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United Property and Casualty (UPC) Insurance Review



I started Insurance Blog by Chris ™ because I have a passion for insurance. Here on the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers who help people understand all forms of insurance.

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Written by

Chris Huntley

Founder of Huntley Wealth & Insurance Services

Chris Huntley

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she received her Property and Casualty license in all 50 states. After several years, she expanded her insurance expertise and also received her license in health and AD&D insurance. She has worked for small health insurance companies …

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Reviewed by


Rachael Brennan

Licensed insurance agent

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.

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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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