Commercial Residential Insurance

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

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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

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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)
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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