California · Nonprofit
United Policyholders
United Policyholders (California) receives grants from 44 organizations whose IRS filings report $4,949,367 to it, the largest being CENTER FOR DISASTER PHILANTHROPY INC ($753,140). 20 of them have funded it in more than one year, and 68% of the money arrives through donor-advised or pass-through sponsors rather than from an institution directly.
- Revenue FY2024
- $1.3M
- Funders on record
- 44
- Grants received
- $4.9M
- Net assets
- $1.7M
What United Policyholders does
Mission
United Policyholders (UP) is a 501(c)(3) non-profit organization founded in 1991 that serves as a voice and an information resource for insurance consumers in all 50 states and the District of Columbia. UP guides consumers on shopping for insurance, reducing risk and keeping their assets protected, offers extensive resources related to loss recovery, coverage and the claim process, and is engaged in ongoing advocacy efforts to advance fair insurance practices and uphold policyholders reasonable expectations of coverage.Through a Roadmap to Recovery(R) program, we empower disaster victims, individuals and businesses to successfully navigate the insurance claim and loss recovery process and secure fair, full and prompt payouts and settlements. We do this by creating and disseminating free guidance and tools--including a workshop series, a free online claim guidance library, educational videos, a professional help directory, and volunteers and staff who are experts in personal finance, co
As stated on its FY2024 Form 990.
Programs
ROADMAP TO RECOVERY(R) HIGHLIGHTS 2024 * Empowered over 500,000 disaster victims, individuals and businesses to successfully navigate the insurance claim and loss recovery process and secure fair, full and prompt payouts and settlements.* Presented 50+ Roadmap to Recovery events in California, Colorado, Florida and Hawaii (in-person and online workshops, Q&A forums, Survivor to Survivor support forums and Claim Guidance Office Hours). * Supported households impacted by the following 2024 California wildfires through online and in person resources: Franklin Fire (Los Angeles County), Mountain Fire (Ventura County), Airport Fire (Orange and Riverside Counties), Boyles Fire (Lake County), Bridge Fire (Los Angeles and San Bernardino Counties), and Line Fire (San Bernardino), Borel Fire (Kern County), French Fire (Mariposa County), Hawarden Fire (Riverside County), Lake Fire (San Bernardino County), Nixon Fire (Riverside County), Park Fire (Butte and Tehama Counties), and Thompson Fire (Butte Fire). * Established and maintained 12 dedicated online help libraries for hurricane, flood and wildfire survivors in California, Maine, Texas, Arkansas, Iowa, Kansas, Kentucky, Michigan,…
$765,543 spent45% of program spendingROADMAP TO PREPAREDNESS 2024* Served as expert presenters at 100+ insurance-focused disaster preparedness events throughout the country.* Informed California residents on how to find and maintain insurance on their homes through our Wildfire Risk Reduction and Asset Protection Project (WRAP), outreach and educational activities.* Created a Colorado-specific shopping website that aggregates info and help resources: www.uphelp.org/coinsurancehelp while updating Colorado-specific publications and handouts and delivering a webinar to introduce the new resource.* Translated and distributed insurance and preparedness tips in five languages (Spanish, Vietnamese, Mandarin Chinese, and Tagalog) thanks to a grant from the CA Office of Emergency Services. * Created localized risk reduction help and resource info for all 58 counties in California.
$489,077 spent29% of program spendingADVOCACY AND ACTION HIGHLIGHTS 2024 * Continued gathering data, raising awareness about and proposing solutions to a growing affordability and availability crisis related to home, auto and commercial property insurance that is impacting residents of Florida, Louisiana, California, Colorado, New York, and a growing number of other states.* Addressed public officials, realtors, insurance industry and legal professionals at numerous conferences on the negative impacts that climate change, technology and inflation are having on insurance consumers.* Testified at California, Colorado and Oregon legislative hearings, submitted comments on legislative proposals in Florida, Utah, California, Colorado, Louisiana, engaged in numerous conversations with elected officials and their staff members on matters impacting insurance consumers and solutions to patterns of problems that are manifesting. 40+ appearances before government and lawmaking bodies.* Attended meetings of the National Association of Insurance Commissioners (NAIC) in our capacity as an official consumer representative. Briefed state insurance regulators and their staff members on challenges that insurance consumers are…
$239,534 spent14% of program spendingProgram Expenses not allocated to a particular program.
$200,914 spent12% of program spending
The 4 programs described on its FY2024 Form 990, listed largest first by expense. Program spending in total: $1,695,068.
The organization over time
Each line starts at 100 in 2017, so what you read is the shape rather than the size: 150 means half as much again as 2017, 50 means half. The number beside each label in the key is where it ended. The shaded band is where the middle 50% of its peers' revenue would sit, given their growth.
Balance sheet
Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2021 to 2022, from $1.2M to $2.7M (+127%).
How it's funded, over time
Each bar is one year's revenue split into where it came from, and every bar is the same height — these are shares, not amounts, so a year that raised twice as much looks the same size. Hover a bar for the split.
Government-grant reliance: 2019 3% · 2020 5% · 2021 13% · 2022 3% · 2023 13% · 2024 20%. Grants only. Government contracts and fees sit inside program revenue.
96% of United Policyholders’s revenue is contributions — more reliant on donations than three-quarters of its peers (72% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 3 of the last 8 reported years ran a deficit.
reserve
Leadership and staff
The officers, directors, trustees and key employees listed on each return. Joined and no longer listed compare each filing with the year before, matching people by surname and first initial; a year after a gap, or a roster under three people, has no comparison.
Chief executive
Amy Bach
Exec Director
As listed on its FY2024 Form 990.
Who funds it, year by year
2017 → 2023: the base broadened from 4 funders to 7 funders, grant income rose $101k → $345k.
22 of 44 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 68% of grant dollars received. That money is really individual donors directing a sponsor; the institutions to cultivate are the non-DAF funders.
From the IRS filings of United Policyholders’s funders (the co-funder graph). Top 30 of 44 funders by total. Association, not causation. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How concentrated its funding is
United Policyholders has a broad base — no single funder exceeds 15% of grant income, and it takes 6 funders to reach half.
the vertical line marks half of all grant income — 6 funders to its left
93% of the income these shares are computed over arrives through pass-through sponsors or from payers whose filings do not say what kind of payment it is. Concentration is still measured over all of it, because the money is real; what it does not support is a claim about how many institutions have chosen to fund United Policyholders.
Largest funder’s share by year: 2017 67% · 2018 28% · 2019 23% · 2020 24% · 2021 46% · 2022 52% · 2023 72% — growing more concentrated.
“Effective funders” = inverse Herfindahl index (1 / Σ shareᵢ²) — the number of equal-sized funders that would give the same concentration. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How long its funders stay
37% of United Policyholders's funders are still giving 3 years after their first grant; 45% give in more than one year at all.
Share of funders still giving k years after their first recorded grant, pooled across every acquisition cohort. A funder counts as retained in a year only if it made a grant that year. Measured to FY2023, the last fiscal year that has finished arriving — a funder cannot be counted as lapsed in a year most filers have not reached.
Where its funders are
68% of United Policyholders's grant income arrives through donor-advised or pass-through sponsors, whose addresses record where the money is held rather than where the donor is. Of the $1.6M that is directly attributable, 65% of it comes from funders outside California, across 8 states.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $3.4M arriving through sponsors registered in 10 states is excluded from the map and the split above: a sponsor holds money on a donor’s behalf, so its registered address would place those dollars somewhere no donor need ever have been. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
Against its field
United Policyholders holds deeper cash reserves than three-quarters of the 611 unclassified nonprofits its size.
this organization peer median middle 50% of peers· 611 unclassified nonprofits $1M–$10M, FY2024
Organizations like United Policyholders
Organizations whose mission and program text most resemble this one, by semantic similarity over every organization in the US filings — the closest peers, and often the clearest route to shared or prospective funders.
In California
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
86% of spending goes to programs.
Governance
Public support
99%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Footprint & structure
Files a return copy in 1 state
Screen this organization
A dated, signed PDF of the compliance screen for United Policyholders: IRS status (Business Master File, Publication 78, auto-revocation), the OFAC sanctions lists, the Internal Revenue Bulletin, and California registration, with the Rev. Proc. 2018-32 §8.01 reliance elements stated element by element. Generated from the current files at the moment you download it.
Screens are triage, not determinations; a source that cannot be read reports not screened, never clear. Screen this nonprofit · How the screen works · on the API as GET /api/screening/{ein}?format=pdf
Questions and answers
- Who funds United Policyholders?
- United Policyholders (California) receives grants from 44 organizations whose IRS filings report $4,949,367 to it, the largest being CENTER FOR DISASTER PHILANTHROPY INC ($753,140). 20 of them have funded it in more than one year, and 68% of the money arrives through donor-advised or pass-through sponsors rather than from an institution directly.
- How many funders does United Policyholders have?
- IRS filings report 44 organizations giving $4,949,367 in grants to United Policyholders, 20 of which have funded it in more than one year.
- Who is the largest funder of United Policyholders?
- CENTER FOR DISASTER PHILANTHROPY INC is the largest funder on record, with $753,140 in grants. The full list of funders is on this page.
- How can an organization like United Policyholders find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in California. The funding by cause and by state pages list the largest funders for a given area and how to approach them.
Play a game about who funds United Policyholders →
These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2024 (financials across 2017–2024), and the filings of 44 funders that report grants to it. “On record” means captured in the filings we have parsed — a funder that does not e-file, or whose grant detail is not itemized, will not appear. Filings run roughly 12–24 months behind. Trends on this page end at FY2023, the last fiscal year that has finished arriving; later years are shown and marked, and move no figure. Data on this page was exported October 14, 2026. What this page cannot tell you · view filing