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Universal Property & Casualty Insurance Company

Universal Property & Casualty Insurance Company Florida

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? One that Demotech, a financial analysis firm from Columbus, Ohio, granted a Superior “A” rating. Universal Property & Casualty Insurance Company (UPCIC) can help you in your time of need to rebuild your life. Then, get you back on your feet and get things back on course in the right direction.

Where Does Universal Property & Casualty Operate?

Universal Property & Casualty Insurance Company is a Universal Insurance Holding Company of Florida branch 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 sells renters insurance, dwelling insurance, condominium insurance, and home insurance in 5 states- North Carolina, South Carolina, Hawaii, Georgia, and Florida and is 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 areas at greater risk for storm damage or hurricanes, so property owners must know their options for protecting their properties. They can get all this information from a Florida Insurance Quotes partner agent.

The Types of Florida Insurance Offered

Universal offers the following types of insurance to consumers: 

  • Florida homeowners insurance policy for the actual dwelling the owner occupies
  • Florida renters insurance to cover the contents in the unit that the renter has rented
  • Condominium policy to cover any condominiums occupied by either owner 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
  • Personal liability coverage for accidents that may happen to others while at home

Universal Property & Casualty Adheres to Florida Law

There are also specific 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. Universal offers significant discounts to policyholders with these loss reduction features under the state-approved discount program for their homes, condominiums, or apartments. Customers must obtain an inspection from a qualified inspector. Moreover, they must fill out the proper inspection form to determine the eligibility of the current policyholder. Through Universal, there is an approved vendor list to ensure you receive the correct inspection by a qualified inspector. This list will reduce the time and expense UPCIC takes to process the policies. To help with the assessment cost and as a bonus to customers, Universal Property & Casualty Insurance Company has agreed 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 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 homes needing over one million dollars in coverage.

Does Universal Property & Casualty Cover Hurricanes?

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 failure in excess. It will also reinstate premium protection and maintain the Quota Share reinsurance insurance coverage on its dwelling fire, business, and homeowners.

The Red Elephant

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. They represent UPCIC’s desire to provide exceptional service and competitive rates to their customers. Universal has combined with some of the most significant and respected experts in the business. This experience allows them to grow and connect their financial strength, underwriting abilities, logical reasoning, and executive power.

Universal ensures its success with experienced people as leaders in providing personal attention to each customer and their claims. They have dedicated themselves to providing one-on-one service to their agents and customers without talking to a voicemail system. Their staff is well-trained and eager to help you in any way possible. Someone is always available to pick up the phone and answer your call. Then, start your claim, change policies, or ask a question. They are there to listen to you and help you with any problem or situation with your insurance.

Moreover, Universal makes every effort to provide the consumer with immediate service. They treat each claim as their family member’s. In addition, Universal will give their customers fast results on all claims or questions.

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