United Casualty Auto Insurance Review

  • 33333
Address: 360 Central Avenue, Suite 900
City: St. Petersburg
State: Florida
ZIP: 33701
Phone Number: 800-295-8016
AM Best Rating: has not been rated
Market Cap:
Year Founded:

A United Casualty Auto Insurance review leads to United Property and Casualty Insurance. At one time the company focused solely on casualty insurance but has since added property products to their portfolio, as well as to their official name. Though headquartered in St. Petersburg, Florida, United Casualty sell insurance products in several other states as well.

If you are looking for personal auto insurance, you can compare auto insurance rates by entering your zip code in the free box now!

Protecting the investment of your personal property and home is important. United Casualty offers a variety of products to help homeowners in their insurance needs. They focus solely on insurance products that protect the home. They do not sell automobile insurance, health insurance, or life insurance products.

United Casualty Nationwide Products

United Casualty’s Protector Homeowner Program covers the home and personal property with liability and property damage coverage. The coverage amount is equal to the value of what is being protected. Because of this, United Casualty has three levels of Protector Homeowner Policies. They are the HO-3, HO-4, and HO-6 policies.

The next type of homeowner protection United Casualty offers is Guardian Dwelling. This coverage is for owner occupied or renter occupied homes. The coverage is only for dwellings that are in use for the sole purpose of habitation. This means home businesses are not covered. Guardian Dwelling covers buildings, personal property, fair rental value, and living expenses.

United Casualty Equipment Breakdown Insurance is intended to go beyond manufacturer warranties and cover home equipment that is essential for living comfortably. Some examples of equipment that is covered are: central air conditioning, central vacuum, ventilation systems, furnaces, boilers, heat pumps, water heaters, solar heaters, well pumps, electrical panels, pool equipment, and home security systems.

United Casualty Florida Products

Since United Casualty is located in Florida, there have a few products that are specially designed for Florida residents. These products are water loss and flood damage insurance. Since Florida is a hurricane state, many insurance companies choose not to sell insurance in the state. In fact, during severe hurricane seasons in the late nineties, many insurance companies went out of business, leaving Florida residents without the claim money they deserved.

Did you know that just an inch of water can damage an entire room or floor of a home? Water loss and damage is not covered under a homeowner’s insurance policy. It is an additional coverage that must be purchased. United Casualty’s Water Loss and Damage Prevention coverage provides the money to replace your water damaged home and items when needed.

Flood insurance is also not offered in your traditional homeowner’s insurance coverage. If you live in a flood-prone area or hurricane state, such as Florida, flood insurance is an absolute necessity. United Casualty’s flood insurance provides the money to repair or replace your home and personal belongings in the case of a flood. If you do not have flood insurance, your home could be a total loss in the event of a flood.

United Casualty Claims

Filing a claim when damage or theft occurs must be done in a timely manner. It is important to gather as much information as you can at the time of a loss. This information will be essential to United Casualty as they assess the damage and compare it to what is covered in your policy. The faster you report, the sooner you can head towards repair or replacement.

Loss can be reported 24 hours a day, 7 days a week. United Casualty’s commitment is to give its customers a 24 hour quick response. After the first 24 hours, more information may need to be gathered by the insurance company’s claims department, but during the first 24 hours, you will receive a response as to the next step.

Claims can be reported by telephone or by fax for homeowner’s claims, dwelling claims, and flood claims. Internet reporting is available only for homeowners and dwelling fires. Even if you decide to work with a mediator, you will need to contact United Casualty directly to provide the correct information and authorize the company to do what it needs to do to meet your claim.

If you are looking for personal auto insurance, you can compare auto insurance rates by entering your zip code in the free box now!

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