Universal Property Insurance Review & Ratings (2024)
Universal Property Insurance offers affordable homeowners insurance with comprehensive coverage to protect your property from unexpected events and damages. They provide competitive rates and flexible options tailored to your needs. Whether you own or rent, Universal Property Insurance ensures peace of mind without breaking the bank.
Read moreBrad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Sep 14, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 14, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Universal Property Insurance
Average Monthly Rate For Good Drivers
$100A.M. Best Rating:
A (Excellent)Complaint Level:
LowPros
- Diverse Coverage Options
- Competitive Rates
- Efficient Claims Processing
- Positive Customer Reviews
- Customizable Policies
Cons
- Limited Geographical Coverage (check availability in your area)
- Flood Insurance may have specific eligibility criteria
- Discounts for bundling might vary based on individual policies
- Online account management features could be more user-friendly
- Limited options for additional policy endorsements
If you are looking for homeowners insurance or other property and casualty coverage, and if you live in one of the states UPCIC operates in, you may consider looking into purchasing an insurance policy with the company.
But you should be sure to check out other options before you make any final decisions.
Compare quotes with other P&C insurance companies to see which offers the best rates, and do some digging to learn more about different companies and their ratings and reviews.
You can use our free tool below to compare property and casualty insurance rates with top companies in your area to see which companies can offer you the best coverage at the best rates.
What You Should Know About Universal Property & Casualty Insurance Company
- Universal Property and Casualty offers homeowners insurance along with other types of property and casualty coverage
- The company’s rates for homeowners insurance vary greatly depending on a number of factors, including your location
- Universal Property and Casualty has an A+ rating with the Better Business Bureau
Discover Universal Property Insurance and the main subjects it addresses. In this extensive article, we dig into the realm of reasonably priced homeowners insurance, highlighting the need to safeguard your house against unforeseen incidents and losses. We emphasize the affordable premiums and adaptable coverage choices offered by Universal Property Insurance, which are tailored to your individual requirements.
We offer assistance in understanding the importance of comprehensive coverage and in choosing a policy that aligns with your budget while maintaining quality. We encourage you to input your zip code below and compare quotes from leading insurance companies in your area to make a well-informed decision. Take the first step today to protect your home and achieve peace of mind. Additionally, for customers of Universal Insurance Company in Charlotte, NC, you can easily access your account through the Universal Insurance login portal.
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Universal Property & Casualty Insurance Company Insurance Coverage Options
The Universal Property & Casualty Insurance Company (UPCIC) is most well-known for its homeowners insurance.
UPCIC policies are sold through independent agents, and the company offers insurance coverage in Florida, Delaware, North Carolina, South Carolina, Hawaii, Georgia, Indiana, Maryland, and Massachusetts.
If you live in one of the states mentioned above, it’s essential to familiarize yourself with your state’s requirements and options regarding homeowners insurance, especially in light of potential universal property and casualty complaints and the universal property and casualty Demotech rating.
For example, if you live in South Carolina, review the stipulations and regulations for South Carolina homeowners insurance before looking into any specific company.
Universal Property and Casualty offers homeowners insurance with flexible policies that work for individual homes and families.
The company’s homeowners policies cover the replacement cost for a home, coverage for other structures on a person’s property, and plenty of additional coverage options.
UPCIC policies also include liability insurance to protect policyholders from lawsuits.
Some of Universal Property and Casualty’s options for add-ons when it comes to homeowners insurance include:
- 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
The company also offers a number of discounts on monthly rates for homeowners insurance.
UPCIC’s discount options include:
- 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
In addition to homeowners insurance, Universal Property and Casualty offers additional coverage for other types of property and casualty insurance needs.
Can I get renters insurance With UPCIC?
Universal Property & Casualty Insurance Company offers condominium, renters, and landlords coverage to its policyholders, without any indication of universal property and casualty denying claims or universal property and casualty news.
All of these coverages feature add-on options just like the homeowners insurance, and both condominium and renters insurance allow for discounts as well.
Universal Property & Casualty Insurance Company Insurance Rates Breakdown
Universal Property and Casualty has sample rates available on the Florida Office of Insurance Regulation website.
While these rates are helpful to see, they vary greatly depending on the location a person chooses within the state of Florida. For example, a $150,000 home can have annual homeowners insurance rates as low as $1,100 or as high as $10,450.
It’s advisable to compare insurance rates to gauge potential costs accurately. However, given that the available information is primarily centered on Florida, it offers a relatively narrow perspective, especially concerning Universal Property Homeowners Insurance and Universal Property Insurance AM Best Rating
UPCIC also offers online quotes both on the company website and through Universal Property and Casualty insurance agents. As you get quotes from UPCIC, keep in mind that rates will likely be higher than average because it is a smaller company.
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Universal Property & Casualty Insurance Company Discounts Available
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How Universal Property & Casualty Insurance Company Ranks Among Providers
In the dynamic insurance landscape, Universal Property Insurance contends with several prominent competitors. A glimpse into these market players provides valuable insights into the overall industry:
- State Farm: A widespread network of agents and a longstanding presence in the insurance market.
- Allstate: A well-established brand with a reputation for innovative coverage options.
- Progressive: Recognized for competitive rates, a user-friendly online experience, and a variety of discounts.
- Liberty Mutual: Boasting a global presence and offering diverse coverage options.
- Farmers Insurance: Known for personalized service through local agents and a range of comprehensive coverage options.
- Travelers: Offers a wide range of insurance solutions with a strong focus on risk management.
Understanding the competitive landscape is essential for consumers seeking insurance coverage tailored to their specific needs. While each competitor has its unique attributes, Universal Property Insurance stands out through its customizable policies, efficient claims processing, and a diverse array of coverage options catering to the needs of property owners.
Does UPCIC have good ratings?
UPCIC has an A+ rating with the Better Business Bureau and has been accredited with the company since 2016.
Universal Property and Casualty has had 218 complaints filed against it in the last three years, and 106 complaints have been closed in the past 12 months.
The Insurance Journal states that Universal Property and Casualty was fined $1.26 million by the state of Florida in 2014 following certain unwarranted claims insurance and underwriting practices.
Frequently Asked Questions
What products does Universal Property and Casualty offer?
Universal Insurance Holdings, through its subsidiary, the Universal Property & Casualty Insurance Company, offers homeowners, renters, condominium, and landlord coverage to its policyholders. This company is renowned for its robust universal insurance company rating.
Does Universal Property and Casualty offer renters insurance?
Yes, Universal Property & Casualty Insurance Company offers renters insurance, along with coverage options such as Neptune Residential Flood Insurance reviews and NJM sewer line coverage
How much is insurance with Universal Property and Casualty?
Universal Property and Casualty provides rate examples accessible through the Florida Office of Insurance Regulation website. It’s crucial to recognize that these rates fluctuate significantly based on location and various determinants. Additionally, UPCIC offers the option for obtaining online quotes via its website or through its insurance agents. Access to these features can be facilitated through the Universal Property and Casualty agent login portal.
What states does Universal Property and Casualty offer insurance in?
Universal Property and Casualty offers insurance coverage in Florida, Delaware, North Carolina, South Carolina, Hawaii, Georgia, Indiana, Maryland, and Massachusetts.
What does Universal Property and Casualty’s homeowners insurance cover?
Universal Property and Casualty’s homeowners policies cover the replacement cost for a home, coverage for other structures on a person’s property, and plenty of additional coverage options. UPCIC policies also include liability insurance to protect policyholders from lawsuits.
What discounts are available with Universal Property and Casualty homeowners insurance?
Universal Property and Casualty offers a number of discounts on monthly rates for homeowners insurance. These discounts include multi-policy, new home, home security, impact-resistant windows and doors, and claims-free discounts.
What add-ons are available with Universal Property and Casualty homeowners insurance?
Universal Property and Casualty offers a range of add-ons for homeowners insurance, including personal property coverage, sinkhole damage coverage, and additional living expenses coverage.
What is Alder Adjusting Corporation and what services do they offer?
Alder Adjusting Corporation is a company that specializes in providing adjusting services, primarily within the insurance industry. Their core focus is on assessing and evaluating claims to determine appropriate settlements. They prioritize quality service, especially for Universal Property customer service.
How does Brad Larson State Farm stand out in the insurance industry?
Brad Larson State Farm operates as an insurance brokerage affiliated with State Farm Insurance, offering a diverse array of insurance options such as auto, home, life, and business coverage. It’s plausible that Brad Larson serves as a licensed insurance agent representing this agency. For inquiries regarding Universal Property Insurance, you can reach out to their customer service team at the Universal Property Insurance phone number.
What is casualty property insurance and what does it cover?
Casualty property insurance, which is also recognized as property and casualty insurance, offers protection against property damage and liability risks. This insurance category commonly encompasses coverage for residences, automobiles, and liability associated with injuries or damages resulting from the actions of the insured individual. This includes universal property and casualty insurance company ratings.
Are there any notable Hartville Pet Insurance reviews worth mentioning?
Reviews of Hartville Pet Insurance can provide crucial insights into the experiences of pet owners who have availed themselves of Hartville’s insurance services for their pets. Positive reviews may emphasize excellent coverage and customer service, while negative reviews might highlight issues with claims processing or coverage limitations. These perspectives are valuable for those seeking Universal Property and Casualty Insurance Company reviews.
What factors make home insurance universal across different providers?
Universal homeowners insurance reviews encompass the fundamental coverage choices widely accessible across various homeowners insurance policies. These usually entail protection for the dwelling, personal belongings, liability, and extra living costs.
Can you provide an overview of Clovered Insurance and its offerings?
Clovered Insurance, an esteemed universal insurance agency, extends a diverse array of insurance solutions covering auto, home, renters, and life insurance. Their primary objective is to provide customized insurance options tailored to meet the individual requirements of their clients, earning acclaim in universal insurance agency reviews for their dedication to personalized service.
Can you share some insights from Matic Insurance reviews?
Reviews of Matic Insurance can offer valuable insights into the experiences of customers who have utilized Matic’s services for homeowners insurance. Positive reviews may highlight the ease of use and competitive rates, while negative feedback might mention issues with coverage or customer service. For assistance, customers can contact the Universal Property and Casualty Insurance phone number.
What sets North American Home Insurance apart from other providers?
North American Home Insurance provides a range of coverage choices tailored for homeowners. It’s advisable for customers to explore the company’s services, evaluations, and feedback to ascertain its suitability. It’s also beneficial to consider universal home protection reviews in this assessment.
What types of coverage are included in property & casualty insurance?
Universal property home insurance reviews typically encompass coverage for property damage, liability, and casualty risks. This entails protection for homes, vehicles, and businesses, along with liability for injuries or damages caused by the insured party.
What are the requirements for obtaining Puerto Rico car insurance?
Car insurance requirements in Puerto Rico may vary, but typically include liability coverage to protect against property damage and bodily injury liability caused by the insured vehicle. Additional coverage options may be available depending on individual needs, including those offered by Universal Insurance PR.
What distinguishes Sun Insurance Agency from other insurance agencies?
Sun Insurance Agency is an independent insurance provider offering various insurance options, such as auto, home, business, and life insurance. It’s essential for individuals to evaluate the agency’s offerings and reputation to ensure they align with their needs. For further assistance, customers can contact the universal insurance phone number.
Can you provide an overview of United Property and Casualty Insurance reviews?
United Property and Casualty Insurance reviews can provide insights into the experiences of customers who have used United’s insurance services. Positive reviews may highlight excellent coverage and customer service, while negative reviews may indicate issues with claims processing or coverage limitations. Additionally, customers may share universal property and casualty insurance company complaints, shedding light on areas where improvements may be needed.
How do customers rate Universal Auto Insurance in their reviews?
Universal Auto Insurance reviews can offer insights into the experiences of customers who have purchased auto insurance from Universal. Positive reviews may emphasize competitive rates and efficient claims processing, while negative reviews might highlight issues with coverage or customer service. For additional support, individuals can contact Universal Property via phone using the provided phone number.
What is Universal Causality and how does it relate to insurance?
Universal Causality, within the context of Universal insurance services, refers to the fundamental principle of causality in insurance. This principle underscores the relationship between an insured event and its cause, playing a pivotal role in determining coverage under insurance policies.
Are there any notable Universal Direct Insurance reviews available?
Reviews of Universal Direct Insurance offer valuable insights into the experiences of clients who have directly bought insurance from Universal. Favorable feedback often emphasizes the convenience and competitive pricing offered. Conversely, unfavorable reviews may point to challenges with the processing of claims or the quality of customer service. Additionally, customers seeking assistance, including information about Universal condo insurance or the universal claims phone number, can find relevant insights in these reviews.
What do customers say about Universal Home Insurance in their reviews?
Universal Home Insurance reviews offer valuable insights into customer experiences with Universal Insurance. Positive feedback often praises the comprehensive coverage and competitive rates, while negative reviews might mention issues with claims processing or coverage limitations. These reviews, part of universal insurance company reviews, provide a glimpse into overall customer satisfaction, including the quality of customer service provided by Universal Insurance.
How is Universal Insurance Company of North America rated among customers?
Customers evaluate Universal North America Home Insurance based on elements like the range of coverage choices, how claims are managed, and the quality of customer service. It’s crucial for individuals to conduct thorough research on Universal North America Insurance Company reviews to determine if it aligns with their requirements.
Where can customers find Universal Insurance Florida reviews?
Reviews of Universal Insurance in Florida offer valuable insights into the experiences of policyholders in the state. Favorable feedback often emphasizes the competitiveness of rates and the extent of coverage provided. Conversely, less favorable reviews might point out challenges related to processing claims or limitations in coverage. These reviews contribute to the overall rating of Universal Insurance.
Is Symmetry Financial Group a legitimate insurance organization?
Symmetry Financial Group operates as a reputable insurance agency, providing a range of insurance options and financial services. It’s advisable for customers to conduct thorough research on the company’s standing, evaluations, and feedback to ascertain its authenticity and dependability, especially when considering Universal insurance reviews.
How can customers determine if Universal Property Insurance is a reputable company?
To assess the reliability of Universal Property Insurance, examine its financial stability, customer feedback, coverage options, and claims process. Compare it with other insurers to make an informed decision. Additionally, check Universal Property Management reviews and contact the Universal Property phone number for further insights.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
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