Insurance Scoring

Explore how a variety of factors influence your eligibility and premium.

A Score as Unique as You and Your Home

UPC Insurance and its affiliates consider many factors when determining your premium. This includes an evaluation of a combination of information, such as your loss history, home property characteristics, and your insurance score. The following information explains how using insurance scores helps UPC Insurance determine eligibility as well as the premium you pay.

Insurance scores are an objective tool that are predictive of insurance claims and losses, which is why UPC Insurance and other insurers use this information. Insurance scores help streamline our decision process in order to offer better coverage and pricing to our customers and keep our overall rates competitive. Some of the variables used in calculating an insurance score are:

  • Outstanding debt
  • Length of credit history
  • Late payments
  • New applications for credit
  • Types of credit used
  • Payment patterns
  • Available credit
  • Public records
  • Past-due amounts

An insurance score cannot employ any personal information to determine your score. Race, color, national origin, religion, gender, marital status, sexual orientation, age, address, education level, salary, disability, occupation, title, employer, date employed, or employment history are not used for scoring purposes. Additionally, inquiries made for account reviews, promotional inquiries from credit companies, or any information not found in the credit report are not used in calculating an insurance score. Finally, other variables that, by law, may not be considered, are also disregarded.


Although the insurance score is based, in part, on a consumer’s credit information, an insurance score measures the potential for future loss, while a credit score measures the probability of repayment, of the likelihood of default, on a credit obligation. Obtaining an insurance score does not negatively impact your financial credit score, as running a credit score does.

An insurance score is provided to UPC Insurance through third-party vendors; however, these third-party vendors neither make the decision regarding UPC Insurance’s rates, nor can they provide you with any reason a particular underwriting decision was made.

If UPC Insurance determines you will not receive our best rate, or coverage is denied, a notice will be sent to you in accordance with the Fair Credit Reporting Act. The notice will explain what information from your credit report or loss history information impacted your insurance premium.

The notice will also explain your rights under the Fair Credit Reporting Act and provide you with instructions to contact the consumer reporting agencies, dispute any inaccurate information.

Coverage by State

If you’re wondering which options are best for you, select your state and connect with a helpful UPC Insurance agent who can walk you through specific options based on your needs.