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

September 11

After wildfires, hundreds of thousands of Californians can't get insurance

Dave DuPell is a long-time homeowner in Grass Valley, California, which is located near the site of the devastating "Camp Fire" in November that killed 86 people and incinerated 18,000 homes and businesses. Now he – and hundreds of thousands of other residents – are confronting another dilemma: No homeowners' insurance. "Our insurance companies are saying, 'We're done with you!'" he said. Like...

September 9

To Bundle or Not to Bundle Insurance: A Few Things to Consider

It seems like a slam dunk. Taking out policies on your home, car, motorcycle and boat with one company, or “bundling” is the topic of many a TV commercial. You can simplify your life and get big discounts, according to the ads. Aside from savings, getting everything on one bill is an enticing reason to bundle. “In today's world where companies are striving to be ‘paper free’ and push people into...

September 9

California lawmakers approve bill fueled by homeowner insurance adjuster errors in fires’ wake

Consumer advocates and state Insurance Commissioner Ricardo Lara hailed the approval of a bill by state Sen. Bill Dodd aimed at mistakes and delays in handling homeowner insurance claims in the wake of the 2017 wildfires. The bill, SB 240, came in response to testimony at hearings last year that claims were mishandled and stalled due in part to out-of-state insurance claims adjusters providing...

September 9

After the Hurricane, Dealing With Insurance Claims

As Hurricane Dorian churned north this week, residents along the Atlantic coast were preparing to assess the possible damage to their homes, and to determine what their insurance policies will cover. Homeowners whose properties were affected by the storm should act as quickly as feasible to take stock of the extent and likely cause of any harm, said Amy Bach, the executive director of United...