Commercial Residential Property Insurance

Count on UPC Insurance and our suite of products designed for the unique needs of commercial residential property owners.

commercial building image

Specializing in Apartments


We offer premier commercial residential property insurance for residential condos and townhomes, apartment buildings, and homeowner associations such as planned unit developments.

Coverage Options for Commercial Residential Properties

When it comes to coverage for commercial residential properties, UPC Insurance offers a wide variety of options. Our dedicated team of experts include commercial underwriters, claims, sales, and marketing staff – all eager to provide the ideal policy to meet your needs. Read the following coverage selections for residential properties:

This includes named perils such as fire, lightning, internal explosions, and smoke.

This includes the same perils covered under Basic, plus a few more perils such as volcanic eruptions.

This includes the same perils covered under Basic, plus Open Peril. Unless it specifically excludes it, UPC Insurance will cover it. Some of the excluded aspects are wear and tear, maintenance, intentional acts, etc.

  • Wind Driven Rain
  • Mold Coverage (fungus, wet rot, dry rot, bacteria)
  • Home Systems Protection
  • Increased Building Ordinance or Law
  • Agreed Value

This coverage applies for when extra expenses occur to keep your business running after an issue. For example, if elevators broke and you needed to rent generators to keep them running, UPC Insurance would cover the cost of the generator rental. This coverage also applies to Journey Insurance.

journey
Journey Insurance is UPC Insurance’s first AM Best Rated recognition. We offer three commercial products – two through ACIC and one through Journey.
Am Coastal
UPC Insurance and American Coastal Insurance Company completed their merger in 2017 to create a leading specialized personal lines and commercial lines underwriter.

Coverage by State

Select your state to explore the UPC Insurance products tailored to where you live.  

UPC was always very prompt, professional and patient, answering my calls and emails and assisting me in overcoming this difficult hurdle.

Irina L.
Boca Raton, FL