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
United Property & Casualty Insurance Company (UPCIC) itself is no longer an active underwriting market; the official UPC website states UPCIC was ordered into receivership for liquidation on February 27, 2023. The current website remains active primarily for legacy servicing and claims-related functions, while the verified underwriting document found on the official site is a Florida homeowners quick reference card under Family Security Insurance Company branding. Based on that official underwriting guide, current published appetite is for standard personal residential property: 1-2 family dwellings, owner-occupied HO-3 homes, and condo risks with association master coverage, with homes insured to at least 100% of replacement cost. Preferred characteristics include dwellings in good repair, completed construction with certificate of occupancy, functioning smoke detectors, compliant electrical/plumbing/HVAC, and prior continuous insurance. Florida marketing material on the official site also indicates broad appetite positioning in Florida with Coverage A binding up to $1 million without underwriting approval, no age-of-home restriction, and no coastal or wind restrictions where open for business. Restricted or declined classes in the published guide include mobile/manufactured homes, motor homes, houseboats, trailers, historic homes, obsolete or unconventional construction (such as log, dome, earth homes), unfinished new construction, homes built by the insured/non-licensed contractor, vacant properties, foreclosure-related occupancy, LLC/corporate ownership, estates for new business, applicants with fraud/arson history, more than 2 mortgages, and high-profile/public-figure insureds. Property condition and liability restrictions include unrepaired damage, dangerous tree exposure, open/unprotected pools or spas, trampolines and similar hazards, unlicensed day care, assisted living exposure, and business operations beyond incidental home office use without prior underwriting referral. System restrictions called out include ineligible knob-and-tube wiring, most aluminum wiring, FPE/Stab-Lok/Sylvania/Zinsco/Challenger panels, fuse systems, lead/polybutylene plumbing, older or leaking plumbing, and aging/noncompliant water heaters or central HVAC; galvanized plumbing or older PEX requires inspection submission before binding. Occupancy notes include owner occupancy for HO-3, occupancy at least 3 months annually, additional protections/management expectations for homes occupied less than 9 months per year, and only limited short-duration rental to family/friends on HO-3; daily/weekly rentals are ineligible for HO-6. Submission/broker notes: failure to comply with photo requirements may result in rejection, cancellation, or non-renewal; homes with lapses over 30 days are ineligible; certain risks require prior underwriting approval before binding, including lapses, prior adverse underwriting history, low purchase-price-to-replacement-cost HO-3s, incidental business use, and some older system components. Because the carrier entity named by the user is in liquidation, treat any underwriting guide on the site as legacy/published material rather than confirmation of active new-business appetite for UPCIC.