

No one wants to be caught unprepared after their home is burglarized or damaged due to an event like a fire or hail storm. Without a home insurance policy, homeowners are on the hook for costly repairs and replacing their personal property. With home insurance, they can rest easy at night.

Unfortunately, selecting the best home insurance company for you can be challenging. Companies can differ in coverage, including endorsements, service areas, quality of customer service, and more. The This Old House Reviews Team has created this in-depth United Property & Casualty Insurance review to help you determine if the company is the best fit for your needs.

Our Take on United Property & Casualty Home Insurance

United Property & Casualty Insurance, now known as UPC, offers solid homeowners insurance at very affordable rates. It provides some of the lowest premiums of the companies we have reviewed. However, the company offers few discounts and endorsements, and it is only available in 12 states. Overall, we give UPC home insurance a score of 74.25 out of 100.

Pros & Cons of UPC Home Insurance

Compare the advantages and disadvantages of UPC home insurance.

United Property & Casualty Insurance Pros & Cons

Pros Cons
Pros Cons
Very affordable rates Only available in 12 states
BBB accreditation and A+ rating Few discounts
Only 21 years in business

What Does UPC Cover?

UPC offers all industry-standard protections in its basic coverage. These include dwelling and other structure coverage, personal property coverage, loss of use and additional living expenses coverage, personal liability, and medical payments to others.

United Property & Casualty Insurance Coverage

Type Description
Type Description
Dwelling + other structures Covers the home’s interior and exterior structure, as well as detached structures like sheds and garages
Personal property Covers your personal property in case of a covered loss, including furniture, clothing, appliances, and electronics
Loss of use/Additional living expenses Covers the cost of having to live outside of your home temporarily due to covered damage or destruction
Personal liability Covers your legal fees in the event you are sued for injury or personal property damage to a guest
Medical payments to others Covers medical expenses of a guest who gets injured at your home

UPC offers a variety of optional add-on endorsements to help you customize your coverage:

  • Ordinance
  • Identity theft coverage
  • Personal injury
  • Limited water backup and sump pump failure


UPC homeowners insurance is only available in 12 states:

  • Connecticut
  • Florida
  • Georgia
  • Hawaii
  • Louisiana
  • Massachusetts
  • New Jersey
  • New York
  • North Carolina
  • Rhode Island
  • South Carolina
  • Texas

How Much Does UPC Home Insurance Cost?

We received an estimate for a single-family, roughly 2,200-square-foot-home in North Carolina. The quoted monthly premium was $98.58, which was among the lowest rates offered by companies we’ve reviewed.

The exact cost of UPC homeowners insurance depends on many factors, including your property value and size, the materials it was constructed with, where you live, the coverage limits you select, the insurance deductible you choose, and more.

United Property & Casualty Insurance Cost

Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $390,000
Other structures $39,000
Personal property $195,000
Loss of use/Additional living expenses $78,000
Personal liability $500,000
Medical payments to others $1,000
Monthly Cost $98.58

UPC Home Insurance Discounts

UPC offers only a few discounts that allow you to lower the amount you pay for homeowners insurance:

  • Protective devices
  • Age of home
  • Age & marital status

Reviews of UPC Insurance

UPC is accredited by the Better Business Bureau and holds an A+ rating from the organization. See what some customers shared on the BBB about their experience with UPC.

Carla S. said:

“I had wind and water damage after Hurricane Irma. I put in a claim and received a response within 2 weeks. I got 3 est to replace my roof. I was afraid that since my roof was an original roof over 20 yrs old I would have problems. They sent out an adjuster and I received a call back within 1 week and was told I was approved for a full roof replacement. Choice which roofer and let them know. My pay out was for the total damage less my hurricane deductible. I could not be happier!!”

Edgardo V. said:

First time filed a claim because things happen and you don’t have control of that, I can tell you my experience with this insurance company it’s been very satisfied Melany very professional quick response and honest person. Thank you

UPC vs. the Competition

See how UPC Insurance stacks up against some of its top competitors on key metrics.


Provider UPC Lemonade Amica®
Provider UPC Lemonade Amica®
Our score 74.25 83.50 96.60
State Availability 12 27* 48 (not available in AK and HI)
BBB Rating A+ B+ A+
Years in Business 21 5 113
24/7 Claims Service by Phone X
Protective Devices/Safety Features Discount
Bundling Discount X
Mobile App X

*Lemonade home insurance is available in AZ, AR, CA, CO, CT, GA, IL, IN, IA, MD, MA, MI, MO, NV, NJ, NM, NY, OH, OK, OR, PA, RI, TN, TX, VA, WA, WI

Our Conclusion and Rating

Overall, we give UPC a score of 74.25 out of 100. UPC offers solid homeowners insurance coverage at very affordable rates. Unfortunately, its policies are only available in 12 states. The company offers few discounts, and there are concerns about customer service if you want a quote. You need to reach out to independent insurance agents for help.

To find the best provider for your needs, we always recommend getting quotes from multiple home insurance companies that serve your area:

Company Information

  • Company name: UPC Insurance Company
  • Company type: Public
  • CEO: R. Daniel Peed
  • Year founded: 1999
  • Headquarters: 800 2nd Ave S. St. Petersburg, FL 33701
  • State availability: 12
  • BBB rating: A+

Frequently Asked Questions

Is UPC a good insurance company?

The This Old House Reviews Team believes that UPC is a solid company for home insurance if you live in one of the 12 states the company services. Its basic policy is very affordable, which somewhat offsets the fact that few discounts are available.

Is UPC insurance A rated?

The This Old House Reviews Team gives UPC home insurance an overall score of 74.25 out of 100. The Better Business Bureau gives UPC insurance an A+ rating.

Who has the best homeowners insurance rates?

This will depend on a number of factors. It isn’t just the company with the lowest premiums—you also need to factor in the amount of coverage you get or the value for what you pay, along with any discounts. One useful resource is our article on the top homeowners insurance companies.

Our Methodology

The This Old House Reviews Team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:

  • Coverage (30)
  • State availability (7.5)
  • Customer service (15)
  • Technology (12.5)
  • Reputation (20)
  • Additional benefits (15)

Our Reviews Team has a full-time researcher who collects and regularly updates datapoints from every company to help us compare them on key factors such as coverage, customer service, and dependability. Read more on our methodology here.

To share feedback or ask a question about this article, send a note to our Reviews Team at