Commercial Residential Insurance

Our customizable product is designed for the unique needs of commercial residential property owners in Florida, Texas, and South Carolina.

journey insurance

Specializing in Insuring Apartment Complexes and Condominium Associations

As a member of the UPC Insurance family, we bring a commercial residential product to Florida, Texas, and South Carolina property owners, backed by decades of experience.

Key coverages include: Agreed Value, Business Income, Equipment Breakdown, Increased Building Ordinance or Law

Red Apt

Underwriting Flexibility for Property Owners

We make it easy for Florida, Texas, and South Carolina property owners to do business with us.

We cover:

  • “Class A” apartments, 1970 and newer
  • Total insured value (TIV) target $5 to $50 million
  • Multiple deductible options for all other perils (AOP), wind, and sinkhole
  • Better roofs, 2004 and newer
  • Best-in-class updates

Coverage Extensions:

  • Wind Driven Precipitation ($250,000)
  • Backup of Sewers and Drains ($150,000)
  • Fungus, Wet Rot, Dry Rot, and Bacteria ($50,000)
  • Pollutant Clean-Up and Removal ($150,000)
  • Outdoor Property ($100,000)
  • Accounts Receivable ($500,000)

Efficient Property Insurance Claims

With every claim, our goals are prompt restoration of property and high customer satisfaction. Here’s how we make that happen:

  • Claims are primarily handled by UPC associates, with every decision made by UPC claims management
  • Policyholders may use any contractor service of their choice
  • Claims can be reported online 24/7 through the Journey Report a Claim form or by contacting your agent

About UPC Insurance

Journey is proudly part of the UPC Insurance family of companies. UPC Insurance is:

  • The 18th largest writer of homeowners insurance nationally
  • Publicly traded on the NASDAQ (UIHC)
  • Writing in coastal states since 1999
  • Licensed in 18 states