Universal Property and Casualty Insurance Review & Complaints (2024)

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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“).

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.

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.

Read more: UPC Insurance Review & Complaints: Home, Condo, Fire, Renter’s, Flood & Commercial Property Insurance

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.

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

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.