Universal Property & Casualty Insurance Company Review

Financial Rating
A
NAIC
10861
NAIC Group
Universal Insurance Holding Group
Address
1110 W. Commercial Blvd, Suite 100, Fort Lauderdale, FL 33309
Service Phone Number
Claims Phone Number
Jurisdictions
AL, DE, FL, GA, HI, IA, IL, IN, MA, MD, MI, MN, NC, NH, NJ, NY, PA, SC, VA
Financial Summary Table

Universal P&C Insurance Company at a Glance

Universal P&C Insurance Co., also called Universal Property & Casualty Insurance Company, is a major homeowners insurance company in Florida. P&C insurance is coverage that can help financially protect you, your family, and your property. 

Universal P&C Insurance has received an exceptionally high amount of complaints despite its financial security rating of A from Demotech and its 3.5-star rating from 1,651 Google reviews.

What Type of Insurance Does Universal P&C Insurance Company Offer?

The insurer provides homeowners insurance, condo insurance, and renters insurance in Florida and 17 other states.

What to Know about Universal P&C Insurance Company

Universal P&C has a bad reputation when it comes to customer reviews. On each customer review site, there are plenty of poor, 1-star reviews by dissatisfied customers, notably more than other homeowners insurance providers in Florida. 

What Discounts Does Universal P&C Insurance Company Offer?

The Universal P&C Insurance Company only offers numerous discounts you may be eligible for when purchasing property insurance. These discounts you may be eligible for include: prior insurance discount, new roof discount, loyalty discount, sprinkler system discount, and occupants over the age of 65 discount. The exact discounts may not be available to you depending on your desired coverage or where you live.

Universal P&C Insurance Company Customer Service

Universal P&C does not have a 24/7 customer service hotline. There is also no online quote tool, which makes the process of getting coverage and filing claims difficult.

Frequently Asked Questions

What is Universal P&C Insurance Company's average claim response time frame?

Home insurance claims typically take anywhere from a few weeks to even months to be accepted. Since Universal P&C has received many customer reviews that cite delayed claim resolutions, policyholders may need to expect their claim response time to be on the longer end of this estimate.

What is Universal P&C Insurance Company's claims process?

There is no 24/7 claims hotline, but an insurance claim can be filed online by policyholders and the claim status. After that, a claims professional/adjuster will be assigned to handle the claim, which would include assessing the property involved in the claim. The claims department is reachable by phone at 800.470.0599.

The P&C claims process will require you to know your insurance policy number, date of the incident, type of claim (water, wind, fire, or another type), as well as a description of the damage and supporting photos/documents.

Does Universal P&C Insurance Company have good homeowners insurance?

Universal P&C offers all of the industry-standard coverage in the basic policy, as well as ordinance coverage, which many insurers only offer as an add-on. 

Due to the vast number of complaints from customers that cite issues with Universal P&C Insurance Company, their homeowners insurance may not be the best option for you, unless you have an interest in getting ordinance coverage. 

What is Universal P&C Insurance Company's customer service availability?

Because there is no 24/7 phone customer service, the company’s customer service is relatively lacking compared to other property insurance companies in Florida. The customer service is reachable by phone at 800.425.9113 and via email at customerservice@universalproperty.com.

Does Universal P&C Insurance Company create a user-friendly experience for customers?

Universal P&C Insurance has received a significantly high amount of negative reviews from its customers. With a lack of an online quote tool, few discounts, and poor BBB rating, Universal P&C Insurance appears to struggle with providing a user-friendly customer experience. 

Is Universal P&C Insurance Company a good insurance company?

Better Business Bureau (BBB) reviews and other online reviews often cite difficulty contacting customer service and poor experiences. It appears that with Universal P&C Insurance policies and insurance adjusters, your mileage may vary considerably, since there are good reviews citing speedy claims as well. 

While the company has good financial security and offers a wide array of coverage options, it is difficult to get a quote from them due to a lack of an online quote tool. The team of insurance advisors at Worth Insurance can help you get quick, competitive quotes online and make the entire insurance shopping process easy and painless.