United Property and Casualty
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
UPC’s official site currently states that United Property & Casualty Insurance Company (UPCIC) was placed into receivership for liquidation on February 27, 2023, so current retail underwriting guidance appears to survive mainly through legacy/posted underwriting documents rather than an active broad consumer product platform. Verified published guidance found on the official site is a Florida homeowners/condo quick reference guide plus a Florida Preferred Builder submission page. The Florida guide indicates preferred business is owner-occupied HO-3 and eligible HO-6 condo business insured to 100% replacement cost, with prior insurance in force, standard construction, good maintenance, acceptable liability profile, and acceptable roof/plumbing/HVAC age and condition. New-construction/homebuilder business is specifically promoted through UPC’s Florida-only Preferred Builder Program, which advertises competitive rates, easy approval, and a high close ratio for new construction homeowners risks. Restricted or declined risks in the published guide include vacant homes; homes for sale or in foreclosure; isolated properties; farms/ranches/orchards; properties over water; condemned locations; brush/wildfire exposed risks; most Protection Class 10 risks; mobile/manufactured homes; unconventional or self-built homes; unfinished new construction; homes with asbestos or older EIFS concerns; burglar bars; unlicensed daycare or assisted-living exposures; active business operations beyond incidental home office use; dangerous/vicious animals and certain ineligible breeds; unprotected or poorly maintained pools/spas; trampolines/zip lines/skate ramps/bounce-house type exposures; applicants with arson/fraud history; high-profile public figures; more than two mortgages; estates for new business; and, for HO-3, non-owner occupancy except very limited short-term family/friend rental use. Geographic notes: verified Florida underwriting guidance requires flood coverage for HO-3 dwellings in Special Flood Hazard Areas with matching building/contents limits or the maximum available; ground-floor HO-6 units in SFHA also require flood. Properties excluding wind must carry separate wind coverage with matching limits. Sinkhole history requires documentation that stabilization/repairs were completed and referral to underwriting before binding. Submission/inspection requirements: all properties may be subject to exterior/interior inspection and Home Self Inspection photo requirements; failure to comply can result in rejection, cancellation, or nonrenewal. Underwriting approval is required for coverage lapses, certain prior underwriting actions, sinkhole history, incidental business occupancy, certain flat-roof condo situations, and when purchase price is below 70% of replacement cost. Plumbing/HVAC/roof rules are detailed: no leaks; plumbing generally 40 years or newer; lead and polybutylene are ineligible; galvanized plumbing of any age and pre-2010 PEX require inspection before binding; water heaters generally 15 years or newer; central HVAC generally 20 years or newer; and roofs must be in good condition with strict age/material limits, while certain roof types such as wood shake and tar-and-gravel are ineligible. Broker/producer notes available from the official site: the Preferred Builder Program is Florida-only and allows either agents or builders to apply; the form asks for agency/builder details, builder program upload, affiliated agency information, annual sales, states of operation, and association memberships, indicating UPC expects structured builder relationship submissions rather than simple quote requests for that channel.