United Policyholders | Empowering the insured.

United Policyholders (UP) is a non-profit 501(c)(3) whose mission is to be a trustworthy and useful information resource and a respected voice for consumers of all types of insurance in all 50 states. We don't take money from insurance companies. We give you the straight scoop. Guide you on buying insurance and navigating claims. Fight for your rights.

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Latest News

December 2

Insurance commissioner orders changes to FAIR Plan

Plumas County homeowners may soon get some much needed home insurance relief. The Fair Access to Insurance Requirements (FAIR) Plan, which is referred to as the home insurance plan of last resort, is quickly becoming the only resort for many California homeowners due to devastating wildfires statewide. This plan costs significantly more than a traditional plan and only covers fire damage...

November 21

Flood Insurance Problems that Bedeviled Sandy Homeowners Still Remain: Who Will Fix Them?

Menendez legislation that would reform federal program may be voted on this week, but it faces uphill battle When Superstorm Sandy came ashore near Denise Vaccaro’s bayfront home in the Ocean County community of Forked River back in October of 2012, it was just the start of her problems. The damage was so extensive that her house was condemned, but her flood insurance company offered her just $29...

November 18

NEW extended deadline: December 31. How to apply for compensation for uninsured wildfire losses from the PG&E fund

If you were affected by the recent (2015, 2017, 2018) Northern California Wildfires you have until 5pm on Monday, October 21st, 2019 December 31, 2019 (deadline extended!) to file a claim form to potentially recieve compensation from PG&E for your uninsured losses. We encourage you to watch the webinar below on how and why to submit a claim. Here are a few Frequently Asked Questions: Q: PG...

November 16

Kincade fire survivors gather for updates, resources at Alexander Valley Community Center

When the more than 200 Kincade fire survivors who gathered Saturday morning at the Alexander Valley Community Center in Geyserville heard a firefighter introduce himself, they filled the hall with applause. More than half of them had structures burned in the fire. Some lost entire crops to the 77,758-acre fire, Sonoma County’s largest. Others lost everything. Their pain, at least for the moment,...