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Written by Chris Huntley |
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Reviewed by Rachael Brennan |
UPDATED: March 29, 2022
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Here’s Scoop
- United Property and Casualty Insurance offers homes, tenants, landlords and other types of insurance products in seven US states
- Homeowners insurance with United Property and Casualty includes home, personal property, loss of use and liability protection
- Home insurance 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 looking for homeowners, flood or rent 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 insurance companies, tenants or homeowners in their state should find and compare rates from several companies before making any final decisions. This will help you make sure you get the coverage you need without paying too much.
What does United Property and Casualty offer for insurance?
When it comes to insurance products, UPC offers several different coverage options. Insurances with UPC include:
- Homeowners
- Flood
- Landlord
- Season
- Tenants
- Condominium
- Commercial housing
Of all UPC’s insurance products, homeowners’ coverage with United Property and Casualty Insurance is the company’s most popular insurance alternative.
Enter your zip code below to see companies that have cheap insurance rates.
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What is included in a UPC homeowners policy?
When it comes to insuring your home, you want to be sure that everything of value is covered. Whether your actual home needs to be repaired after a severe storm or precious items stolen from your home during a burglary, it is important that you feel safe and secure when it comes to repairing or replacing the losses.
With UPC home insurance, you can find a flexible insurance that allows you to adjust your coverage and get what you need. The usual homeowner policy with UPC Insurance Company includes your home, personal property, loss of use of your home and property and liability.
UPC policyholders can increase their personal property coverage and can add home system protection and service line coverage to their insurance policies to feel even more protected from loss.
Does UPC home insurance include flood coverage?
A home insurance with UPC does not cover flooding. But UPC offers flood insurance as one of its insurance products. Policyholders with UPC can purchase flood protection as a stand-alone insurance or pair it with a UPC home insurance policy.
UPC offers the following options for flood protection:
- NFIP coverage: This type of coverage is available in all flood zones. Police can cover up to $ 250,000 for the structure.
- Private flood insurance: This coverage allows you to choose coverage limits and amounts and name parts of your home and any additional property that you want to be under your coverage.
- Improvements to private flood protection: These improvements fit well with an existing home insurance and supplement for housing protection with UPC.
If you own a home, it is a good idea to consider flood insurance. This is especially true in areas that are more likely to be affected by floods and the damage that remains 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 does home insurance with UPC cost?
Rental insurance prices are affected by many different factors, such as where you live, the age and condition of your home, how much coverage you need and more. The only way to know for sure how much you can expect to pay for home 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 state in the United States.
Average homeowners insurance rates per state
| states | Average annual home insurance rates | Average monthly home insurance rates |
|---|---|---|
| Virginia | 1 057 USD | 88 USD |
| New York | 1 068 USD | 89 USD |
| California | $ 1 127 | 94 USD |
| Ohio | $ 1,164 | 97 USD |
| Alaska | $ 1,171 | 98 USD |
| Maryland | $ 1 191 | 99 USD |
| western Virginia | $ 1 192 | 99 USD |
| Indiana | $ 1 195 | 100 USD |
| Connecticut | $ 1,208 | 101 USD |
| South Carolina | $ 1 235 | 103 USD |
| Rhode Island | $ 1,261 | 105 USD |
| Arizona | $ 1,269 | 106 USD |
| Michigan | $ 1,288 | 107 USD |
| Massachusetts | $ 1 323 | 110 USD |
| Iowa | $ 1,371 | 114 USD |
| North Carolina | $ 1,409 | 117 $ |
| Illinois | $ 1,436 | 120 USD |
| Georgia | $ 1,445 | 120 USD |
| Florida | $ 1 637 | $ 136 |
| Alabama | $ 1,668 | $ 139 |
| Tennessee | $ 1,745 | 145 USD |
| Missouri | $ 1,794 | 150 USD |
| Texas | $ 1,846 | $ 154 |
| Mississippi | $ 1,860 | 155 USD |
| 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 USD |
| Arkansas | 2 291 USD | 191 USD |
| Nebraska | $ 3 234 | 270 USD |
| Kansas | $ 3 288 | 274 USD |
| Oklahoma | $ 3,482 | 290 USD |
| Hawaii | $ 383 | $ 32 |
| Vermont | $ 665 | 55 USD |
| Utah | 706 USD | 59 USD |
| Delaware | $ 732 | 61 USD |
| New Hampshire | 739 USD | 62 USD |
| Oregon | $ 756 | $ 63 |
| Pennsylvania | $ 758 | $ 63 |
| New Jersey | $ 793 | 66 USD |
| Nevada | $ 852 | 71 USD |
| Wyoming | $ 870 | 73 USD |
| Washington, DC | $ 893 | 74 USD |
| Wisconsin | $ 933 | 78 USD |
| Idaho | $ 934 | 78 USD |
| Maine | 951 USD | 79 USD |
| Washington | 964 USD | 80 USD |
As you can see, prices can vary considerably depending on where you live. You may find that your homeowners’ insurance rates are well above or below your state’s average. If you think you should pay less for home insurance, it is a good idea to look for coverage and compare rates to find the most affordable options.
Enter your zip code below to see companies that have cheap insurance rates.
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Does UPC have good ratings and reviews?
United Property and Casualty Insurance is rated A (Excellent) Financial Strength by Demotech, Inc. In addition, UPC is rated A + by the Better Business Bureau (BBB).
If you are interested in learning more about UPC before purchasing a policy, you can go online and read various customer reviews on the BBB website. Although you will find a number of complaints about the company, you will notice that many of the issues have been closed in the last 12 months.
Should I buy insurance from UPC?
If you need homeowners, tenants or flood insurance and you live in one of the states where UPC is licensed to conduct business, you may find that an insurance policy with the company is right for you.
But before you make any final decisions about insurance coverage, you should go online and compare quotes from UPC with several companies. Do not wait until you have purchased insurance to find out if what you have is the cheapest available.
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