Universal Property & Casualty Insurance Company Reviews 2026
Is it the right home insurance in Florida?
Pros and Cons
Pros
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24/7 customer service -
Excellence rating by A.M Best and BBB
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Specializes in providing homeowners insurance
Cons
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Online quoting system not available -
Not many discounts
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Limited availability
| Alabama | Michigan |
| Delaware | Minnesota |
| Florida | New Hampshire |
| Georgia | New Jersey |
| Hawaii | New York |
| Illinois | North Carolina |
| Indiana | Pennsylvania |
| Maryland | South Carolina |
| Massachusetts | Virginia |
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| Homeowners/Condominiums | Renters | Landlords |
|---|---|---|
| Personal Property Replacement Cost | Personal Property Replacement Cost | Premises Liability |
| Limited Water and Sewer Back-up and Sump Discharge or Overflow | Limited Animal Liability | Extended Coverage – Available under the DP1 Only |
| Limited Animal Liability | Scheduled Jewelry or Other Personal Property | Vandalism and Malicious Mischief |
| Utility Service Line | Personal Injury | - |
| Scheduled Jewelry or Other Personal Property | Higher Personal Liability limits | - |
| Mechanical Breakdown | Limited Water and Sewer Back-up and Sump Discharge or Overflow | - |
| Personal Injury | - | - |
| Debris Removal | - | - |
| Loss Assessment | - | - |
| Higher Personal Liability limits | - | - |
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Sample of Customer Reviews
4
Reviews
As a young adult I would never insure my new home with any other company! Great customer service and guidance towards the best option for me. My parents recommended after their 15-year relationship with them, and I shall refer my kids when its their time! Most companies are only interested in dollar signs but Universal has set the standards for truly caring for their clients for the long term. Thank you for the help team.
I called Universal and had a few questions about my policy coverages, amendments to my policy and payment information. I spoke to Derwin McCarthy, and he was able to answer all of my questions about coverages and changes to my policy, payment options, and some questions about flooding scenarios. Great agent, very personable, and professional!
Universal Property is reliable, dependable, and easy to work with. From the beginning, it has offered consistently comprehensive property insurance at reasonable prices. It offers good discounts for wind mitigation measures which is important in a hurricane-prone state.
My home suffered damage to the AC unit due to Hurricane Ian. I filed a claim on 10/03/2022 as soon as I could. I tracked my claim online as it went through each step. It went from ‘Received’ to ‘Assigned’ and I still hadn’t received any communication from anyone yet. Not via mail, email, or phone. I assumed they were probably just busy handling a bunch of other claims from the Hurricane.
| Rating Agency | Ratings | Remarks |
|---|---|---|
| A.M Best | A | The company has strong financial position and its capacity to fulfill its policyholders' claims and obligations |
| Demotech | A | This recognition further reinforces the company's standing as a reliable and financially sound insurer. |
| BBB | A+ | Indicates a high level of customer satisfaction and a positive track record in addressing customer concerns. |
Frequently Asked Questions
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Is Universal Property and Casualty insurance a good company?
Yes, Universal Property and Casualty Insurance Company is considered a reputable and reliable insurance company. It holds an “A” rating from A.M. Best, which indicates its strong financial stability and ability to meet policyholders’ claims and obligations. The company is also accredited by the Better Business Bureau (BBB) with an “A+” rating, reflecting its commitment to maintaining ethical business practices and delivering excellent service to customers.
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Who owns Universal property & casualty insurance company?
Universal Property & Casualty Insurance Company operates as a subsidiary of Universal Insurance Holdings, a publicly traded corporation.
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How long has Universal property and casualty been in business?
Universal Property & Casualty Insurance Company (UPCIC) has been in business since 1997. It was founded in Florida and has since expanded its coverage to 19 states.
Carlos Ramirez is a licensed insurance agent with 12 years of experience helping clients protect their homes, vehicles, and businesses. Based in Colorado and licensed in 30+ states, he makes insurance simple and practical. His writing draws from real experience to help readers make clear, confident coverage decisions.
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