United Property and Casualty Insurance Review 2021


Review written by:

- Policy holder
Very fast and professional! Easy and friendly to make your claim. They got someone out there with in 24 hrs to dry my house after the pluming issue in the kitchen. We are still working out the total cost of the repairs which that is the challenge in most claims. Word of advice when field adjuster get out stay on top of it and ask 1000 questions and make sure they document everything. They seem to be a good company so far. Will right another review after the settlement. So far so good... Keep up the good work! Thank you.
Chris N.
- Policy holder
- Policy holder

Carrier Overview

United Property and Casualty Insurance Company writes and services home insurance products in about 12 states including Florida. The company operates as a subsidiary of United Insurance Holdings Corp.

UPC Insurance is a flourishing and vibrant company that focuses on writing personal property insurance in catastrophe-exposed areas. UPC is one of the fastest growing Homeowners companies in the country. Founded in 1999 and headquartered in St. Petersburg, Florida, we currently operate in several states with plans to rapidly expand. 

UPC Insurance maintains an “A” (Exceptional) Financial Stability Rating from Demotech. At UPC, we believe that extraordinary associates drive our business. Its team of talented and committed associates create value for our customers and shareholders. It's traded on the NASDAQ exchange with the symbol “UIHC.” The ultimate vision is to be the premier provider of property insurance in catastrophe-exposed areas. 

Customer Service Number: 1-800-295-8016



  • Homeowners
  • Renters
  • Condominium
  • Flood
  • Investor property
  • Identity theft
  • Commercial residential
  • Special coverages 

How to Buy a Policy

UPC lets you request a quote directly from its website. After a filling out a questionnaire, a message is returned saying UPC will be contacting you shortly.

You may also search for an agent representing UPC using the tool on the homepage. A list of nearby agents is provided after entering your city, state and zip code.

Get a quote here.


Discounts offered

According to a document titled “Our Promise to Florida,” UPC offers several discounts.



  • Multi-policy discount – UPC Flood, UPC Dwelling Fire
  • Protective devices discount
  • Accredited builder discount
  • Age of roof discount
  • Wind mitigation discounts
  • Senior/retiree discounts
  • Newer home discounts

How to make payments

UPC offers a few ways to pay for your policy. You may choose to make an e-Check one-time payment here, where no login is required.

If you would rather make a one-time payment using a credit card, you will need to create a username and password here. Further, you can choose to make e-Check recurring payments here, which also requires you set up a username and password.

Finally, you can choose to mail your payment to UPC Insurance at P.O. Box 31512, Tampa, FL 33631-3512. The cut-off time to make or schedule a payment for the current business day is 3 p.m. EST daily. Any payments scheduled after this time will be posted on the next business day. For more information, contact: upcelectronicpayments@csc.com.


How to File a Claim

In the event you need to file a claim, UPC offers you the chance to expedite the process by using its new “Guided Claim Submission Tool.” This tool can be used on a smartphone or a tablet with a camera. You will be prompted to submit detailed photos and videos with your claim information.

If you would rather use a personal computer, you can use the “Convenient Online Form” to file your claim. Moreover, you can file your claim over the phone by calling 1-888-256-3378 and pressing option 1. 



  • Your name, address and phone number
  • Names and addresses of witnesses or injured persons
  • General loss information
  • Your policy number (if available)

Reinsurance program

According to its website, UPC has $2.8 billion in total reinsurance protection. Its catastrophe reinsurance program is built to protect against both very large storms and multiple storms in the same year, the website states.

“Since 1900, there has never been a hurricane event or season that would have exhausted more than 50 percent of our reinsurance coverage,” UPC states.

For more information, visit here.

Career Opportunities

UPC says it aims to be the premier provider of property insurance in coastal states, and it can’t do that without a strong group of talented, motivated and loyal associates. Its culture is based on teamwork, trust, integrity, fun and accountability. UPC associates are not afraid to make a difference. It says it believes in the power of leadership and in the value of every associate at our company. Here are the latest opportunities at UPC Insurance.


How to Become an Agent 

If you are an agent looking to work with UPC, you may apply for an appointment by filling out an online form.

become an agent

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