Homeowners Insurance

Your home is where family gathers, memories are made, and sentimental objects are stored. It’s not just an investment, it’s a place for refuge and comfort. UPC Insurance understands the significance of your home. Learn more about homeowners insurance that fits your needs.

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Home Sweet Home, On Your Terms


UPC Insurance offers homeowners insurance packages with flexible options, allowing you to customize your coverage. Our standard homeowners policy includes dwelling, personal property, loss of use, and liability.

Understanding Basic Homeowners Insurance 

Whether you’ve just purchased your first house or you’ve been a homeowner for years, comprehending the insurance policies related to homeownership can be confusing.

Homeowners insurance is sold in packages. Each home is unique and you may not need certain options, such as coverage for detached structures like a shed. In some markets, you could receive a credit resulting in a lower premium when coverages are removed.

A homeowners policy has two parts: Section I and Section II. Section I of the policy deals with coverage for property items, while Section II relates to liability coverage. See which coverages fall under each section.

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Self-Inspection Program for Your Convenience


Your life is busy and your schedule may not have room for a home inspection appointment. Fortunately, UPC Insurance now provides a state-of-the art home inspection solution for our homeowners. The home self-inspection program allows you to complete your own home inspection directly from a smartphone or tablet. Discover how this program works and what to expect.

Coverage Enhancements for Homeowners 

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Personal Property

You have options if your personal property has been damaged. Knowing how much your belongings are worth will help you make sure everything you value is adequately covered if an incident arises. Our homeowners policy comes with limited personal property coverage. 

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Home Systems Protection

You don’t take equipment that provides heating, cooling, and electricity for granted. Neither do we. Be prepared with critical coverage in the event equipment breaks down – which could cost $6,000 or more to repair. 

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Service Line Coverage

Be prepared if repairs are needed on service lines such as your water, sewer, and other utilities running underground from the street to your home. Between water, power, cable, data, and gas, today’s homes are connected. Cover those critical connections.

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The Lowdown on Flood Coverage

Did you know standard homeowners insurance does not cover flooding? Plus, federal assistance after a flood isn’t always available. See why you need flood coverage even if you don’t live in a flood zone. 

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Coverage by State

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

“My adjuster was great! He handled my claim in a professional and timely manner. He did an awesome job explaining the process and answering my questions. He was very responsive to emails and phone calls and made the process as easy as possible.”

Brittany P.
Safety Harbor, FL