UPC Homeowners Insurance Change

Information for clients on the UPC Homeowners Insurance Change

United Property & Casualty Insurance (UPC) has made the decision to cease writing insurance coverage in the state of Massachusetts.  In the next few weeks, you will receive a letter from UPC explaining how they will be transferring your homeowners and/or dwelling fire insurance policy to one of two companies who have purchased their business – Homeowners Choice Property & Casualty Insurance (HCI) and TypTap Insurance Group.

Here are the details on next steps:


Here are the details on next steps:

  1. The letter from UPC will include a cancellation notice for the UPC Policy along with a replacement policy with Homeowners Choice Property & Casualty Co. (HCI).
  2. At no time will you be uninsured, and your coverage will not change with the replacement policy.
  3. This replacement policy will run until the date your UPC policy was due to renew. (Example, if your renewal date was 10/1/22, then your policy will run from 4/1/22 – 10/1/22)
  4. There is no action you need to take to continue your insurance coverage except to continue to pay your premiums as you have been doing. Your homeowners insurance invoice will now say Homeowners Choice Property & Casualty Company. 
    1. If you are on installments, you will receive a bill for HCI.  They only offer quarterly billing so your payments may change from what you were paying with UPC.
    2. If you were on payroll deduct, your deductions will stop at the end of the month, and you will receive a bill for the remaining portion of your premium.  This will be billed to you quarterly.
    3. If your policy was mortgagee billed; no action is required, your policy is still paid in full until the renewal date.

Now that we’ve given you the details of this change, we’d like to let you know that we are proactively reviewing your account to ensure we have the best coverage and premium options available to you.

 Approximately 90 days prior to your next renewal, you will receive an email or postcard from RogersGray. There will be a quick questionnaire included in there – please complete this as it will help determine the best renewal policy for you.  We will then contact you with your options.

  1. Approximately 45 days prior to your next policy renewal, you will receive a renewal policy from either HCI or TypTap, along with an invoice.  If your policy is mortgagee billed the invoice will be sent to them also.  It will be important to review your new renewal policy at this time as it could contain coverage changes.
  2. We would like to stress that you will not be without coverage as long as you continue to pay your premiums.  You will hear from a RogersGray Account Team member as we get closer to your renewal date.

 We thank you for the trust you have placed with RogersGray to handle your insurance needs.  If you have any questions or concerns, please contact us at any time.




No Need To Worry. We’ve Got You! 

 This is what we’re here for!  To manage changes in the insurance market for you so you don’t need to worry.

We are in the process of reviewing your homeowners policy with United Property & Casualty Company (UPC) and are taking this opportunity to review your coverage options. In order to do so, we would ask you complete just a few questions to provide us with the most up to date information regarding your home.

Click on the link below to complete the quick questionnaire

Why Do Carrier Changes Happen?

There are a number of reasons why an insurance carrier would change their available options including exiting the state, over exposure in a certain market and other reasons. When this type of change happens (very infrequently), there are legal restrictions to what they can and cannot do – including not leaving clients without coverage.

However, we recognize that when this happens, it can cause for a lot of concern for clients!

  • What happens to my policy?
  • Am I still insured?
  • Is this new policy still covered by the State (admitted option)?
  • Who is this new company that is taking over and will my rates increase?

If you just want answers to the questions above…look no further!

  • During this process, you should be notified by your insurance agent (RogersGray sent a letter to every client along with emails ahead of their renewal dates). This notification should explain that your policy is being underwritten by another carrier through the end of your policy term. It will then renew automatically with that new company unless your agent does something differently in advance of the renewal.
  • You are still insured, and your agent should most definitely assure you of that fact. There could however be small changes to your policy that you might want to review with your agent. 
  • You should ask if the policy is an “Admitted Policy”  An admitted insurance company has met regulations set by a state’s department of insurance (DOI), whereas a non-admitted insurance company has not met those requirements.
  • Any reputable company should have an at least an A- financial rating from A.M. Best or Demotech. You should be able to find their financial ratings relatively quick online. In terms of rate increases, you should look at your renewal policy or discuss your renewal policy with your agent. In the case of RogersGray, we are reviewing each policy in advance of renewal to make sure we are placing clients with the best option available to them.

The homeowners insurance marketplace can be volatile, however we are making every effort to communicate with you about the change and work on a solution to ensure your protection. 

PS – This article is about a year old, but it does give you some insurance details. You should note that since this was written, HCI has been approved and is operational in MA.