Our Products & Services
UIH’s insurance company subsidiaries have established strong relationships with a network of over 8,000 independent agents by emphasizing personal interaction, offering superior services and maintaining an exclusive focus on homeowners insurance. The Company’s insurance company underwriters work closely with independent agents to market and underwrite business. With competitively priced products, convenient installment billing plans and proactive claims management, both UPCIC and APPCIC provide their customers with superior service.
As of December 31, 2018, UIH's insurance company subsidiaries serviced approximately 828,653 homeowners and dwelling fire insurance policies.
Products & Services
Designed for dwellings occupied by the owner
Designed to cover contents in a rented dwelling
Designed to provide coverage for owner occupied or tenant occupied condominiums
Protection against covered perils such as wind, hail, lightning, or fire
Other Structures Coverage
Protection structures on covered property other than a home, such as a garage or shed
Dwelling Fire Policy
Designed to protect Landlord's dwelling
Personal property coverage
Worldwide coverage for personal contents
Personal liability coverage
Legal protection for claims from accidents to others
Easy, fast, Secure Homeowners insurance. get a free quote. 100% online Now! Affordable rates. first time home buyer
We can help give exceptional peace of mind to a wide range of Home Insurance Companies to give you comparative & competitive rates for Massachusetts Home Owners and First Time Home Buyers.
We make it simple to find the best price on homeowners insurance from multiple companies.
Specialty Rates · Top Coverages - First Time Home Buyers
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Cover your biggest investment and build a custom home insurance policy & make the switch! Manage your policy online and enjoy multi-policy discounts. Switch & You Could Save
We recommend coverage amounts for your personal situation and break down everything we offer with clear-cut explanations so you know exactly what you’re getting. When purchasing property insurance, doing your due diligence is more than a turn of phrase. The period when a house is under contract is an essential part of the home insurance buying process and requires careful attention to detail. Being thorough in the due diligence phase will help you uncover potential issues and make the right choices for you and your family by calling us at (508)540-2601.
Simply having a roof over your head isn’t enough. As a homeowner you also need to take good care of this important part of the house, which means understanding what your homeowners policy includes (and what it doesn’t) in the event of damage or decay.
Insurance coverage designed for you. Call (508)540-2601
Our products are designed specifically to meet the needs of successful individuals and families. You have the flexibility to customize coverage to ensure your home and other significant assets are properly protected.
Watch Out for These Homeowner Mistakes
Few things in life are as stressful as buying a home. That is, until something goes wrong with it. The real work of owning a house often begins after moving in, but you can start the journey well-prepared by being aware of these common pitfalls.
Many homeowners make the unfortunate error of underestimating how much their personal belongings are worth. Though it's important to have your property appraised, that alone isn't enough.
To get the most suitable coverage, factor in the value of everything inside your dwelling, too -- not just what it would take to repair. From improvements you've made and appliances you've updated to furniture, clothing and electronics, you'll need to account for everything that would have to be replaced.
Ignoring Routine Maintenance
All homes require upkeep, and some tasks are more vital than others. Realistically, neglecting routine maintenance could even lead to a fire or flood. In fact, homeowners are more likely to file insurance claims for water and smoke damage than any other type.
Since houses don't come with an owner's manual, it's a good idea to make and follow a home maintenance checklist that includes doors and windows, your washer and dryer, and fire prevention equipment.
Making Assumptions About Your Policy
Do you fully understand your homeowners insurance deductible? If not, it's important to get to know how it works and what out-of-pocket costs you'll be responsible for in the event of an incident.
Generally, the higher the dollar amount or percentage deductible, the less you pay in premiums each month. But before you increase or decrease it, make sure you know how various claims would play out.
All homes, even new ones, experience unexpected issues now and again. Fortunately, many are preventable with a bit of know-how.
Life can naturally be unpredictable, and various events may cause your car insurance rates to fluctuate, too. If you'll be making a change in the future, be aware of which common milestones could affect your premium.
Can you reverse a rate increase?
It may not be possible to reverse a rate increase, especially if it was due to an expansion of coverage; however, sharing updates about automatic security features in your car and doing a record review of other drivers on your policy may prevent outdated information from further raising your monthly rate.
Keeping your insurance up to date starts with revising your policy to include major life changes. An annual review of your coverage will help make sure it still corresponds to your family's needs.
Please reach out if you have questions or if you'd like to check in.
Futuristic features aren’t just for luxury vehicles anymore. Many high-tech additions are now offered as standard options in all kinds of cars, which means it’s important to stay on top of these developments and their potential benefits.
Want to know more? Here’s a look at a few top trends.
Though we’re inching toward full automation, for now even the most advanced vehicles still require a driver. Of the partial driving automation systems that do exist, they seem to perform best in bumper-to-bumper traffic where they excel at keeping a safe distance.
A Paper-Free Approach
Many manufacturers are embracing the digital approach and doing away with analog owner’s manuals. Instead of flipping through pages, drivers can check their screen display or the app they’ve downloaded when they have a question about their car’s features.
Nearly all major car manufacturers have announced the release of an alternative fuel vehicle. Some companies, like Volvo, have pledged that all new models will be either completely electric or hybrid.
In addition to being able to sync your vehicle with wearable technology, many of the luxury sedans of 2019 come standard with massaging seats. Many may also have features like aromatic, lighting and audio specifications that shift with your changing mood.
As part of their crash detection features, some cars will now emit a tone that helps cushion the ear canal in the seconds before an impact. Ideally, this will lead to less discomfort and hearing damage after an accident.
Have questions about auto coverage for a new vehicle?
Reach out anytime.
Seguro para carros financiados
Seguro para carros financiados funciona da mesma forma que seguros para carros quitados. Só haverá diferença caso seja necessário receber a indenização em sinistros de perda total.
Há duas maneiras de receber o pagamento integral da indenização quando você tem um seguro de veículo financiado. A primeira funciona assim: você quita o saldo devedor com a financeira ou com a montadora e conclui a dívida. A outra é forma é a seguradora quita o saldo devedor diretamente com a instituição que realizou o financiamento do carro e você recebe a diferença de valores
Understanding the four essential protections provided by your homeowners policy
Homeowners coverage provides financial protection against loss due to disasters, theft and accidents. Most standard policies include four essential types of coverage: Coverage for the structure of your home; Coverage for your personal belongings; Liability protection; Coverage for Additional Living Expenses
Your homeowners policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disasters listed in your policy. Most policies also cover detached structures such as a garage, tool shed or gazebo—generally for about 10 percent of the amount of insurance you have on the structure of the house.
A standard policy will not pay for damage caused by a flood, earthquake or routine wear and tear.
When purchasing coverage for the structure of your home, remember this simple guideline: Purchase enough coverage to rebuild your home.
Your furniture, clothes, sports equipment and other personal items are covered if they are stolen or destroyed by fire, hurricane or other insured disasters. The coverage is generally 50 to 70 percent of the insurance you have on the structure of the house.
Liability covers you against lawsuits for bodily injury or property damage that you or family members cause to other people. It also pays for damage caused by your pets. So, if your son, daughter (or even your dog) accidentally ruins a neighbor’s expensive rug, you are covered. (However, if they destroy your rug, you’re out of luck.)
The liability portion of your policy pays for both the cost of defending you in court and any court awards—up to the limit stated in your policy documents.
Liability limits generally start at about $100,000, however, it’s a good idea to discuss whether you should purchase a higher level of protection with your insurance professional. If you have significant assets and want more coverage than is available under your homeowners policy, consider purchasing an umbrella policy, which provides broader coverage and higher liability limits.
Your policy also provides no-fault medical coverage, so if a friend or neighbor is injured in your home, he or she can simply submit medical bills to your insurance company. This way, expenses can be paid without a liability claim being filed against you. It does not, however, pay the medical bills for your own family or your pet.
Additional living expenses
ALE pays the additional costs of living away from home if you cannot live there due to damage from a an insured disaster. It covers hotel bills, restaurant meals and other costs, over and above your usual living expenses, incurred while your home is being rebuilt.
Keep in mind that the ALE coverage in your homeowners policy has limits—and some policies include a time limitation. However, these limits are separate from the amount available to rebuild or repair your home. Even if you use up your ALE your insurance company will still pay the full cost of rebuilding your home up to the policy limit.
If you rent out part of your house, ALE also covers you for the rent that you would have collected from your tenant if your home had not been destroyed.
2018 hurricane season
(June 1-November 30)
There are a number of disturbances in the Atlantic Ocean currently being tracked by the National Hurricane Center.
Preparation is the key to successfully getting through a severe storm.
It is important to remember that the physical safety of your customers, their families and their pets is paramount and should always be the number one priority. Putting together a storm kit is a great step.
The kit will ideally include:
As storms approach, it is recommended to bring in or secure patio furniture so the risk of damage, to the furniture itself or anything it might be blown into during the storm, is reduced.
Additionally, ensuring each vehicle has a full tank of gas is suggested as lengthy power outages will impact the ability to secure fuel.
Maintaining extra fuel for gas grills or generators is also encouraged, but it is critical to ensure the fuel is kept in an appropriate safety container and is properly stored to minimize the risk of fire.
abc CH11: Steve Stewart
As Hurricane Florence moves closer to the coast, we've been hearing a lot about 'storm surge.'
Large death tolls have resulted from the rise of the ocean associated with many of the major hurricanes that have made landfall. Hurricane Katrina is a prime example of the damage and devastation that can be caused by surge. At least 1,500 people lost their lives during Katrina and many of those deaths occurred as a result of storm surge.
Storm surge is produced by water being pushed toward the shore by the force of the winds moving counter-clockwise around the storm. The maximum potential storm surge for a particular location depends on a number of different factors. Storm surge is a very complex phenomenon because it is sensitive to the slightest changes in storm intensity, forward speed, size, angle of approach to the coast, central pressure and the shape and characteristics of the coastline.
In addition to the power of surge, battering waves on top of the surge can cause significant destruction to structures. Water weighs around 1,700 pounds per cubic yard; extended pounding by waves can demolish any structure not specifically designed to withstand such forces. The two elements work together to increase the impact on land because the surge makes it possible for waves to extend inland.
Formas de Economizar no seu Seguro de Carro
Rental Home Insurance
Rental Condo Insurance
Personal Umbrella Policy
Off Road Vehicles
Motor Home Insurance
Mobile Home Insurance
Travel Trailer Insurance
Boat & Yacht Insurance
Jet Ski Insurance
Apartment Building Insurance
Condo / Condominium HOA Insurance
Lessors Risk Insurance
Commercial Real Estate
Office Building Insurance
Business Owners Policy Insurance (BOP)
Commercial General Liability Insurance (CPP)
Business Auto Insurance
Real Estate E& O
Errors & Omissions Insurance
Term Life Insurance
Universal Life Insurance
Whole Life Insurance
Group Life Insurance
"Key Man/Woman" Insurance
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Chatham, Cotuit, Craigville, Dennis, Eastham, Falmouth, Harwich, Hyannis, Hyannisort, Marstons Mills, Mashpee, Orleans, Osterville, Provincetown,
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