UPC Homeowners Insurance Review & Ratings (2022)
UPC Insurance offers homeowners insurance, and other types of property and casualty insurance, to residents of 10 different states in the U.S. UPC homeowners policies include options for add-ons and allow policyholders the flexibility of tailoring the policy to meet their unique needs. A.M. Best has given UPC’s parent company, Journey United, an A- (Excellent) rating for financial standing but changed the company’s overall outlook from stable to negative.
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Written by
Chris Tepedino
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Reviewed by
Laura Walker
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UPDATED: Jun 20, 2022
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- 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
If you recently purchased a new home, you may be in the market for a homeowners insurance policy.
There are countless insurance companies that provide homeowners coverage. One of these companies is United Property and Casualty Insurance, or UPC.
UPC insurance offers insurance coverage to 10 states in the U.S. Along with homeowners insurance coverage, UPC offers several additional types of property and casualty insurance.
Before you purchase a UPC policy, you will want to shop around and compare UPC homeowners insurance rates with rates from top companies in your area.
It’s a good idea to learn more about UPC insurance and to shop around for free insurance quotes online to find out which company will offer you the best coverage at the cheapest rates.
One of the easiest ways to compare UPC insurance quotes with other companies is to use a quote tool that sets multiple companies side by side at once.
You can use our free tool above to search for the best property and casualty insurance rates before you commit to buying UPC insurance.
Table of Contents
What does UPC offer for homeowners insurance?
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 homeowners 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 homeowners packages offered by UPC Insurance give policyholders flexibility when it comes to coverage types and amounts.
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How much is a homeowners policy with UPC?
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 |
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Obviously, the factors listed above will greatly impact your actual homeowners 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
- Landlord or seasonal properties 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.
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.
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Is it easy to file a claim with UPC?
If you do choose UPC for your homeowners insurance, you will be happy to know the company offers a straightforward approach to filing and viewing the status of a claim.
You can file UPC insurance claims on the company’s website or by calling and speaking to a representative. Once you file a claim, the company allows you to use your UPC login information to see the status of your claim and make any necessary adjustments.
Will UPC work for me?
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.