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

October 21

There's a quake every three minutes in California - here's why we still don't buy quake insurance

ORINDA, Calif. (KGO) -- Scientists tell us earthquakes strike every three minutes in California -- though most of them are so weak we can't feel them, enough are so big we can't forget them. So, does living through a quake drive us to buy earthquake insurance? Not so much. The California Earthquake Authority says the vast majority of homeowners opted not to buy an earthquake policy. What's...

October 13

First Steps After a Wildfire

If you, or someone you know has been affected by the recent SoCal fires, please read our First Steps After a Wildfire. We encorage you to visit our website www.uphelp.org throughout the recovery process. This checklist will help keep you on track during this stressful time. We’re rooting for you… Take care of your family’s immediate needs first. Finding temporary housing is a priority. Your...

October 13

2019 Saddleridge and Sandalwood Wildfires - Insurance Claim Help

Through our Roadmap to Recovery program you will find tips, tools and resources relevant to the S addleridge Fire and the Sandalwood Fire. Our main focus is on helping you navigate your insurance claim toward a full, fair and prompt settlement. We also offer guidance on debris removal, temporary living arrangements, government aid, construction issues, hiring professional help , and deciding how...

October 12

Evacuation Tips

If you are told to evacuate immediately, do so. If you think you may have to evacuate, we suggest the following ASAP: 1) Document your home and "stuff". If you do not have a home inventory, create one before you evacuate. Take pictures or a video of each room and the exterior of your house to document your property. If you have the time, open closets and drawers. Build as much of an inventory as...