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

February 21

Legislation Designed To Forge Community, Insurance Partnership

Assemblywoman Lorena Gonzalez (D-San Diego), Assemblywoman Monique Limón (D-Santa Barbara), Insurance Commissioner Ricardo Lara, and United Policyholders on Tuesday introduced legislation to give insurance companies a greater role in protecting communities from devastating wildfires. Renew California (AB 2367) would require insurance companies to write or renew policies for existing homes in...

February 21

California Insurance Commissioner Says Renew California Bill Would Create an Insurance Guarantee to Harden Homes Against Wildfire

Requiring insurance companies to write and renew homeowner insurance policies for hardened homes and communities that meet statewide standard February 19, 2020 - SACRAMENTO, Calif. — Yesterday, Assemblywoman Lorena Gonzalez (D-San Diego), Assemblywoman Monique Limón (D-Santa Barbara), Insurance Commissioner Ricardo Lara, and United Policyholders introduced legislation to give insurance companies...

February 21

What's a wildfire score? Do you know yours?

SAN FRANCISCO (KGO) -- Recent firestorms have increased the profile of wildfire modeling companies, firms that rate homes by their likelihood to burn. Most California homes have a wildfire score, but about the only homeowners who know they have one are those who have been denied insurance coverage, at least in part, because they got a high score. One of the best known scores is Verisk Analytics'...

February 20

'Renew California' bill seeks to ease wildfire-fueled homeowners insurance crisis

Insurance companies have been dropping coverage for homeowners living in fire-prone areas, leaving them unprotected at best and unable to keep their homes at worst. SACRAMENTO, Calif. — A wildfire-related crisis facing counties all over the state could have one solution in sight. As the risk of destructive wildfire grows, tens of thousands of California homeowners are finding insurance companies...