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UPC Insurance

Are you under insured or uninsured and need protection and peace of mind should an emergency arise? UPC Insurance wants you to worry less and enjoy your life more. Even though UPC Insurance can’t stop a loss or disaster from happening, UPC can insure your recovery and give you the peace of mind to rebuild your future and protect your place in life. United Property & Insurance Company (or UPC for short) was rated A+ by the Better Business Bureau in August of 2003 and has a vision statement to be the premier provider of catastrophe exposed property insurance.

UPC Insurance are committed to treating you, not as a policy, but as a real person, and they have access to multiple insurance companies and are able to offer you competitive pricing, a wide variety of products and valuable support. With over 4,600 agents and over 140,000 policies written and still growing, UPC has successfully managed its business through various hurricanes and other tropical storm events.


UPC Insurance is based out of Florida and is expanding its services outside of the southeast and now entering northeastern states such as South Carolina, Massachusetts, Rhode Island, North Carolina and recently licensed in New Jersey. From its headquarters in St. Petersburg, Florida, UPC Insurance’s team of dedicated professionals manages a compound insurance company, including sales, customer service, and claims.

Owning a home or business is more than just the contents. It is you and your family having a place that is all your own and counting on a particular lifestyle. UPC can help with that and has many types of insurances available for your needs. They offer Homeowners, Condominium, Dwelling Fire, Flood and even some special coverages such as Identity Theft, Water Loss and Equipment Breakdown to protect your property and your assets as well. UPC also offers a reinsurance program that covers both frequent and severe events such as the 100-year event or risk of surplus erosion in multiple storms.

UPC’s Homeowners Policy offers above average coverage compared to the products sold today in the insurance industry. The policy offers building, personal property, loss of use and liability coverage to the owners or occupants of a dwelling used as a private residence. It also has optional additional coverage to tailor your policy to meet your specific needs.

UPC’s Condominium Policy offers building, personal property, loss of use and liability coverage to occupants of a residential unit only. It can also be tailored to meet your needs and has optional additional coverages.

UPC’s Dwelling Fire Policy protects the home against disasters such as fire, windstorm or lightning but does not cover personal property or contents. It is usually acquired by homeowners or for an investment property such as a vacation home.


As for UPC’s Flood Policy, a UPC insurance agent can advise which policy is best for the customer. With a flood being so unpredictable and possibly happening anywhere that is rains, all home and business owners in high-risk flooding areas with mortgages from federally regulated or insured lenders are required to purchase flood insurance. A homeowners policy does not cover floods so flood insurance must be purchased in order to have that type of coverage. UPC will also give you a credit on your UPS homeowners policy if you purchase a UPC companion flood policy.

UPC’s Identity Theft Protection Policy is a fully managed restoration service in case you become a victim. This will give you the peace of mind you need to help you restore your identity to pre-theft status and remain productive in your work and life.

UPC’s Water Loss Policy will help you in the event of appliances, hoses, and pipes or drains malfunction and cause damage. This protection will give you a credit on your policy if you have a licensed plumber inspect your plumbing system, all connections and all appliances attached to the system to be sure they are free of defects.

UPC’s Equipment Breakdown Policy covers central air, pool equipment, back up generators, central vacuums, electric power panels, well pumps, chair lifts and elevators, boilers and water heaters, ventilation systems and fans, furnaces and heat pumps, heaters, and solar heaters. These types of breakdowns can be very costly and having this policy can save you a lot of money if something should happen.

UPC Insurance believes that innovation and outstanding customer service is what drives their business. They have a team of talented and committed employees that create value for their customers and shareholders. They will work with you to determine the insurance and financial services that are right for you, your family or your business and use the access they have to multiple companies to deliver the correct products. At your request, UPC will explain the coverages and options available to you through their company. They will guide you through your claims process for a quick and fair decision, help you solve any problems related to your account or coverage, return your phone calls and e-mails quickly and respond to your requests or questions in a timely manner. UPC Insurance provides round the clock services for their customers, offering emergency phone numbers, internet account access, e-mail and call center services. UPC encourages staff to continue their education so they may be more knowledgeable in serving their customers and will use their experience and multiple company relationships to customize their client’s coverage as needed.

At UPC Insurance, you are treated with respect and courtesy and they conduct their business in an ethical manner. In all the states that UPC Insurance operates, they commit themselves to provide the highest possible level of service to their agents and policyholders.

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