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

August 13

5 things to do if you've been dropped by your home insurer

The value of home insurance cannot be understated. For most people, a home is their single biggest investment or asset. Nearly everything one owns — clothes, electronics, important documents and much more — dwells inside the home, and home insurance provides a way to safeguard them from a worst-case scenario. Climate change is also elevating the need for home insurance, as more areas around the...

August 12

Residents still trying to understand Camp Fire contamination at standing homes

PARADISE — A stale chemical smell hangs in Lisa Kasza’s garage in lower Paradise. Piles of toys, books and other possessions covered in a thin layer of dust wait to be thrown out. Nine months ago, the Camp Fire burned all the trees, bushes and grasses right up to her home, melted her sprinklers and outdoor water pipes, shattered a couple windows and sent char onto the carpet and wood floors and...

July 29

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...

July 26

Homeowner insurance dilemma may turn into a full blown crisis

SANTA ROSA, CA - Consumer advocates say a homeowners insurance crunch may soon become a homeowners insurance crisis as customers face huge rate increases or out-and-out cancellations. Experts say the major reasons homeowner policies get giant rate hikes or out-and-out cancellations is that their homes are too close to wild land brush and trees, or too far away from a fire station, or both. Since...