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Universal Property and Casualty started in one of the hardest home insurance markets: Florida. Since their founding in 1997, they have grown to be Florida’s #1 home insurance carrier by premiums written, and have now expanded into 17 other states. They offer homeowners, condo, renters, and landlord policies, often at very competitive rates. Let’s break down how their home insurance offering compares to the rest of the industry.

Here’s everything you need to know about Universal Property and Casualty insurance:

What’s protected with University Property and Casualty insurance?

Universal Property and Casualty’s policies follow the ISO standard forms, which are the same forms used by most of the industry. UP&C also offers most of the optional add-ons, including water backup, mold coverage, and scheduled jewelry coverage.

They cover homes with replacement values up to $1,000,000, and will often offer coverage on many hard-to-insure homes that other carriers will simply deny coverage for. Many standard homeowners carriers will avoid flat roofs, lapses in coverage, certain dog breeds, coastal exposure, etc. UP&C relies on its pricing and extensive reinsurance relationships to competitively rate a broad spectrum of property.


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How much does Universal Property and Casualty insurance cost?

Universal Property and Casualty is one of the most competitively priced homeowners carriers, especially in coastal regions. At times, we see them as the best-priced carrier. They offer discounts for security and fire alarms, having prior insurance, updates to the property, and having no losses in the last three years.

Universal Property and Casualty details and reviews

Universal P&C is rated A by Demotech, and has a very sophisticated reinsurance program in place with over 50 highly rated partners. This means in catastrophic loss scenarios (such as Hurricane Irma), UP&C taps these partners to fund excess losses if needed.

Universal Property and Casualty is a branch of Universal Insurance Holding Company of Florida, which is wholly owned by Universal Holdings, Inc.

Filing a claim with Universal Property and Casualty

Policyholders can file a claim:

  • Online via the UP&C website
  • Over the phone: 800-425-9113

They offer 24/7 claims support and have experience scaling up their operations during times of natural disaster. In the event of a loss, customers should take photographs, do the minimal amount necessary to prevent further damage, and save any relevant receipts.

Universal Property and Casualty has paid out a lot of claims in Florida, so it’s safe to say they have experience in handling property insurance claims.

Where is Universal Property and Casualty available?

Universal Property and Casualty offers home insurance in Florida, Georgia, Alabama, South Carolina, North Carolina, Maryland, Virginia, Pennsylvania, New York, New Jersey, Delaware, Massachusetts, New Hampshire, Michigan, Illinois, Indiana, and Minnesota.

Final thoughts

Universal Property and Casualty’s reviews have been improving, and they currently sit at 3.6/5 stars on Google with over 800 reviews. A newly implemented customer service process is likely to help their customer reviews improve as they grow and start scaling across different geographies.

In summary, Universal Property and Casualty tends to compete when homes are hard to protect and often are very competitive on price. Their claims processing has some mixed reviews, but they offer industry-standard coverages on home, condo, dwelling, and renters insurance.

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About the author
Credible Staff
Credible Staff

The goal of the Credible editorial writers and staff is to help our readers get up to speed on issues surrounding student loans, mortgage, and personal finance, so you can make informed decisions. We’re here to help you stay on top of the latest news, trends, concepts, and changes in policy and regulations.

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