UPC Insurance Review

Best for Combined Home and Flood Insurance – UPC – Home Insurance

UPC offers flexible coverage and private flood insurance, but it lacks common online and mobile tools, so be prepared to make friends with your agent.

J.D. Power Rating
AM Best Rating
Standard & Poor’s
2.8 / 5.0
SimpleScore UPC – Home Insurance 2.8
Discounts 2
Coverage Options 3
Customer Satisfaction N/A
Support 3
Accessibility 3
  • Home inspection program
  • Customizable coverage
  • Offers private flood insurance
  • No mobile app or online tools

UPC is not your average home insurance company. It specializes in property insurance, and specifically, is known for its home self-inspection program. The company sells property and flood insurance in 12 coastal states through a family of providers. To learn more, we evaluated UPC home insurance using the SimpleScore method, which looks at accessibility, coverage options, customer service, discounts and support. Here’s what we found.

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    America’s top-rated home insurance

    • Policies starting at just $25/month
    • Sign up in seconds, claims paid in minutes
    • Zero hassle, zero paperwork
    In this article

      UPC Insurance at a glance

      In business1999
      States served12
      Best forPeople looking for home and flood insurance
      Not forPeople looking to manage their policy online
      Standout featuresGood discountsOnline claimsEndorsement policies
      Available bundlesNone

      What we like about UPC Insurance

      Offers flood insurance

      UPC’s specialty is insurance for coastal states, including those with a high risk of flooding. UPC offers three types of flood insurance — National Flood Insurance Program (NFIP) coverage, private flood insurance and flood coverage enhancements. Their website includes information about each type of coverage, what’s included, and what the policy limits are.

      Customizable coverage options

      We also like that UPC offers customizable coverage options. The endorsements vary based on the state, but the company sells some unique offerings, like lock replacement coverage, a reward for theft conviction, refrigerated products coverage and enhanced roof replacement coverage. Homeowners in some states can purchase a Premier package or Premier Plus package that comes with a bundle of add-on coverages.

      [Read: The Best Homeowners Insurance Companies for 2020]

      Things to consider

      No online quotes

      Today, most insurance companies have an online quote tool. Unfortunately, UPC is one of the few companies that doesn’t offer it. If you want to get a quote, you’ll need to submit an online request form or contact an agent directly.

      Limited availability

      UPC only sells insurance in the following 12 states: Connecticut, Florida, Georgia, Hawaii, Louisiana, Massachusetts, New Jersey, New York, North Carolina, South Carolina, Rhode Island and Texas. In terms of availability, UPC doesn’t fare well compared to some competitors, like Geico, which offers nationwide coverage.

      Few digital tools and resources

      UPC doesn’t offer many digital tools or other online resources to help people purchase home insurance. There is a Plan & Prepare section on the website with home maintenance tips and articles, but it’s not insurance-specific. They also don’t offer a mobile app, so you’ll have to work mostly through a live agent.

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        UPC Insurance vs. the competition


        SimpleScore: 4.2/5
        Progressive home insurance is highly rated, and the company is known for offering great coverage options and discounts. You can even compare rates with the Homequote Explorer® tool to ensure you’re getting the best deal. Unlike UPC, Progressive offers home insurance in all 50 states. In addition to a great mobile app, Progressive also has valuable online tools and resources, which makes it a great option for first-time home insurance buyers.

        Read our full Progressive review.


        SimpleScore: 3.75/5
        Amica is one of the best home insurance companies on the market. In J.D. Power’s 2019 U.S. Home Insurance Study, Amica earned the top spot with a perfect 5-star rating. Amica offers widespread coverage, flexible coverage options, and a variety of discounts. They also offer many of the same endorsements that UPC offers, but UPC goes above and beyond. Like UPC, Amica also offers flood insurance from a few different providers.

        Read our full Amica review.

        State Farm

        SimpleScore: 3.8/5
        State Farm writes more home insurance policies than any other company. According to the Insurance Information Institute, State Farm had 18% of the home insurance market share as of 2019. We found that State Farm has some of the best online and mobile tools of any insurance provider. They offer a number of resources to help homeowners figure out how much insurance they need, what’s covered, and what’s not covered. However, State Farm offers fewer discounts than UPC.

        Read our full State Farm review.

        UPC Insurance’s rates

        UPC Insurance doesn’t disclose its rates online. In order to get a quote, you’ll need to contact an agent or fill out the online request form. At this time, there’s no option to get an instant price quote through UPC’s website.

        One of the biggest selling points of UPC is that the company offers a variety of endorsements that can fill gaps in your coverage. However, those endorsements will cost you. If you take full advantage of all the coverages UPC has to offer, you’ll probably end up paying an enormous premium.

        If you’re looking for cheap homeowners insurance, it’s important to shop around and get quotes from a few different companies to find the best rate.

        UPC Insurance’s coverage

        • Basic coverage: UPC offers all the basic home insurance coverages, including dwelling, personal property, liability, medical payments and loss of use coverage.
        • Flood insurance: Homeowners can purchase several different types of flood insurance through UPC—NFIP coverage, private flood insurance, and flood coverage enhancements.
        • Additional coverage: UPC offers a variety of additional coverages. The availability of coverage varies by state, but some examples include enhanced roof replacement, water backup, home-sharing coverage, replacement cost for personal property, identity theft coverage, lock replacement, ordinance coverage and refrigerated products coverage.

        UPC Insurance discounts

        • New roof
        • New home
        • Hip roof
        • Home safety devices
        • Weather-resistant building
        • Companion policy
        • Quote in advance
        • Recent renovations
        • Smart home
        • Pay in full

        [Read: Home Insurance Quotes, Explained]

        How to submit a claim with UPC Insurance

        Homeowners can file a claim online with UPC. If you experience a loss, here’s what you should do.

        1. Use the online claim form to report the loss. You’ll have the opportunity to provide a written description of the loss and the date it happened.
        2. Wait to hear from an agent. They’ll provide any paperwork you need to complete to move the process forward.
        3. Send back the paperwork along with photos and videos of the damage. An agent will compare the damage evidence to the home inspection video you’re required to provide at the start of your policy.
        4. Sit back and wait for your claim to get approved.

        [Read: How to Dispute a Home Insurance Claim Settlement]

        UPC Insurance online and mobile app

        Overall, we weren’t impressed with UPC’s online tools. The company hardly offers any resources to help homeowners buy insurance or figure out how much insurance they need. The Plan & Prepare blog has a few good articles on home maintenance, but most of the information is common knowledge.

        The one exception is UPC’s home inspection tool. When you buy a policy, you’re required to submit a digital home inspection that includes photos of the inside and outside of your home, as well as a walk-through video. If you have to file a claim, UPC uses the home inspection video to gauge the extent of the damage.

        Another downside to UPC is that it doesn’t have a mobile app.

        Find the Best Home Insurance

        Save money on home insurance with our simple comparison tool.

        Matching you with providers.
        We found results in
        Click at least 2-3 companies to find the very best rate.

          Powered by HomeInsurance.com (NPN: 8781838)

          America’s top-rated home insurance

          • Policies starting at just $25/month
          • Sign up in seconds, claims paid in minutes
          • Zero hassle, zero paperwork

          UPC Insurance home, auto and life

          UPC specializes in property insurance. The types of policies available through UPC include homeowners, renters, landlord, seasonal, flood, condo, and commercial residence insurance. They don’t offer any bundling options at this time.

          UPC Insurance in the news

          • In December 2018, it was reported that a Florida woman filed a claim with UPC after Hurricane Irma. The initial payout she received was $11,000, significantly less money than the cost of repairing her damaged roof and mold issues. The woman filed a complaint with the Department of Financial Services, and UPC raised her payout to $70,000.
          • In April 2017, UPC announced that it had completed its merger with American Coastal, which would provide “strategic opportunities for future growth,” according to UPC executives.



          The SimpleScore is a proprietary scoring metric we use to objectively compare products and services at The Simple Dollar.
          For every review, our editorial team:

          • Identifies five measurable aspects to compare across each brand
          • Determines the rating criteria for each aspect score
          • Averages the five aspect scores to produce a single SimpleScore

          Here’s a breakdown of the five aspect scores and their rating criteria for our reviews on home insurance.

          Why do some brands have different SimpleScores on different pages?

          To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.

          However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.


          We looked at the number of discounts each company offers – more discounts mean a higher score.

          Coverage Options

          We awarded higher scores to the companies that offer more coverage options.


          We awarded higher scores to companies with the most channels for customer support.

          Customer Satisfaction

          We leveraged the J.D. Power 2019 Home Insurance Satisfaction Study℠ to see how customers rated their experience with each company. (If a company wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)


          We looked at the level of accessibility of each company – the more resources they have the higher their score

          Elizabeth Rivelli

          Contributing Writer

          Elizabeth is a contributor to The Simple Dollar, where she reviews insurance providers and policies. She has more than three years of experience writing for top online insurance and finance publications, including Bankrate, Coverage.com and Reviews.com.

          Reviewed by

          • Nashalie Addarich
            Nashalie Addarich
            Insurance Editor

            Nasha Addarich is an editor at The Simple Dollar and a former attorney who specializes in home insurance, auto insurance, life insurance, and savings. She is a former contributing editor to Reviews.com.