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.
Universal P&C is one of the largest writers of Florida Home insurance in the market. The insurer provides homeowners insurance, condo insurance, and renters insurance in Florida and 17 other states.
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.
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 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.
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.
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.
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.
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.
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.
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.
