Universal Property & Casualty Insurance Company Review

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Written by
Darren Craft

Universal Property & Casualty Insurance Company (Universal P&C) stands out as Florida's leading homeowners insurance provider. With over two decades of service, it caters to over 800,000 policyholders, offering robust financial stability and a diverse range of insurance policies. This company is your go-to for comprehensive coverage options, from standard homeowners policies to condo, renters, and landlord insurance. Its A-rated financial stability by Demotech signifies a reliable partner in safeguarding your home against unforeseen events.

Financial Rating
NAIC Group
Universal Insurance Holding Group
1110 W. Commercial Blvd, Suite 100, Fort Lauderdale, FL 33309
Service Phone Number
Claims Phone Number
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Universal Property & Casualty Overview

Universal P&C is dedicated to serving Floridian homeowners, understanding the unique challenges they face due to weather-related risks. By working through independent agents, it matches your specific needs with suitable coverage, ensuring peace of mind. Whether it's storm damage or other risks, Universal P&C aims to provide effective protection for your biggest asset.

  • Coverage Types: Homeowners, condo, renters, landlord insurance
  • Discounts Offered: Safety feature discounts (e.g., burglar and fire alarms), loyalty discounts
  • Claims Process: Options for filing claims online or over the phone
  • Financial Stability: A, Exceptional rating from Demotech

Choosing the right insurance provider is crucial for your home's safety and your financial well-being. Universal P&C's extensive experience and commitment to Florida homeowners make it a compelling option. However, it's essential to consider all aspects, including customer service experiences. If Universal P&C meets your needs, don't hesitate to fill out our contact form. Let us guide you towards making an informed decision, ensuring your home is protected with the right coverage.

Universal P&C Insurance Company Products and Packages

When you're eyeing insurance in Florida, Universal P&C Insurance Company's offerings are tailored to meet the diverse needs of homeowners. They understand the essence of having flexible options to protect your property against the unpredictable. With their range of products, you're not just buying insurance; you're securing peace of mind.

The company's product range spans across various types of properties and needs. Whether you own a home, rent an apartment, or have a rental property for income, Universal P&C's policies are designed to shield you from financial loss due to damage or liability.

Homeowners Insurance

Your home is likely your most valuable asset, and Universal P&C recognises that. Their homeowners insurance goes beyond the structure itself, covering your belongings, liability risks, and even living expenses if your home is temporarily uninhabitable. Tailored options allow you to choose coverage levels that are just right for you.

Condo Insurance

Owning a condo comes with unique insurance needs. Universal P&C's condo insurance covers your personal property and the interior of your unit. Importantly, it fills in gaps left by your condo association's policy, providing coverage for improvements, alterations, and your personal liability.

Renters Insurance

As a renter, your landlord's insurance won't cover your personal belongings. Universal P&C's renters insurance is a smart choice to protect your furniture, electronics, and other valuables from theft or damage. It also offers liability coverage, which can be crucial if someone is injured in your rented space.

Landlord Insurance

If you're a landlord, protecting your investment property is critical. Universal P&C's landlord insurance provides protection for your rental buildings, loss of income due to uninhabitable property conditions, and liability in case of injuries on your property. It's a comprehensive solution that looks after your property and your financial well-being.

Universal P&C Insurance Company Premiums

Navigating insurance premiums can be tricky, but Universal P&C Insurance Company aims to simplify it for you. Their premiums are structured to reflect the real value of your home and the level of coverage you select. With transparency in pricing, you're sure to find a policy that fits your budget and offers solid protection.

Understand that premiums vary based on factors like your home's location, age, and safety features. Universal P&C provides discounts that can significantly reduce your costs. It's about finding a balance between adequate coverage and affordability, ensuring you're neither over nor underinsured.

  • Competitive premium rates tailored to Florida's unique housing market
  • Discounts available for safety features, such as burglar alarms and sprinkler systems
  • A range of coverage options to suit different budgets and needs

Ready to get a clearer picture of your insurance costs? Fill out our contact form. We'll help you sift through the details, ensuring you get a premium you're comfortable with, for coverage that's right for your home.

Financial Summary

  • Reporting Period: As of 31/03/2022
  • Net Admitted Assets: £54,499,319, showing substantial company resources
  • Policyholders Surplus: £18,464,721, indicating a solid cushion for claim payouts
  • Gross Premiums Written: £15,318,561, representing the total premium revenue before reinsurance costs
  • Net Premiums Written: £15,101,741, reflecting premiums retained after reinsurance expenses
  • Financial Rating: "A" Exceptional by Demotech, affirming strong financial stability
  • Market Presence: Over two decades of insurance provision in Florida, building trust and expertise

Discounts and Offers

Saving money on your insurance premiums is key, and Universal P&C Insurance Company recognises this. They offer a range of discounts that could lower your payments. These discounts are designed to reward you for making safety a priority and for your loyalty to the company.

  • Prior insurance discount for continuous coverage
  • New roof discount for updated roofing materials
  • Loyalty discount rewarding long-term policyholders
  • Sprinkler system discount for installed automatic sprinklers
  • Discounts for seniors over the age of 65

Customer Service

At Universal P&C Insurance Company, customer service is a cornerstone of their commitment to you. For inquiries or claims, their team is reachable during business hours to offer assistance. For personalized service and to discuss how Universal P&C can meet your needs, Worth Insurance is also here to guide you.

  • Contact Universal P&C Insurance:some text
    • Service Phone Number: 800-425-9113
    • Claims Phone Number: 800-470-0599
    • Website: universalproperty.com
  • Contact Worth Insurance for a tailored consultation:some text
    • Phone: 561-463-5814
    • Email: service@worthinsurance.com
    • Fill out our contact form for a detailed discussion on your insurance options.

Should you need to reach out for support or to discuss your insurance options further, please don’t hesitate to use the above details or fill out our contact form for a swift and helpful response.

Eligibility & Underwriting Requirements

To ensure a smooth process when applying for insurance with Universal P&C, there are certain prerequisites and requirements you'll need to meet. These are in place to accurately gauge the coverage needed for your property and provide you with the best possible quote.

  • Proof of ownership or rental agreement for your property
  • Details of your property's construction, including the year it was built and materials used
  • A list of safety installations, such as alarms and sprinklers, for possible discounts
  • Previous insurance history to qualify for loyalty or prior insurance discounts

Documents Required

Getting your insurance policy set up correctly requires certain documentation. These documents help Universal P&C to understand your circumstances and to tailor your insurance policy accordingly.

  • Property deed or rental agreement to establish ownership or residency
  • Recent home inspection report, if available
  • Details of any recent renovations or improvements
  • Inventory of personal possessions for personal property coverage

Application Process

The application process with Universal P&C is designed to be straightforward and hassle-free. Initially, you'll provide details about your property and coverage needs. This is a critical step to ensure that your policy is accurately aligned with your specific requirements, providing comprehensive protection for your home.

After the initial details, you can proceed to apply online through Worth Insurance. Here, you can complete your application at your convenience. With a user-friendly interface and clear instructions, you'll be guided through each step. If questions arise, help is just a click away. Once you submit, you'll soon get a detailed quote tailored just for you.

How to Make a Payment

Making a payment to Universal P&C is a straightforward process, designed to be quick and secure, ensuring your coverage continues without interruption. It’s important to stay up-to-date with your payments to maintain your insurance protections, which Universal P&C has made convenient through multiple payment methods.

To simplify things further, here's a step-by-step guide to making a payment:

  1. Log in to your Universal P&C online account or create one if you haven't already.
  2. Go to the 'Payments' section to view your due premiums.
  3. Choose your payment method: direct debit, credit card, or check.
  4. Enter your payment details securely.
  5. Review your payment to ensure all details are correct.
  6. Confirm and submit your payment. You will receive a confirmation for your records.

How to File a Claim

Filing a claim with Universal P&C Insurance Company is a critical step in getting you the support and financial assistance you need after an unexpected event. The company has streamlined this process to be as stress-free as possible, ensuring you can focus on what matters most—your recovery and peace of mind.

Should you need to file a claim, Universal P&C's procedure is designed for efficiency and clarity:

  1. Contact Universal P&C immediately after the incident to report your claim. You can do this via their phone line or online service.
  2. Provide all the necessary details about the incident, including the date, a description of what happened, and any emergency measures taken.
  3. Document the damage with photos or videos if possible, as this can be helpful during the assessment.
  4. Complete any required claim documentation provided by Universal P&C.
  5. Cooperate with the insurance adjuster to assess the damage.
  6. Follow up with Universal P&C for updates on your claim status if necessary.

Universal P&C Insurance Company Pros & Cons

Choosing the right insurance is crucial, and it helps to weigh the pros and cons of Universal P&C Insurance Company. They have established a firm foothold in Florida's market, offering varied policies with the promise of stability. Yet, there's room for improvement in customer service based on feedback.


  • Financial stability
  • Diverse coverage options
  • Safety feature discounts
  • Online claims filing
  • Long-standing market presence


  • Customer service complaints
  • No 24/7 support
  • Limited discount information
  • Complaints higher than average
  • No online quote tool

Who it's for: This insurance is suitable for Florida homeowners looking for a company with a solid financial background and a variety of coverage options. It's ideal if you value having an insurer with an established market presence but are comfortable navigating potential customer service challenges. If Universal P&C sounds like a match for your needs, filling out a quote form could be your next step to protection and peace of mind.

Wrapping Up

Universal P&C offers solid financial stability and diverse insurance options for Florida homeowners. Despite some customer service concerns, it remains a strong choice. Interested in learning more? Fill out our quote form for personalized insurance advice.

Get In Touch

Fill Out the Contact Form
Start by filling out our online contact form.

Provide your details and specific insurance needs, and a representative from Worth Insurance will reach out to you promptly to discuss how we can help you find the right coverage.
Schedule a Consultation
After submitting the form, schedule a consultation at a time that suits you.

This one-on-one session will allow us to understand your requirements better and offer personalized advice on choosing the best insurance policies for your Florida home.
Receive Your Tailored Insurance Plan
Following the consultation, we'll craft a tailored insurance solution that fits your needs and budget.

We aim to provide you with a seamless and informative journey towards securing the right coverage for your home in Florida.
Written by
Darren Craft
Writer, Insurance
Read more from author
Darren Craft is a licensed insurance advisor. He has been an angel investor in a number of prominent fintech and insurtech startups.

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.