Universal Property and Casualty Reviews


Universal Property and Casualty is an insurance company that offers homeowners insurance. Getting quotes from multiple companies to compare rates and coverages is important. Some companies are less expensive than others, while some offer more comprehensive coverage. Aim to compare at least five quotes before you decide on your coverage.


The company is rated A by Demotech, and it has a sophisticated reinsurance program that taps highly-rated partners for excess losses. It is part of the Universal Insurance Holding Company of Florida and has 24/7 claims support. Customers should take photos of their damage and save receipts.

Universal Property and Casualty is an excellent choice for those who have a residential property. They offer a quoting tool that is available online. They also have an online claim reporting form. However, their rates are higher than many other companies. You might want to consider a different provider if you’re a landlord.

Universal Property And Casualty Insurance Company is a vertically-integrated insurance holding company. It operates in Florida, Delaware, Massachusetts, Maryland, and North Carolina. The company also writes policies in a few other states.


Universal Property and Casualty Insurance have a few complaints against it. Many of these complaints allege that the company did not fully underwrite policies or process claims. The company has since apologized and agreed to make corrective actions. However, there are other complaints about the company, such as the delayed payment of a claim.

The company promises a quick claim turnaround time, but the amount of time it takes varies greatly depending on the particulars of each claim. The company provides a customer portal to provide information and submit claims. It has an “A+” rating with the Better Business Bureau and has been accredited since 2016. However, it has received a total of 86 complaints about its products.


Universal Property And Casualty Rating is essential to consider if you are looking for an insurance company. They have an A+ rating from the Better Business Bureau, which shows financial strength. The company also offers several benefits, including an online chat with an agent. In addition, they have a free smartphone app available for Android and iOS users. A few positive reviews mention friendly representatives and quick response times, while others complain about slow claims processing.

Universal Property And Casualty is a vertically integrated insurance company, which means they do all aspects of insurance underwriting, distribution, and claims. Their A+ rating from the BBB shows their high level of customer service and financial stability. Furthermore, they are accredited by Demotech, a leading property insurance company organization.

Customer service

Universal Property and Casualty is an insurance company that competes with its competitors in protecting homes. Although there are mixed reviews about claims processing, it offers industry-standard coverages and a 24/7 customer service team. Its website offers instant quotes and a chat function with an online agent. The company’s site allows you to customize your coverage by choosing from pre-populated fields. You can also see what effect different changes will have on your premium. The company also offers a mobile app for both iOS and Android.

Universal Property and Casualty Insurance Company was founded in 1997 and served customers in 18 states. It began as a Florida-based company but has expanded into other states. Today, the company sells home insurance directly to consumers and through agencies. However, the company’s customer service rating is less than stellar, and many consumers have expressed disappointment with its claims process.