United Insurance Management - UPC
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Verified current public guidance is limited. UPC’s official site states that United Property & Casualty Insurance Company (UPCIC) was ordered into receivership for liquidation on February 27, 2023, so broad active homeowner underwriting/appetite guidance is not publicly presented on the main site. The clearest currently published home-production guidance on the official site is the Preferred Builder program: it targets new-construction homeowners business, emphasizes competitive rates/coverage for new homes, and says many quoted new-construction risks will be bound. Geographic note: the builder program is currently offered only in Florida. Submission/qualification details for builders include years building homes, whether EIFS/synthetic stucco is used, any Chinese drywall/building material/workmanship claims in the past 5 years, whether the builder requires tolerances beyond code, whether a third-party home warranty is available, affiliated personal-lines agency information, annual home sales, states of operation, and builder association memberships; upload of the builder’s program is required. Producer/broker operational notes currently visible on the site include agent-center request workflows rather than broad appetite rules: loss-run requests require agency name, UPC agency code, appointment state selection (FL, GA, LA, MA, NY, NC, SC, TX), and a signed policyholder letter if the requester is not the agent of record; the site says to allow 2 to 3 business days for loss-run processing. Because the public site primarily reflects receivership/liquidation status and service forms, there is no verified current broad personal-lines appetite page with preferred/declined classes beyond the Florida new-construction builder guidance above.