Universal Property Insurance Review & Ratings (2023)

If you are searching for homeowners insurance, you may be interested in a company like Universal Property & Casualty Insurance Company.

Universal Property and Casualty is a Florida-based insurance company that offers homeowners and other types of property and casualty coverage to residents of nine different states in the U.S.

As you search for homeowners or renters insurance, it’s a good idea to shop around online to find affordable coverage that meets your needs and fits your budget.

One of the best ways to find reasonable coverage options is to review free insurance quotes online. This will allow you to see and compare rates from multiple companies to figure out which might work best for you.

It’s always a good idea to do your research before committing to an insurance policy.

In fact, you can use our free quote tool above to find and compare homeowners insurance from top companies in your area and see how much you could save on your coverage.

What products does Universal Property and Casualty offer?

The Universal Property & Casualty Insurance Company (UPCIC) is most well-known for its homeowners insurance.

UPCIC policies are sold through independent agents, and the company offers insurance coverage in Florida, Delaware, North Carolina, South Carolina, Hawaii, Georgia, Indiana, Maryland, and Massachusetts.

If you live in one of the states above, it’s a good idea to familiarize yourself with your state’s requirements and options when it comes to homeowners insurance.

For example, if you live in South Carolina, review the stipulations and regulations for South Carolina homeowners insurance before looking into any specific company.

Universal Property and Casualty offers homeowners insurance with flexible policies that work for individual homes and families.

The company’s homeowners policies cover the replacement cost for a home, coverage for other structures on a person’s property, and plenty of additional coverage options.

UPCIC policies also include liability insurance to protect policyholders from lawsuits.

Some of Universal Property and Casualty’s options for add-ons when it comes to homeowners insurance include:

• Personal property replacement cost
• Limited water and sewer back-up and sump discharge or overflow
• Limited animal liability
• Utility service line
• Scheduled jewelry or other personal property
• Mechanical breakdown
• Personal injury
• Debris removal
• Loss assessment
• Higher personal liability limits
• Ordinance or law

The company also offers a number of discounts on monthly rates for homeowners insurance.

UPCIC’s discount options include:

• Prior insurance discount
• Claims free discount
• Loyalty discount
• New roof discount
• Burglar and fire alarm discount
• Sprinkler system discount
• Auto companion discount
• Windstorm protective devices discount
• Fortified for safer living discount
• Occupants over the age of 65 discount

In addition to homeowners insurance, Universal Property and Casualty offers additional coverage for other types of property and casualty insurance needs.

Can I get renters insurance with UPCIC?

Universal Property & Casualty Insurance Company offers condominium, renters, and landlords coverage to its policyholders.

All of these coverages feature add-on options just like the homeowners insurance, and both condominium and renters insurance allow for discounts as well.

How much is insurance with Universal Property and Casualty?

Universal Property and Casualty has sample rates available on the Florida Office of Insurance Regulation website.

While these rates are helpful to see, they vary greatly depending on the location a person chooses within the state of Florida. For example, a $150,000 home can have annual homeowners insurance rates as low as $1,100 or as high as $10,450.

It’s a great idea to look and see how insurance rates vary to get a better idea of how much you might pay. But since all the information available is based in the state of Florida, this still offers a fairly small scope.

UPCIC also offers online quotes both on the company website and through Universal Property and Casualty insurance agents. As you get quotes from UPCIC, keep in mind that rates will likely be higher than average because it is a smaller company.

Is it easy to file a claim with Universal Property and Casualty?

UPCIC allows policyholders to make claims 24 hours a day, seven days a week. If you need to file a claim, you can do so over the phone or on the company’s website.

Should you choose to file a claim online, all you need to do is use your Universal Property and Casualty login to access your specific policy with UPCIC.

Once you’ve accessed your personal information on the company’s website, you can file a claim and check the status of a claim easily and quickly. If you notice you need help online, or if you have questions, you can call and speak to a UPCIC representative.

Does UPCIC have good ratings?

UPCIC has an A+ rating with the Better Business Bureau and has been accredited with the company since 2016.

Universal Property and Casualty has had 218 complaints filed against it in the last three years, and 106 complaints have been closed in the past 12 months.

The Insurance Journal states that Universal Property and Casualty was fined $1.26 million by the state of Florida in 2014 following certain unwarranted claims insurance and underwriting practices.

Should I buy coverage with Universal Property and Casualty?

If you are looking for homeowners insurance or other property and casualty coverage, and if you live in one of the states UPCIC operates in, you may consider looking into purchasing an insurance policy with the company.

But you should be sure to check out other options before you make any final decisions.

Compare quotes with other P&C insurance companies to see which offers the best rates, and do some digging to learn more about different companies and their ratings and reviews.

You can use our free tool below to compare property and casualty insurance rates with top companies in your area to see which companies can offer you the best coverage at the best rates.