United Property and Casualty Insurance Company

  • Name: United Property and Casualty Insurance Company
  • General Phone Number: (800) 295-8016
  • Company type: Public
  • CEOR. Daniel Peed 
  • Year founded: 1999
  • Headquarters: 800 2nd Ave S. St. Petersburg, FL 33701
  • State availability: 12
  • BBB rating: A+
  • Website: upcinsurance.com
  • Key Principal: Greg C Branch
  • NAIC Complaint Index: 6.40
  • Demotech Financial Stability Rating: A (Exceptional)
united property and casualty insurance


  • Very affordable rates.
  • BBB accreditation A+ rating


  • Only available in 12 states.
  • No bundle discount.

About United property & casualty Insurance Company

United Property & Casualty Insurance Company is a Florida-domiciled Property & Casualty stock insurer company, located in St. Petersburg. United Insurance Holdings L.C. is the parent company of United. . According to estimates United Property & Casualty Insurance Company generates $73.53 Million in sales (USD).  This group includes 9 companies. 

UPC insurance provides insurance coverage to  homeowners in 12 states, primarily on the Atlantic and Gulf coasts. United Insurance Management L.C. is the Managing General Agent for United’s operations.

The company offers Dwelling Fire and Homeowners products. United also offers Write Your Own Flood Carrier products. An experienced team of insurance professionals manages the day-to-day activities of the company. They are dedicated to the company’s mission to provide a stable market for independent agents offering diversified property and casualty products. 

The company’s reinsurance program consists of only A.M.Best A Rated, Lloyds of London, Bermuda, and domestic reinsurers. It also includes additional disaster protection provided by Florida Hurricane Catastrophe Fund.

Demotech, Inc., an actuarial and financial consulting firm, has assigned United a Financial Stability Rating (FSR) of A, Extraordinary. Many government-sponsored enterprises accept FSRs, including Fannie Mae and Freddie Mac, as well as various programs of United States Department of Housing and Urban Development.

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UPC offers all industry-standard protections in its basic coverage.

United Property & Casualty Insurance Coverage

Dwelling + other structures–  Covers the home’s interior and exterior structure, as well as detached structures like sheds and garages.

Personal property– Covers your personal property in case of a covered loss, including furniture, clothing, appliances, and electronics.

Loss of use/Additional living expenses- Covers the cost of having to live outside of your home temporarily due to covered damage or destruction.

Personal liability– Covers your legal fees in the event you are sued for injury or personal property damage to a guest.

Medical payments to others- Covers medical expenses of a guest who gets injured at your home.

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UPC offers a variety of optional add-on endorsements to help you customize your coverage:

  • Ordinance 
  • Identity theft coverage
  • Personal injury
  • Limited water backup and sump pump failure


UPC homeowners insurance is only available in 12 states:

  • Connecticut
  • Florida
  • Georgia
  • Hawaii
  • Louisiana
  • Massachusetts
  • New Jersey
  • New York
  • North Carolina
  • Rhode Island 
  • South Carolina
  • Texas

United Property & Casualty(UPC) Insurance Cost

UPC homeowners insurance costs will vary depending on your property size and value, the materials used to build it, where you live, what coverage you select, and the insurance deductible that you choose.


UPC offers a few discounts that allow you to lower the amount you pay for homeowners insurance:

  • Protective devices
  • Age of home
  • Age & marital status
  • Bundle home, umbrella, auto and/or flood insurance
  • Protective devices (home security system)
  • Accredited builder
  • New roof
  • Hip roof
  • Wind mitigation for windows or doors
  • Senior/retiree
  • Newer home
  • Pay in full

UPC insurance discounts are available in every state. The most important point is the final price that you will pay. So always check with the other insurance company to make sure you are getting the right package at the right price.  


UPC insurance provides solid homeowners insurance coverage at affordable rates. Unfortunately, UPC policies are only available in 12 states. Customer service is not always available if you need a quote. For assistance, you should contact independent insurance agents. 

We recommend that you get quotes from as many home insurance companies as possible to find the right provider for you.

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