The goal of this United Property & Casualty Insurance review is to look at real data from third-party sources to see how it stacks up in customer experience, price, and claims. We consider the real consumer reviews provided on third-party review websites and data compiled by the National Association of Insurance Commissioners. That way, you can make informed decisions as you look for the best home insurance in Florida.
UPC Insurance considers itself a coastal state expert, providing homeowners insurance to vulnerable areas since 1999. They are licensed in 18 states and write new business in 12. UPC Insurance ratings with Demotech remain an A (exceptional) and the company is publicly traded on NASDAQ. It offers homeowners, condo, renters, landlord, and flood insurance and its Florida market share is a 3.66 percent.
UPC Insurance has a relatively small number of Clearsurance reviews: 44. About 30 percent of customers give UPC excellent ratings and 39 percent rated them poor.
Positive reviews cite a good claims adjuster or positive experience with the sales team, noting they hope they “will not have to use” the coverage.
Of the one-star ratings, customers were upset that claims weren't covered when a simple rider would have made the difference. During one claim, UPC wanted to see the inspection report of when the homeowners purchased the home five years earlier and took a month to determine if the claim would be covered.
Other reviews state poor service with representatives that either doesn’t seem to care or are not trained properly. Renewals with mortgage companies are reported to have issues, creating problems with continued coverage and concerns from policyholders.
By contrast, keeping the insurance process simple with well-trained agents is where Kin excels. Our 750+ Trustpilot reviews cite the professionalism and knowledge of our representatives.
On average, customers rate Kin 4.8 out of 5; UPC's average is 1.9.
Bottom line: Training your team is important to making sure policyholders get the right coverage before they need it.
Savvy consumers know that complaints are easy enough to make online. However, formally filed complaints speak volumes about a customer's dissatisfaction. A consumer can gain insight as to whether the complaints have any merit if they look at the National Association of Insurance Commissioners (NAIC) Complaint Index.
The complaint index creates a ratio to show whether the number of complaints a company experiences is on par with their market share. This helps give an accurate impression: larger companies that serve more people will typically have more complaints than smaller companies. This ratio accounts for that disparity so consumers can compare apples to apples.
The median compliant score is 1. Companies with a score of 2, then, experience double the expected complaints for their size and market share. Companies below the median have fewer than expected complaints.
Both UPC Insurance and Kin have a complaint index of 0, meaning few if any customers file formal complaints.
Florida homeowners are unfortunately accustomed to paying high premiums for sub-par insurance. We credit UPC for offering competitively-priced coverage. Their average premium for a $300,000 newly built home is $1,723 a year, but it's still higher than our average of $1,354 a year. UPC costs about 27 percent more than Kin.
Average Annual Premium Comparison
|Value of Home||Kin Insurance||UPC Insurance|
|$300k New Build||$1,354||$1,723|
Your rate will likely differ from the state average with any insurance carrier – either higher or lower. Every homeowners insurance policy is underwritten based on the home’s location, size, construction, and claims history.
Claims demonstrate whether or not an insurance carrier fulfills its promise to policyholders. Customers can pay premiums for years without ever having a claim and be perfectly content; the difference is whether or not claims are handled properly and fairly.
UPC has mixed reviews with how claims are handled, which suggests the customer’s experience is highly contingent on getting a good and competent claims adjuster.
We train our claims team to be consistent, fair, and fast. Technology helps us streamline processing and take subjectivity out of an adjuster’s report. The promise to be there for you when a disaster hits is something we take to heart. That's why we get in touch after major storms just to check in.
When you do experience a loss and need fast repairs, our Managed Repair Network pairs you with licensed, insured, and local contractors to get the work done professionally.
See what we can do for you. Get a quote today.
Get a better look at how Kin compares to other Florida home insurance companies:
Don't settle for second best. Get a quote from Kin today!