Universal Property and Casualty
Universal Property and Casualty Insurance Company, called UPCIC or Univeral, was founded in 1997 and is based in Florida. Universal is one of the leading insurance companies offering homeowner insurance plans in Florida.
UPCIC also offers home insurance plans in Alabama, Delaware, Georgia, Hawaii, Illinois, Indiana, Maryland, Massachusetts, Michigan, Minnesota, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, South Carolina, and Virginia.
Univeral’s insurance plans include dwelling insurance for homeowners, renters insurance or tenants’ insurance, condo or unit owner insurance, and dwelling property insurance for landlords. Their different property insurance plans also include coverage for Personal Possessions, Loss of Use, Personal Liability, and Medical Payments.
Universal has a Nsure.com insurance carrier rating of 4.5 out of 5 stars based on our research.
By offering superior services and maintaining an exclusive focus on homeowners insurance (dwelling insurance) Universal has become a leading insurance carrier in the 18 states they are licensed and admitted in. They are Better Business Bureau accredited and have a BBB Rating of “A+”.
Our carrier rating takes into account several factors about the insurer, our industry-experienced research, policyholder’s feedback, and other publicly available data. We also take into account the carrier’s financial stability, organizational structure, and history as well as their historical claims payout data to generate our comprehensive carrier profiles with a low to high rating of between 1 to 5 stars.
Universal has an A.M. Best Credit Rating of “A or Excellent”, a Credit Rating scoring opinion of an insurer’s financial strength and ability to meet their ongoing insurance policy and contractual obligations.
They have a Financial Stability Rating of “A or Exceptional” from Demotech Inc. for their long-term stability. Financial Stability Ratings (FSRs) are a leading indicator of the financial stability of Property and Casualty insurers.
AM Best is an independent insurance rating agency that provides credit ratings and financial data products for the insurance industry. Demotech Inc. specializes in providing ratings and detailed financial analysis of regional and specialty insurers.