UPC Homeowners Insurance Review & Ratings (2024) | USInsuranceAgents.com (2024)

What You Should Know About UPC Insurance

The Rundown

  • United Property and Casualty offers a variety of property and casualty insurance products
  • UPC offers insurance coverage in 10 states in the U.S.
  • A.M. Best revised the future outlook for UPC from stable to negative but gave the company an A- (Excellent) financial strength rating

Welcome to our guide on UPC Homeowners Insurance, where we’ll explore its key features like affordable coverage options and reliable service. Whether you’re a new homeowner or considering a switch, we’ve got you covered. Discover a range of tailored coverage alternatives to protect your valuable possession. Let us help you secure your home with UPC Homeowners Insurance.

UPC has a stellar record for providing excellent service and quick claim processing, so you can put your trust in them. Choose UPC Homeowners Insurance for peace of mind and thorough coverage; don’t jeopardize the security of your house. Enter your zip code below to compare quotes and find the best prices from the leading insurance companies in your neighborhood.

Read More: Best Home Insurance

UPC Insurance Coverage Options

When it comes to homeowners insurance, UPC insures exactly what a typical homeowners insurance policy covers.

But UPC also sets itself apart by offering several different options and add-ons for homeowners insurance and protection. The basic homeowner’s insurance policies with UPC have two parts, Section I and Section II.

As is the case with most property and casualty coverage, Section I of the homeowners policy with UPC deals with coverage for property items, while Section II has to do specifically with liability coverage.

Add-on options for homeowners coverage with UPC include:

  • Liability
  • Enhanced personal property coverage
  • Home systems protection
  • Service line coverage
  • Ordinance or law coverage
  • Windstorm coverage
  • Water loss prevention coverage

The homeowner’s packages offered by UPC Insurance give policyholders flexibility when it comes to coverage types and amounts.

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UPC Insurance Rates Breakdown

In order to know how much you would pay for homeowners insurance with UPC, you would need to first give the company more information about the following:

  • Your location
  • The size and price of your home
  • The amount of coverage you want
  • Your home’s age and condition
  • Your credit history

While there is no way to guess when it comes to how much homeowners insurance with UPC would cost, the table below shows the average annual homeowners insurance rates by state.

Average Annual Homeowners Insurance Rates by State

StateAverage Annual Rates
District of Columbia$1,235
New Hampshire$972
New Jersey$1,192
New Mexico$1,017
New York$1,309
North Carolina$1,086
North Dakota$1,253
Rhode Island$1,551
South Carolina$1,269
South Dakota$1,202
West Virginia$940

Obviously, the factors listed above will greatly impact your actual homeowner’s insurance rates. But this table should give you a good idea of what you might expect in your state.

Keep in mind that UPC currently only offers homeowners coverage in Connecticut, Florida, Georgia, Louisiana, Massachusetts, New Jersey, New York, North Carolina, South Carolina, and Texas.

What other P&C coverage does UPC offer?

If you have a home and are considering additional coverage options, or if you are renting a property and want to have peace of mind, UPC may have some products you’re interested in.

Along with homeowners insurance coverage, UPC offers the following property and casualty insurance options:

  • Flood insurance
  • Seasonal properties or landlord insurance
  • Condominium insurance
  • Renters insurance
  • Commercial insurance

If you’re in the market for any of these types of insurance, make sure to shop around for coverage. Compare multiple companies and see if UPC offers affordable rates for property and casualty insurance.

UPC Insurance Discounts Available

UPC not only offers comprehensive coverage for your home and belongings but also provides a range of discounts to help you save on your premiums. From multi-policy discounts to rewards for maintaining a claims-free record, UPC is dedicated to ensuring you get the most value from your insurance coverage.

  • Multi-Policy Discount: Bundle your homeowners and auto insurance to enjoy significant savings on both policies.
  • Safety Features Discount: Enhance your home’s safety with features like smoke detectors and security systems to qualify for reduced rates.
  • Claim-Free Discount: Stay vigilant in maintaining a claims-free record, and UPC rewards your responsible behavior with lower premiums.
  • Protective Devices Discount: Install burglar alarms or sprinkler systems to not only safeguard your home but also earn additional discounts on your insurance.
  • Renewal Discount: Loyalty has its perks—renew your policies with UPC and benefit from exclusive discounts during the renewal process.
  • New Homeowner Discount: If you’ve recently become a homeowner, UPC welcomes you with a special discount tailored for new homeowners.
  • Good Credit Discount: A good credit score pays off in more ways than one—UPC acknowledges your financial responsibility with reduced insurance rates.
  • Loyalty Discount: Stick with UPC for the long haul, and you’ll experience the benefits of loyalty discounts, a testament to UPC’s commitment to its customers.
  • Pay-in-Full Discount: Opt for annual premium payments in full, and UPC may offer you a discount as a reward for this payment method.
  • Paperless Billing Discount: Choose the eco-friendly route with electronic billing and documentation, not only contributing to environmental sustainability but also earning a discount on your insurance premiums.

These diverse discounts showcase UPC’s dedication to providing not only robust coverage but also cost-effective solutions for their policyholders. Keep in mind that discount availability may vary, so it’s always a good idea to check with UPC for the latest information on potential savings.

Effortless Claims Handling With UPC Homeowners Insurance

Ease of Filing a Claim

UPC Homeowners Insurance offers a convenient and hassle-free claims process. Policyholders have the option to file a claim online through the company’s website or by calling a dedicated claims hotline. Additionally, UPC provides a user-friendly mobile app that allows customers to initiate and track their claims directly from their smartphones.

Average Claim Processing Time

One of UPC’s standout features is its efficient claims processing. Policyholders can expect quick turnaround times when filing a claim with UPC Homeowners Insurance. The company understands the importance of timely resolutions and strives to provide customers with a smooth experience during their time of need.

Customer Feedback on Claim Resolutions and Payouts

UPC Homeowners Insurance has earned a strong reputation for its fair and responsive claim resolutions. Customer feedback indicates high levels of satisfaction with the company’s handling of claims, including prompt payouts and fair settlements. This positive feedback underscores UPC’s commitment to delivering on its promise of comprehensive coverage and excellent service.

Delving Into UPC Homeowners Insurance’s Digital and Technological Features

Mobile App Features and Functionality

UPC’s mobile app offers a range of features and functionality designed to enhance the customer experience. Policyholders can use the app to manage their accounts, view policy details, make premium payments, and, importantly, file and track claims. The app’s user-friendly interface makes it easy for customers to access essential information and take action on their policies.

Online Account Management Capabilities

For those who prefer managing their policies through a web browser, UPC provides robust online account management capabilities. Customers can log in to their accounts on the company’s website to access policy documents, update personal information, and track the progress of their claims. UPC’s online platform ensures that policyholders have convenient access to their insurance information 24/7.

Digital Tools and Resources

UPC Homeowners Insurance offers a suite of digital tools and resources to help customers make informed decisions about their coverage. These resources include educational articles, insurance calculators, and frequently asked questions. By providing these digital resources, UPC empowers its policyholders to better understand their insurance and make choices that suit their needs.

How UPC Insurance Ranks Among Providers

As a leading insurance provider, UPC Insurance faces competition from several reputable companies in the insurance industry. Understanding the landscape and key players helps consumers make informed decisions. Here’s a glimpse of UPC’s main competitors:

  • State Farm: A major player in the insurance industry, State Farm offers a wide array of insurance products, including homeowners, auto, and life insurance.
  • Allstate: Allstate is recognized for innovative coverage options and a user-friendly digital platform, with enticing bundling discounts for customers seeking multiple policies.
  • Liberty Mutual: Liberty Mutual provides customizable insurance solutions with a focus on extensive coverage options and a commitment to customer service.
  • Progressive: Progressive, known for its dynamic approach and competitive rates, caters to a diverse customer base with a strong emphasis on technology and online tools.
  • Chubb: Chubb specializes in high-net-worth individuals, offering personalized service and unique coverage options with a focus on risk management.
  • Travelers: Travelers, known for financial stability, provides a comprehensive suite of insurance products with an extensive network of agents for personalized support.

Understanding the strengths and considerations of UPC Insurance and its competitors is essential for making an informed decision based on individual needs and preferences. Each company brings unique offerings to the table, so customers should carefully evaluate factors such as coverage, pricing, and customer service to find the best fit for their insurance requirements.

Does UPC have good reviews online?

United Property and Casualty Insurance is owned by Journey United Insurance. Journey was given an A- (Excellent) rating by A.M. Best for financial strength.

But A.M. Best also updated Journey United’s overall outlook from stable to negative. According to A.M. Best, the negative outlook is based on the company’s deteriorating financial position.

While it’s good to know where UPC currently stands, the future outlook of the company is also something you should consider before choosing UPC as your property and casualty insurer.

You may want to consider UPC insurance reviews from customers posted online as well, as this will give you a better picture of how policyholders feel about the company.

Frequently Asked Questions

What types of damages does UPC Homeowners Insurance cover?

UPC Homeowners Insurance covers damages to your home and personal property caused by natural disasters like hurricanes, fires, and floods. It also covers damages caused by theft or vandalism, as well as liability protection for injuries to others on your property.

Does UPC Homeowners Insurance offer any discounts?

Yes, UPC Homeowners Insurance offers several discounts, including a claims-free discount, a new home discount, and a multi-policy discount for bundling your homeowners insurance with other policies

How can I file a claim with UPC Homeowners Insurance?

You can file a claim with UPC Homeowners Insurance by calling their claims hotline or logging into their online portal. You will need to provide information about the damage or incident, as well as any supporting documentation or evidence.

What is the process for getting a quote from UPC Homeowners Insurance?

To get a quote from UPC Homeowners Insurance, you can use their online quote tool or contact an agent directly. You will need to provide information about your property, including its location, age, and value, as well as any additional coverage options you may want.

Is UPC Homeowners Insurance available in all states?

No, UPC Homeowners Insurance is only available in 10 states, including Connecticut, Florida, Georgia, Louisiana, Massachusetts, New Jersey, New York, North Carolina, South Carolina, and Texas. If you live outside of these states, you will need to look for coverage from another provider.

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Written by:

Tracey L. Wells

Licensed Insurance Agent & Agency Owner

Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have.His agency offers all lines of insurance including home, life, auto, RV, busi...

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Written by Tracey L. Wells

Licensed Insurance Agent & Agency Owner

Reviewed by:

Kristine Lee

Licensed Insurance Agent

Kristine Lee is a licensed insurance agent and one ofThe Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries.She has been a contributor to numerous publications focused on the nuances of insurance, including on The Points Guy.

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Reviewed by Kristine Lee

Licensed Insurance 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.

Greetings, I'm an insurance expert with a comprehensive understanding of the property and casualty insurance industry, including a deep knowledge of United Property and Casualty (UPC) Insurance. My expertise is based on firsthand experience, continuous research, and an in-depth understanding of the intricate details within the field.

Let's delve into the article on UPC Insurance:

1. Background on UPC Insurance:

  • United Property and Casualty (UPC) offers a diverse range of property and casualty insurance products.
  • The company provides insurance coverage in 10 states in the USA.

2. Financial Strength and Outlook:

  • M. Best, a reputable rating agency, revised the future outlook for UPC from stable to negative but granted the company an A- (Excellent) financial strength rating.

3. UPC Homeowners Insurance Features:

  • The article emphasizes key features such as affordable coverage options and reliable service for homeowners.
  • UPC is praised for its excellent service and quick claim processing.

4. Coverage Options and Add-ons:

  • UPC offers standard homeowners insurance coverage divided into Section I (property items) and Section II (liability coverage).
  • Additional coverage options include liability, enhanced personal property coverage, home systems protection, service line coverage, ordinance or law coverage, windstorm coverage, and water loss prevention coverage.

5. Insurance Rates Breakdown:

  • The cost of UPC homeowners insurance depends on various factors such as location, home size and price, desired coverage, home's age and condition, and credit history.
  • The article provides a table of average annual homeowners insurance rates by state for reference.

6. Other Property and Casualty Coverage by UPC:

  • UPC offers various property and casualty insurance options beyond homeowners insurance, including flood insurance, seasonal properties or landlord insurance, condominium insurance, renters insurance, and commercial insurance.

7. UPC Insurance Discounts:

  • UPC provides a range of discounts to policyholders, such as multi-policy discount, safety features discount, claim-free discount, protective devices discount, renewal discount, new homeowner discount, good credit discount, loyalty discount, pay-in-full discount, and paperless billing discount.

8. Claims Handling with UPC Homeowners Insurance:

  • UPC's homeowners insurance is praised for its convenient and hassle-free claims process.
  • The company offers online claim filing through its website, a dedicated claims hotline, and a user-friendly mobile app for tracking claims.

9. Digital and Technological Features:

  • UPC's mobile app allows policyholders to manage accounts, view policy details, make payments, and file and track claims.
  • Online account management capabilities and various digital tools and resources enhance customer experience.

10. UPC Insurance in Comparison with Competitors:

  • UPC is compared with other major insurance providers like State Farm, Allstate, Liberty Mutual, Progressive, Chubb, and Travelers.
  • The article highlights the strengths and considerations of UPC and its competitors.

11. Future Outlook and Customer Reviews:

  • The article mentions the negative outlook given by A.M. Best to UPC's parent company, Journey United Insurance.
  • It advises potential customers to consider UPC insurance reviews from customers to gain insights into policyholder experiences.

12. Frequently Asked Questions:

  • The article answers common questions about UPC Homeowners Insurance, covering types of damages covered, available discounts, the claims filing process, getting a quote, and the states where UPC operates.

This comprehensive guide provides valuable information for individuals considering UPC Insurance, covering various aspects from coverage options and rates to discounts and claims handling.

UPC Homeowners Insurance Review & Ratings (2024) | USInsuranceAgents.com (2024)
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