Universal Property and Casualty Insurance Company is a trusted, resilient insurance provider. They serve more than 800,000 policyholders in 18 states and began in Florida in 1997. Universal Property and Casualty provide insurance for Florida homeowners, renters, condos, and landlords.
If you are a current Universal Property and Casualty policy holder, please use these links to make a payment or file a claim.
If you are considering Universal Property and Casualty to protect your Florida property, here is a little bit about how they’re different:
Find the right coverage for your needs.
Protect your home, your belongings, and yourself with a policy that fits you from Universal Property and Casualty and Harris Insurance.
Universal Property and Casualty Homeowner Policies offer the following optional coverages:
- Personal Property Replacement Cost
- Limited Water and Sewer Back-up and Sump Discharge or Overflow
- Limited Animal Liability
- Utility Service Line
- Scheduled Jewelry or Other Personal Property
- Mechanical Breakdown
- Personal Injury
- Debris Removal
- Loss Assessment
- Higher Personal Liability limits
- Ordinance or Law
Universal Property and Casualty Homeowner Policies offer the following potential discounts:
- Prior Insurance Discount
- Claims Free Discount
- Loyalty Discount
- New Roof Discount
- Burglar and Fire Alarm Discount
- Sprinkler System Discount
- Auto Companion Discount
- Windstorm Protective Devices Discount
- Fortified for Safer Living Discount
- Occupants Over the Age of 65 Discount
Please contact one of our Agents to discuss any optional coverage options and decide which type of policy is right for your Florida Property
Universal Property and Casualty is rated “A Exceptional” by Demotech, Inc.
