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Universal Property & Casualty Insurance Company

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Are you prepared should an emergency arise, and something happens to your home, personal belongings, or business? Do you have a reliable and trustworthy insurance company that will stand by you in your time of trouble and need? Granted a Superior “A” rating by Demotech (a financial analysis firm from Columbus, Ohio),  Universal Property & Casualty Insurance Company (UPCIC) can help you in your time of need to rebuild your life, get you back on your feet, and get things back on course in the right direction.

Universal Property & Casualty Insurance Company is a branch of Universal Insurance Holding Company of Florida, wholly owned by Universal Holdings Incorporated. As one of the three largest property insurance companies in Florida, Universal Property & Casualty Insurance Company now sells homeowners insurance in Florida and Georgia.

University Property & Casualty Insurance Company sell renters insurance, dwelling insurance, condominium insurance, and home insurance in 5 states- North Carolina, South Carolina, Hawaii, Georgia, and Florida and are equipped with around 4,600 highly trained and independent local agents to help you with all your insurance needs and questions. Many insurance companies will not insure in areas at greater risk for storm damage or hurricanes, so property owners need to know their options for protecting their properties. They can get all this information from Universal Property & Casualty Insurance Company.

Universal Property & Casualty Insurance Company offers the following types of insurances to consumers: Homeowners Policy for the actual dwelling the owner occupies; Renters Policy to cover the contents in the unit that is being rented; Condominium Policy to cover any condominiums occupied by either owners or tenants; Dwelling Coverage for protection from wind, hail, lightning or fire; Other Structural Coverage for property other than the existing home such as a shed or garage; Dwelling Fire Policy for protection of the dwelling a Landlord owns; Personal Property Coverage for the contents inside the residence and Personal Liability Coverage for accidents that may happen to others while at home.

There are also certain loss reduction features that Universal Property & Casualty Insurance Company will support based on state law encouraging consumers to strengthen their homes to reduce the effects of storms to preserve both their property and their lives. Through Universal Property & Casualty Insurance Company, significant discounts are offered to policyholders who have these loss reduction features under the state-approved discount program for their homes, condominiums, or apartments. An inspection from a qualified inspector needs to be done with the proper inspection form filled out to determine the eligibility of the current policyholder. Through the Universal Property & Casualty Insurance Company, there is an approved vendor list to ensure you receive the correct inspection by a qualified inspector which will reduce the time and expense that UPCIC takes to process the policies. To help with the cost of the assessment and as a bonus to customers, Universal Property & Casualty Insurance Company has reached an agreement with its approved vendors to reduce the inspection fee to no more than $95.00. Using one of these vendors on the approved list will most likely eliminate the need for re-inspection needing to be done and provide the most accurate results.

Universal Property & Casualty Insurance Company also offers its higher value residential properties in Florida a separate policy through a branch of their company called The American Platinum Property & Casualty Insurance Company for those homes needing coverage over one million dollars.

Universal Property & Casualty Insurance Company has also installed a reinsurance program in the most comprehensive way possible for the upcoming hurricane season. This program will help with loss in the event of a catastrophe at the 90% level and even for 2nd and 3rd events of loss in excess. It will also reinstate premium protection and maintain the Quota Share reinsurance insurance coverage on its dwelling fire, business and homeowners.

Do you know why Universal Property & Casualty Insurance Company uses a red elephant in its logo? It is due to the wisdom of the red elephants and UPCIC’s desire to provide exceptional service and competitive rates to their customers. Universal Property & Casualty Insurance Company has combined with some of the most significant and most respected experts in the business, allowing them to grow and combine their financial strength, underwriting abilities, logical reasoning, and executive power. Universal Property & Casualty Insurance Company ensures its success with experienced people as their leaders in providing personal attention to each customer and their claims. They are dedicated to providing one-on-one service to their agents and customers without ever having to talk to a voice mail system. Their staff is well trained and eager to help you in any way possible, and someone is always available to pick up the phone and answer your call to get your claim started, change or start policies or ask a question. They are there to listen to you and help you with any problem or situation you may have with your insurance. Every effort is made to provide the consumer with immediate service. They treat each claim as their own or a family member and try to give their customers fast results on all claims or questions.

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