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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 28 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 12 states and licensed in 18 states
  • A company committed to financial stability and solvency
  • UPC Insurance is Fortune® magazine’s 38th fastest-growing company in the world

UPC state coverage mapUPC 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 homeowners, dwelling fire, condominium, and renters products, and UPC is a Write Your Own Flood Carrier for flood coverage. We have also added a commercial residential product in Florida. Our commercial presence was further expanded by a merger with Florida’s largest commercial property writer – American Coastal Insurance Company.

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 nearly $2.5 billion in total claims from 28 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.

UPC Story Video

Keeping the Promise

UPC Culture Video

The People Behind the Promise

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.