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

May 24

Camp Fire (Paradise) - Insurance Claim Help

If your property has been damaged or destroyed, we are here to help. Please take our short, confidential survey on your insurance status 6 months post-fire. The information we gather through your responses will help us continue providing services to Camp Fire impacted households. In this library and through our Roadmap to Recovery program, you can access guidance and information on navigating...

May 20

Full and fair insurance payouts foster safe and sound construction

As anyone who has been involved in a major construction project will tell you, construction supervision is critical. Contractor overhead and profit is what pays for that supervision, and it is a necessary expense of any project that involves multiple trades that have to be coordinated. This expense is generally referred to as "O & P". Yes, some insurers looking for ways to reduce claim costs...

May 20

Can Technology Disrupt The Consumer Insurance Market?

In the late 1980s – before there was a Web – I had the privilege of working for the late great attorney Gene Anderson, hero of corporate policyholders, scourge of insurance companies. I was his ghostwriter – on legal briefs, articles, and the occasional speech – but the real action took place in a suite high above our offices on Madison Avenue. It was there that Gene had gathered a small army of...

May 15

2017 North Bay Fires - Insurance Claim Help

On this website and through the Roadmap to Recovery program you will find tips, tools and resources relevant to the 2017 North Bay wildfires. Our main focus is on helping you navigate your insurance claim toward full, fair and prompt payouts of all benefits owed under your home insurance. We also offer guidance on debris removal, temporary living arrangements, government aid, construction issues...