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About Us

Count on us at the time of greatest need.

Who is UPC Insurance?

  • An established homeowners insurance company founded in 1999 with a track record of successful operations in catastrophe exposed areas
  • A company that has not only survived but thrived through 17 separate hurricanes and tropical storms
  • A company building a diversified book of business in coastal areas from Texas to Maine that is currently writing in twelve states and licensed in eighteen states
  • A company committed to financial stability and solvency
  • UPC Insurance is Fortune® magazine’s 38th fastest-growing company in the world

UPC_Map_2-18-15UPC writes and services residential property and casualty insurance policies through a network of independent agents. We currently write policies in Florida, ConnecticutGeorgia, HawaiiLouisiana, Massachusetts, New Jersey, New YorkNorth Carolina, Rhode Island, South Carolina, and Texas. We are also licensed in Alabama, Delaware, Maryland, Mississippi, New Hampshire and Virginia. UPC plans to expand into additional states throughout the country (view map). We offer products in homeowners, dwelling fire and for flood coverage UPC is a Write Your Own Flood Carrier. Recently, we added a commercial residential product in Florida with plans to expand to other states.

UPC is focused on (1) financial stability; (2) providing world-class service and products; (3) hiring and retaining associates committed to a culture of teamwork, fun, and excellence in everything we do; and (4) being a good corporate citizen. In everything we do, UPC strives to Keep the Promise® to policyholders while being here today and here tomorrow for all our stakeholders. UPC Insurance is committed to financial stability and long-term solvency. We use a combination of our own capital and reinsurance capital to provide assurance that policyholder claims can be paid in a timely manner after a natural catastrophe. For UPC, this is not a theoretical exercise. During our history, we have paid more than $1.2 billion in total claims from 17 separate hurricanes and tropical storms, and thousands of routine events. The combination of a strong capital base, responsive claims operations, and a consistently strong group of reinsurance partners has enabled UPC to meet these obligations in a timely manner over and over again. It is the core competency and principle of UPC Insurance.


Financial Stability Rating® of A, Exceptional, From Demotech


UPC has earned Financial Stability Rating of A, Exceptional from Demotech

UPC Insurance has earned a Financial Stability Rating of A, Exceptional, from Demotech. Financial Stability Ratings (FSRs) are a leading indicator of the financial stability of Property and Casualty (P&C) insurers. Demotech’s FSRs are recognized by Fannie Mae, Freddie Mac and HUD.
Read more about our proven financial stability.