UPC Homeowners Insurance Review & Ratings (2024)
Secure your home with affordable and reliable UPC Homeowners Insurance. They offer customizable coverage options to protect your valuable asset. Count on their reputation for excellent service and efficient claims handling. Don't settle for less – choose UPC for peace of mind and comprehensive coverage. Get a quote now and safeguard your home from unexpected events.
Read moreKristine Lee
Licensed Insurance Agent
Kristine Lee is a licensed insurance agent and one of The 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.
Licensed Insurance Agent
UPDATED: Oct 14, 2024
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 company and cannot guarantee quotes from any single insurance company.
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 above 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: Oct 14, 2024
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 company and cannot guarantee quotes from any single insurance company.
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 above to use the free quote tool. The more quotes you compare, the more chances to save.
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UPC Homeowners Insurance
Average Monthly Rate For Good Drivers
$100A.M. Best Rating:
A (Excellent)Complaint Level:
LowPros
- Comprehensive homeowners insurance coverage.
- Tailored policies for various needs, including renters and condo dwellers.
- Specialized coverage for natural disasters like floods and earthquakes.
- Personalized consultations for determining the right coverage.
- Attractive discounts for bundling multiple policies.
Cons
- Limited geographical coverage (may not be available in all states)
- Fewer discount options compared to larger insurers
- Online account management could be more user-friendly
It’s difficult to know whether UPC is the company for you without first checking to see what other companies are offering when it comes to homeowners insurance and other P&C coverage.
The best way for you to find out what other companies have to offer is by using an online quote tool to compare rates from top companies in your area.
If you are looking for homeowners insurance, be sure to use our free quote tool below to compare rates and find the coverage you need.
What You Should Know About UPC Insurance
- 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.
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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.
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
| State | Average Annual Rates |
|---|---|
| Alabama | $1,433 |
| Alaska | $959 |
| Arizona | $825 |
| Arkansas | $1,373 |
| California | $1,008 |
| Colorado | $1,495 |
| Connecticut | $1,479 |
| Delaware | $833 |
| District of Columbia | $1,235 |
| Florida | $1,951 |
| Georgia | $1,267 |
| Hawaii | $1,102 |
| Idaho | $730 |
| Illinois | $1,056 |
| Indiana | $1,000 |
| Iowa | $964 |
| Kansas | $1,584 |
| Kentucky | $1,109 |
| Lousiana | $1,968 |
| Maine | $882 |
| Maryland | $1,037 |
| Massachusetts | $1,488 |
| Michigan | $942 |
| Minnesota | $1,348 |
| Mississippi | $1,537 |
| Missouri | $1,285 |
| Montana | $1,174 |
| Nebraska | $1,481 |
| Nevada | $755 |
| New Hampshire | $972 |
| New Jersey | $1,192 |
| New Mexico | $1,017 |
| New York | $1,309 |
| North Carolina | $1,086 |
| North Dakota | $1,253 |
| Ohio | $862 |
| Oklahoma | $1,885 |
| Oregon | $677 |
| Pennsylvania | $931 |
| Rhode Island | $1,551 |
| South Carolina | $1,269 |
| South Dakota | $1,202 |
| Tennessee | $1,196 |
| Texas | $1,893 |
| Utah | $692 |
| Vermont | $918 |
| Virginia | $999 |
| Washington | $854 |
| West Virginia | $940 |
| Wisconsin | $779 |
| Wyoming | $1,156 |
| Countrywide | $1,211 |
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.
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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.
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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:
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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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Kristine Lee
Licensed Insurance Agent
Kristine Lee is a licensed insurance agent and one of The 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.
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.