United Property and Casualty Insurance Company (UPC) provides insurance policies through a combination of its own capital and reinsurance capital. UPC Insurance improves its efficiency by using a network of independent agents to negotiate insurance for residential property and casualty. UPC products policies includes: homeowners coverage, fire, flood coverage, and has also started commercial residential policy.
Flood Insurance
United Property and Casualty Insurance Company offers flood insurance against the threat of flood damage. There is compensation due to losses caused by heavy rains,winds, and flooding that come from severe storms and hurricanes.
United Property and Casualty Insurance Company can give you a customized protection using the comprehensive homeowner insurance and flood insurance. This is usually beneficial since you will work with only one adjuster who will provide you with complete service for wind and flood damage. The cost of flood insurance is relatively low mostly when you live in a low-to-medium-risk area than in high-risk regions. However, you receive the same benefits of protection from the insurance cover.
Homeowner Insurance The homeowners policy comes with coverage for the house, structures not attached to the house like a shed or fence, and personal belongings. It also cover for expenses if you house becomes inhabitable and therefore need to live somewhere else due to a covered loss. If there is a removal of any package due to issues with a specific market, you will receive a credit on your policy that removes the coverage and lowers your premium.
The policy also gives you an option to increase the number of items that should be covered. The homeowner policy has two parts, with the first section dealing with coverage of building and property items inside the structure such as freezers, and refrigerators, and outside the structure include fence and utility sheds. Other items covered are personal items such as clothes and TV sets, and associated living costs away from home when your house is damaged.
The second section involves personal liability coverage, where you get protected if someone gets hurt on your premises and sues you. The insurance company will represent you in court through an attorney to defend you, and in case you are found liable, they will offset it to the limit in your plan. It also includes payments for medical bills if you feel responsible for someone’s injury without necessarily being liable.
Commercial Residential Property Insurance The policy is currently only available in Florida and provided a variety of options including Equipment Breakdown and Ordinance or Law. It is intended to address the individual needs of Commercial Condominium Associations, Apartment Building Owners, and Homeowner Associations.
Filing Claims You can contact the company during business hours. You are required to alert Homeowner or Dwelling Fire claims directly to the company. You can directly contact them via phone at 24/7 on:1-888-CLM-DEPT (888-256-3378), or Internet Reporting at https://www.upcinsurance.com/cfnol
