UPC Insurance Protector Homeowner Program
This is a preferred, high quality program that offers better than average coverage options over the "standard" and "non-standard" products sold today in the insurance marketplace.
Protector Homeowners Policy (HO-3)
This policy offers building, personal property, loss of use and liability coverage to the owner/occupant(s) of a dwelling that is exclusively used as a private residence. Some of the coverages available on this policy include:
- Scheduled Personal Property
- Golf Cart Coverage
- Water Back-up and Sump Overflow
- Loss Assessment Coverage
- Equipment Breakdown for Homeowners
- Personal Injury Liability
- Personal Property Replacement Cost
- Special Computer Coverage
- Refrigerated Products Coverage
Protector Homeowners Policy (HO-4)
This policy offers personal property, loss of use and liability coverage to the occupant(s) of a tenant-occupied dwelling, condominium or apartment. The dwelling unit must be used for residential purposes only. Some of the coverages available on this policy include:
- Scheduled Personal Property
- Golf Cart Coverage
- Special Computer Coverage
- Personal Injury Liability
- Personal Property Replacement Cost
- Refrigerated Products Coverage
Protector Homeowners Policy (HO-6)
This policy offers building, personal property, loss of use and liability coverage to occupant(s) of an owner-occupied condominium or cooperative unit. The dwelling unit must be for residential purposes only. Some of the coverages available on this policy include:
- Scheduled Personal Property
- Golf Cart Coverage
- Water Back-up and Sump Overflow
- Loss Assessment Coverage
- "Rented to Others" Endorsement
- Personal Injury Liability
- Personal Property Replacement Cost
- Special Computer Coverage
- Refrigerated Products Coverage
- Equipment Breakdown for Homeowners


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