United Property & Casualty Insurance

United Property & Casualty Insurance Review

United Property & Casualty Insurance is an insurance carrier based in Saint Petersburg, FL. The company was founded in 1999 and offers flood insurance in 17 states in the USA. Flooding is the number one natural disaster in the United States. According to FEMA floods cost Americans more than a billion dollars a year. However, standard homeowners insurance policies don't cover flood damage. 

United Property & Casualty Insurance FAQ

What types of coverage does United Property & Casualty Insurance offer?

Flood insurance includes a variety of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. There are two main types of flood insurance: policies offered by the National Flood Insurance Program (NFIP) and those provided by private companies, also known as excess flood coverage. United Property & Casualty Insurance offers both types.

NFIP Flood Coverage: Flood insurance through the National Flood Insurance Progam has two basic policies. One that covers the building property up to $250,000 and one that covers personal property up to $100,000.

Excess Flood Coverage: Some carriers offer this policy to homeowners who need more than the $250,000 of dwelling coverage offered by NFIP flood insurance. Excess flood coverage can also provide additional protection for valuables or expensive home upgrades not covered by standard flood insurance.

• Dwelling Coverage: Also called dwelling insurance. This is the part of your flood insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home. Federal flood insurance has a maximum coverage of $250,000. If you have a mortgage, your lender may require you to apply for excess flood coverage.

• Personal Property Protection: This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them. Federal flood insurance through the National Flood Insurance Progam maxes out at $100,000. If that doesn't cover the value of your personal property, consider buying excess flood coverage.

United Property & Casualty Insurance customers can also add the following riders or endorsements to their home insurance policies:

How can you save money on a United Property & Casualty Insurance home insurance policy?

When you ask for a quote with United Property & Casualty Insurance, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available. 

• Community Rating System: The National Flood Insurance Program's (NFIP) Community Rating System (CRS) is a voluntary incentive program that encourages community floodplain management activities that exceed the minimum NFIP requirements. Flood insurance premium rates of federal flood insurance policies are discounted to reflect the reduced flood risk resulting from the community actions.
• Flood Zone Designation: The Federal Emergency Management Agency (FEMA) creates flood zone maps that estimate the risk of flooding.
• Freeboard (Property Elevation Above BFE): Homewoners who elevate their homes above the base flood elevations (BFEs) pay lower premiums. For example, adding a 2-foot elevation to a home could reduce your flood insurance premiums by more than $1,000 a year.

Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with United Property & Casualty Insurance.

What additional benefits does United Property & Casualty Insurance offer?

United Property & Casualty Insurance offers the following benefits to its customers:

• 24/7 Phone Availability: Customer service is staffed around the clock.

• Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.

What is the financial strength rating of United Property & Casualty Insurance?

The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies.  SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.

United Property & Casualty Insurance scores an A or excellent, which is SuperMoney's second highest available score.