Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 17, 2020

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Company Details
Address: 800 2nd Ave S
City: St. Petersburg
State: FL
ZIP Code: 33701
Phone Number: (727) 895-7737
Year Founded:
AM Best Rating:
Company Rating 0 (0 reviews)

Things to Remember...

  • United Property and Casualty Insurance offers a variety of products to help homeowners’ insurance needs
  • United Property and Casualty Insurance does not sell automobile, health, or life insurance products
  • United Property and Casualty Insurance provides additional coverage such as flood insurance to Florida residents

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 both their portfolio and name.

Though headquartered in St. Petersburg, Florida, United Casualty sells insurance products in several other states as well.

Protecting the investment of your personal property and home is important. United Casualty focuses solely on insurance products that protect the home.

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

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 which allows United Casualty to have three levels of Protector Homeowner Policies, the HO-3, HO-4, and HO-6 policies.

The next type of homeowner protection United Casualty offers is Guardian Dwelling which is for owner-occupied or renter-occupied homes.

The coverage is only for dwellings that are used for the sole purpose of habitation, not home businesses.

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 are covered:

  • Central air conditioning
  • Central vacuum
  • Ventilation systems
  • Furnaces and boilers
  • Heat and well pumps
  • Water and solar heaters
  • Electrical panels
  • Pool equipment
  • Home security systems

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United Casualty Florida Products

Since United Casualty is located in Florida, there have a few products that are specially designed for Florida residents such as 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.

Water loss and damage is not covered under a homeowner’s insurance policy.

United Casualty’s Water Loss and Damage Prevention coverage provide 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 a necessity.

United Casualty’s flood insurance provides the money to repair or replace your home and belongings in the case of a flood.

United Casualty Claims

Filing a claim when damage or theft occurs must be done in a timely manner.

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.

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