Universal Property and Casualty Insurance Review & Complaints (2024)
Check out our Universal Property and Casualty Insurance review to learn how to get insurance with a Florida-based company. Don't believe the hype of Universal Property and Casualty denying claims abruptly. Universal Property and Casualty Insurance writes policies in seven states and has an A+ rating from the Better Business Bureau. Universal Property and Casualty reviews from customers are mixed, with Universal Property and Casualty insurance claims handling a primary concern. Learn more about finding affordable Universal Property and Casualty Home Insurance quotes now.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: May 8, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: May 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
What is the history of the company? This Universal Property & Casualty Insurance Company review will go over the company’s size and limited availability. You may have read that Universal Property and Casualty leads in denying claims. Despite this, the company has managed to stay in business in several states across the nation.
Based in Fort Lauderdale, Florida, Universal Property and Casualty Insurance (UPCIC) is well into its second decade in the property and casualty market, providing a range of home insurance coverage and liability insurance products. UPCIC writes policies in several states beyond its Florida base.
Before you read this full review of Universal Property and Casualty, take a moment to see what you could be saving on home insurance. Enter your ZIP code now to compare home insurance rates for free.
What is the Universal Property and Casualty Insurance Company?
Since 1997, UPCIC is a subsidiary of Universal Insurance Holding Company of Florida, in turn, owned by Universal Insurance Holding, Inc.
The company has its headquarters in Fort Lauderdale, FL, and writes policies in several states outside of Florida. Coverage is available in Delaware, North Carolina, South Carolina, Hawaii, Georgia, Indiana, Maryland, and Massachusetts.
According to the South Carolina Department of Insurance, property and casualty insurance are two different types of insurance.
UPCIC writes a range of personal lines property and casualty products, including standard homeowners and other dwelling and personal property coverage. Policies are sold through a network of independent agents, with limited quoting available online. UPCIC is among the largest property and casualty insurers in the state of Florida.
Watch this short commercial from Universal Property and Casualty Insurance Company.
The Universal Insurance Company has a customer login option on their website that allows policyholders to accomplish several policy management tasks, including making payments online and checking on policy status. (For more information, read our “Universal Insurance Company Insurance Review & Complaints: Auto & Motorcycle Insurance“).
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What type of insurance products are offered?
Universal Property and Casualty writes policies in the personal lines market for owner-occupied and rental homes, tenants, and condos. The company focuses only on this particular market at this time.
Continue reading to get more Universal Casualty insurance reviews.
Is homeowner’s insurance available?
Universal homeowners insurance reviews and writes standard insurance for homeowners. Their homeowner’s insurance policies include replacement cost coverage for the home itself, coverage for other structures on the premises, and home insurance personal property coverage protects the owner’s personal property anywhere in the world. Policies also include personal liability coverage to protect homeowners from lawsuits for injuries or negligence. Read more home insurance reviews in the review directory.
Is dwelling fire insurance offered?
UPCIC writes dwelling fire policies for non-owner-occupied homes that are rented out to others. This policy protects the structure and the landlord from the liability risks of owning a rental home.
Keep reading our Universal property reviews to learn more about the company and what other options are available for you.
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Can I get condo owner’s insurance?
This policy is designed specifically for the needs of a condo owner, which differs from a single-family residence. Included in UPCIC’s condo insurance policies is coverage for portions of the structure for which the owner is responsible, personal property coverage, and liability. Tenant-occupied condo policies are also available from UPCIC.
Can I buy renter’s insurance?
UPCIC offers a renter’s insurance policy for tenants who want to protect their personal property. These policies do not include any physical structure coverage, as that falls under the owner’s policy. Renter’s insurance also includes liability coverage. Shop for the best home insurance for short term rentals if you’re only renting for a short period of time.
Are the rates affordable?
UPCIC is one of the insurance companies whose sample rates are available on the Florida Office of Insurance Regulation website, through their CHOICES rate comparison tool.
A sample of a $300,000 value new construction home brings back an incredible range of rates, differing across counties in Florida.
Annual insurance premiums range from just under $1,000 to over $5,000. Direct comparison by county and specific home is the best way to determine which counties the company offers its most competitive rates.
UPCIC offers an online quoting form on their website, and quotes are also available through agents selling UPCIC products. As a smaller insurance company, UPCIC is likely to have higher rates in big markets than larger, national-level companies.
The company does not write auto or any other types of insurance coverage that commonly provide for multi-policy discounts, making it less competitive with companies offering many different policy types. There are, however, many discounts available to policyholders with UPCIC.
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How are claims processed for Universal Property and Casualty Insurance?
UPCIC offers a 24 hour a day, seven days a week claims center prepared to handle even a high number of calls during natural disasters, an important factor in hurricane-prone areas like Florida. Claims can be filed over the phone, through an agent, or via the online claims reporting form that’s available on the company website.
You can use the Universal Property and Casualty login to file an online claim through a different portal from the Universal Property and Casualty insurance agents login.
The designated universal insurance claims phone number is 651-209-1150. Feel free to contact this number if you face claim denials from Universal Property and Casualty or require updates on your Universal Insurance claim check status.
The sudden termination of Universal North America home insurance coverage might occur due to unpaid premiums or a history of frequent accidents on your record.
The Universal Property and Casualty news advises policyholders to swiftly capture photographs of any damage and refrain from disposing of or moving any damaged items until the adjuster conducts a thorough inspection of the damage.
UPCIC commits to expedited claim processing, although the unique circumstances of each claim can influence the processing timeline significantly. Customers can conveniently track their claim status online through the company’s customer portal on the website. This feature enhances the experience for policyholders seeking Universal Property Insurance Florida reviews and accessing the Universal Property Insurance login portal to stay informed about their claims.
Universal Property and Casualty Insurance’s Digital and Technological Offerings
Mobile App Features and Functionality
Universal Property and Casualty Insurance provides a mobile application tailored to improve the convenience of managing your insurance policies. This app offers a range of functionalities, including the ability to view and administer your policies, make payments, report claims, and access crucial policy documents. For inquiries or assistance, you can reach the Universal Property Insurance phone number, and rest assured of the company’s solid Universal Property Insurance rating.
Through the mobile app, you can conveniently access your insurance information, ensuring you stay up-to-date and can take necessary actions when needed, which includes managing your universal property management reviews and making payments on universalproperty.com.
Online Account Management Capabilities
In the modern digital era, the significance of handling insurance policies and accounts online has grown substantially. University Property and Casualty Insurance acknowledges this trend and offers policyholders extensive online account management features. This includes access to UPC agent login, empowering customers with convenient and comprehensive tools to manage their insurance affairs digitally.
You have the option to access your account, enabling you to examine policy specifics, modify details, complete payments, and monitor the progress of claims. This convenient online accessibility guarantees that you retain authority over your insurance requirements at any time, day or night. Additionally, if you need assistance with claims, you can reach out to the UPC claims phone number provided. Explore UPC home insurance reviews to learn more about customer experiences.
Digital Tools and Resources
Alongside the mobile app and online account management, Universal Property and Casualty Insurance offers various digital tools and resources to aid policyholders. These include educational materials, FAQs, and calculators aimed at enhancing understanding of coverage options, facilitating informed decisions, and planning for insurance needs. This comprehensive approach aligns with UPC Insurance ratings and caters to individuals seeking UPC renters insurance.
Are the reviews and ratings positive?
Before committing to this insurer, check the Universal Property and Casualty Insurance Company’s rating.
Universal Property and Casualty Insurance Company’s Better Business Bureau (BBB) profile currently holds an “A+” rating. The company is also accredited and has been since 2016. There are 107 complaints filed against the company in the last three years, 61 of which have been closed in the past 12 months. Of the 107 complaints, 86 of them concern product and service.
The Florida Department of Financial Services records shows that Universal Property and Casualty complaints have reached 180 complaints in the fourth quarter of 2016, which is the most recently available information. This is a ratio of 1:3,207 or one complaint per every 3,207 policies the company has in force from their insurance customers.
According to Insurance Journal, UPCIC was fined by Florida for $1.26 million and required to take corrective action to repair claims and insurance underwriting practices.
The Better Business Bureau (BBB) documented that the organization was found to have neglected full underwriting during policy issuance and failed to complete underwriting during claim processing, resulting in claim denials. The company agreed to the fine and corrective action in October 2014, with no challenge or appeal to the decision. Customers seeking information about UPCIC agent login and UPCIC insurance should be aware of these findings.
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What is the financial strength rating?
The Universal Property and Casualty Insurance Company A.M. Best rating is an A. Take a look at the financial ratings below.
Universal Property and Casualty Insurance Company Ratings
| Rating Company | Grade | Financial Outlook |
|---|---|---|
| A.M. Best | A | N/A |
| Fitch | N/A | N/A |
| S&P | B++ | bbb+ |
Universal Property and Casualty ratings could be the saving grace of the company. An A.M. Best rating helps the company considerably, and it shows the company has done well with paying out claims and maintaining a good financial outlook.
Universal Property and Casualty Insurance Review: What’s the bottom line?
Universal Property and Casualty Insurance Company is a relatively large company in the Florida insurance market and writes policies in a short list of other states.
The company’s rates are widely varied across counties and are unlikely to compete with national insurers in large markets. Because the company offers only property and casualty and not auto insurance, the lack of multi-policy discounts is likely to result in higher rates.
Did you know Universal Property and Casualty class action lawsuits caused them to lose potential customers? A relatively high number of complaints and a government action against the company for their underwriting practices are likely to make consumers wary. However, time and appropriate action to repair the damage consumer confidence may return.
Now that you know the Universal Property and Casualty Insurance Company rating, are you ready to buy Universal Property and Casualty home insurance? Enter your ZIP code now to get started comparing home insurance quotes to those from other companies.
Frequently Asked Questions
What is Universal Property and Casualty Insurance?
Universal Insurance and Casualty (UPC Insurance) is a provider of property and casualty insurance solutions. Their offerings encompass insurance options for homeowners, condominiums, renters, and commercial properties.
Are there any reviews available for Universal Property and Casualty Insurance?
Yes, there are various reviews available for Universal Property and Casualty Insurance. Customers and policyholders often share their experiences and opinions about the company’s services and products. You can find these reviews on websites dedicated to Universal Property insurance reviews, consumer advocacy websites, or through online search engines
How can I access Universal Property and Casualty Insurance reviews?
To access reviews for Universal Property and Casualty Insurance, you can visit popular review websites such as ConsumerAffairs, Trustpilot, or the Better Business Bureau (BBB). Additionally, you can search for customer testimonials and experiences on social media platforms or insurance-related forums.
What should I consider when reading reviews for Universal Property and Casualty Insurance?
When assessing reviews, pay attention to overarching patterns rather than individual viewpoints. Identify recurring themes in both positive and negative feedback concerning aspects such as customer service, claims processing, coverage terms, and pricing. Recent reviews offer valuable perspectives on the company’s present status. Additionally, ensure easy access to the universal property and casualty insurance phone number for any inquiries or support required.
How can I file a complaint against Universal Property and Casualty Insurance?
If you have a complaint against Universal Property and Casualty Insurance, you can directly contact the company through their customer service channels. Reach out to their support team via phone or email and detail your concerns, including any pertinent policy or claim information to aid their investigation and resolution. If your complaint remains unresolved, you may also consider filing a complaint with your state’s insurance regulatory agency, ensuring adherence to the standards upheld by Universal Property and Casualty’s AM Best rating.
What are some Universal Property and Casualty Insurance Company reviews?
Reviews for Universal Property and Casualty Insurance Company can be found on various platforms, including consumer review websites, the Better Business Bureau (BBB), and insurance-specific forums. Customers often share their experiences with the company’s policies, claims handling, customer service, and overall satisfaction.
What is Universal Property & Casualty Insurance Company’s AM Best rating?
Universal Property & Casualty Insurance Company’s AM Best rating underscores its financial strength and stability. According to the latest data, the company boasts a strong Universal Property AM Best rating, providing reassurance to customers and stakeholders alike regarding its ability to fulfill insurance obligations.
How does Universal Property and Casualty handle denying claims?
Universal Property and Casualty’s claims handling process varies depending on the circumstances of each claim. While they strive to provide prompt and fair resolutions, there may be instances where claims are denied. Customers can review their policy terms and contact the company for further clarification if their claim is denied.
How can I access the agent login for https://universalproperty.com?
Agents connected with Universal Property and Casualty can utilize their login portal accessible through the company’s official website, https://universalproperty.com, to access the universal property claims portal. This portal is designed to provide agents with tools and resources necessary for managing policies, processing claims, and assisting customers efficiently.
Is there any indication that Universal Property and Casualty is going out of business?
There is no indication that Universal Property and Casualty is going out of business. The company continues to operate and provide insurance products and services to its customers across multiple states.
What are some reviews of Matic Insurance?
Matic Insurance reviews can be found on various online platforms where customers share their experiences with the company’s services, including its insurance products and customer support. Potential customers can use these reviews to assess Matic Insurance’s reputation and reliability.
Are there any reviews available for Symmetry Financial Group?
Reviews for Symmetry Financial Group, a licensed insurance agency, can be found online. Customers often share their experiences with the company’s insurance products, agent interactions, and overall satisfaction. These reviews can help potential clients evaluate Symmetry Financial Group’s services.
What are some Tower Hill Insurance reviews according to the Better Business Bureau (BBB)?
Tower Hill Insurance reviews on the Better Business Bureau (BBB) website provide insights into customer experiences with the company’s insurance policies, claims processing, and customer service. Potential customers can review these ratings and feedback to make informed decisions.
What are some universal auto insurance reviews?
Universal auto insurance reviews can be found on various online platforms, including consumer review websites and insurance-specific forums. Customers share their experiences with Universal auto insurance policies, claims handling, premiums, and overall satisfaction.
What is the phone number for Universal Car Insurance?
Universal Car Insurance provides insurance products and services through Universal Property and Casualty Insurance Company. Customers can contact Universal Property and Casualty’s customer service department at their toll-free phone number to inquire about car insurance options.
What is universal causality insurance?
Universal causality insurance typically refers to insurance coverage that protects policyholders from liability for damages or injuries they cause to others. This type of insurance is commonly included in various insurance policies, such as auto, home, and commercial liability insurance.
What does Universal Condo Insurance cover?
Universal Condo Insurance typically covers the interior of the condominium unit, personal property, liability protection, and additional living expenses in case of a covered loss. The specific coverage details may vary depending on the policy terms and options chosen by the policyholder.
How can I access Universal Direct Insurance reviews?
Reviews for Universal Direct Insurance, a subsidiary of Universal Property and Casualty Insurance Company, can be found on various online platforms, including consumer review websites and insurance-specific forums. Customers share their experiences with the company’s insurance products and services.
Who is Universal Fire and Casualty Insurance Company?
Universal Fire and Casualty Insurance Company is a subsidiary of Universal Insurance Holding Company of Florida, specializing in property and casualty insurance products. The company provides insurance coverage for homeowners, renters, condominiums, and commercial properties.
Are there any universal home experts reviews available?
Universal home experts reviews may refer to feedback or opinions from individuals or organizations knowledgeable about home insurance products and industry trends. These reviews can provide valuable insights and recommendations for homeowners seeking insurance coverage.
What are some Universal home insurance reviews?
Reviews of Universal Property home insurance can be located on various online platforms, including consumer review websites, insurance forums, and social media. Customers share their experiences with Universal Property and Casualty’s home insurance policies, claims processing, and customer service.
How does Universal Home Insurance fare in Florida?
Universal Home Insurance, offered by Universal Property and Casualty Insurance Company, is a prominent provider of homeowners insurance in Florida. The company’s policies are tailored to meet the unique needs of Florida residents, offering comprehensive coverage options and competitive rates.
What are some universal home protection reviews?
Universal home protection reviews may refer to feedback or opinions from customers who have purchased home insurance policies from Universal Property and Casualty Insurance Company. These reviews can provide insights into the quality of coverage, claims handling, and customer service.
How does Universal House Insurance differ from other policies?
Universal house insurance, offered by Universal Property and Casualty Insurance Company, provides comprehensive coverage for homeowners, including protection for the structure of the home, personal belongings, liability, and additional living expenses. Policyholders can customize their coverage options to suit their needs.
Can I find universal insurance agency reviews online?
Yes, reviews for universal insurance agencies can be found online on various platforms, including consumer review websites, insurance forums, and social media. Customers share their experiences with insurance agents, including their professionalism, knowledge, and assistance in selecting insurance policies.
Is there a specific Universal Insurance Company of North America?
While there may be insurance companies with similar names, such as Universal Insurance Company of North America, it’s essential to verify the specific company’s details and offerings before purchasing insurance coverage. Customers can contact the company directly for more information.
How is the Universal Insurance rating determined?
The Universal Insurance rating is determined based on various factors, including financial strength, claims handling, customer service, and industry reputation. Independent rating agencies, such as AM Best, evaluate insurance companies and assign ratings to assess their overall performance and reliability.
Are there any Universal insurance reviews available online?
Yes, Universal insurance reviews can be found online on various platforms, including consumer review websites, insurance forums, and social media. Customers share their experiences with universal insurance policies, claims processing, premiums, and customer service.
What does Universal Mortgage Insurance cover?
Universal Mortgage Insurance, also known as mortgage protection insurance, typically covers mortgage payments in case the policyholder experiences financial hardship due to death, disability, or involuntary unemployment. This coverage helps protect the policyholder’s home and family from foreclosure or financial strain.
How can agents access the Universal Property and Casualty agent login?
Agents associated with Universal Property and Casualty can access their login portal through the company’s official website. The agent login portal provides access to tools and resources for managing policies, processing claims, and assisting customers.
What is the Universal Property claims phone number?
The Universal Property claims phone number may vary depending on the specific type of claim and the policyholder’s location. Policyholders can find the appropriate claims phone number on their insurance policy documents or by contacting Universal Property and Casualty’s customer service department.
Are you looking for free insurance quotes?
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.