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About Us

Who is UPC Insurance?

  • An established homeowners insurance company founded in 1999 with a track record of successful operations in catastrophe exposed areas
  • A homeowners insurance company that has not only survived but thrived through 16 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 seven states and licensed in eight others
  • A company committed to financial stability and solvency

UPC Insurance Company Brochure


To be the premier provider of property insurance in catastrophe exposed areas.

UPC writes and services residential property and casualty insurance policies through a network of independent agents. We currently write policies in Florida, Massachusetts, New Jersey, North Carolina, Rhode Island, South Carolina and Texas. We are also licensed in Connecticut, Delaware, Georgia, Louisiana, 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 (i) financial stability; (ii) providing world-class service and products; (iii) hiring and retaining associates committed to a culture of teamwork, fun, and excellence in everything we do; and (iv) being a good corporate citizen. In everything we do, UPC strives to Keep the Promise for policyholders while being here today and here tomorrow for all our stakeholders. UPC Insurance is committed to financial stability and long-term solvency. The Company uses a combination of its 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 billion in total claims from 16 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 a core competency and principle of the Company.