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
Operational note only – United Property & Casualty Insurance Company (UPC) is no longer a viable underwriting market for new or renewal homeowners business. • Carrier/market status • UPC Insurance (United Property & Casualty Insurance Company) was ordered into liquidation by the Second Judicial Circuit Court in Leon County, Florida, effective February 27, 2023. ([citizensfla.com](https://www.citizensfla.com/-/20230301-securing-coverage-for-upc-policyholders-upcoming-webinar-update?utm_source=openai)) • Subsequent industry coverage indicates UPC was deemed insolvent by Florida regulators in 2023, with its remaining book and corporate structure effectively transitioning under American Coastal Insurance Corp.; UPC itself is not operating as an active personal lines homeowners writer. ([shunins.com](https://shunins.com/article/is-upc-insurance-an-admitted-carrier?utm_source=openai)) • Underwriting / appetite applicability • Any historical homeowners underwriting manuals (e.g., state-specific homeowner program manuals or guidelines) you may find online are legacy documents from when UPC wrote homeowners business (for example, archived Texas and Connecticut homeowners manuals). ([upcinsurance.com](https://www.upcinsurance.com/docs/default-source/underwriting/forms/texas-ho-manual.pdf?utm_source=openai)) • Those manuals are no longer operative for new submissions, rewrites, or renewals because the carrier has been liquidated and policies were either cancelled, non‑renewed, or assumed by other carriers or residual market entities (such as Citizens in Florida). ([citizensfla.com](https://www.citizensfla.com/-/20230301-securing-coverage-for-upc-policyholders-upcoming-webinar-update?utm_source=openai)) • Practical guidance for producers/brokers • Do not submit any new homeowners business to United Property & Casualty; there is effectively no active underwriting appetite. • For any in‑force or legacy policies you encounter (e.g., on older lender or closing documents): • Treat UPC as an insolvent/defunct market and replace coverage with an active carrier immediately. • Follow state‑specific guidance for replacement of UPC policies. For example, Florida’s Citizens Property Insurance Corporation issued guidance and temporarily eased certain underwriting requirements specifically to help agents move former UPC policyholders to Citizens. Similar direction may exist in other UPC states via their guaranty associations or residual markets. ([citizensfla.com](https://www.citizensfla.com/-/20230301-securing-coverage-for-upc-policyholders-upcoming-webinar-update?utm_source=openai)) • If a client still references UPC or holds unearned premium/claim questions, direct them to the applicable state guaranty association or receivership contact as outlined in state regulatory bulletins, rather than to UPC’s normal underwriting or producer channels. • Preferred / restricted / declined classes and geography • Because the carrier is in liquidation, there is no current target or preferred homeowners profile, and all classes of new or renewal homeowners business should be considered declined. • Historical geographic appetites (e.g., coastal vs non‑coastal, specific state programs) are irrelevant for current placement decisions because UPC is not accepting risks. • Submission requirements • There are no active producer, broker, or submit‑business workflows to use for homeowners risks. Any prior portals, comparative rater connections, or upload paths to UPC should be treated as out of service for new business. Summary: United Property & Casualty Insurance Company no longer has actionable homeowners underwriting guidelines or appetite for producers. All UPC homeowners risks must be redirected to alternative markets according to state‑specific transition and guaranty association rules.