Universal Property & Casualty
NAIC #10861 · WWW.UNIVERSALPROPERTY.COM
Universal Property & Casualty presents itself as a broad, consumer-facing property insurance carrier with homeowners, condo, renters, and landlord/dwelling product references, policyholder service tools, claims resources, and digital self-service options.
Florida Availability
Statewide – largest FL homeowners carrier
Citizens Relationship
No Known Citizens Activity
Property Types
Primary/owner-occupied: Yes – secondary/seasonal acceptable; no primary-residence or alarm requirement stated; Rental: DP products accepted; HO rental/STR specifics not itemized – verify full UWG; Vacant: Not itemized in Highlights doc
Unique Programs
3
Company Overview
Universal Property & Casualty (UPCIC) is listed in this directory using the legal/OIR carrier record UNIVERSAL PROPERTY & CASUALTY INSURANCE COMPANY, with Florida authorization status shown as ACTIVE and a Florida licensed date of 12/31/1997. For homeowners, the current research points to this profile as best suited for: No credit check, no prior insurance required Florida availability is summarized as: Statewide – largest FL homeowners carrier Key underwriting considerations in the current source data include roof guidance (Not itemized – full UWG needed), home-age guidance (Not itemized – full UWG needed), electrical considerations, claims history, inspection requirements. Common eligibility concerns noted in the research include: Cannot be determined from documents currently on file – request full UWG Use this profile as a general guidance summary, not as a guarantee of approval or coverage availability.
Best Fit Homeowner
- No credit check, no prior insurance required
Eligibility Challenges & Hard Stops
Requires Underwriting Review
- No credit check/scoring; no prior insurance required; lapse 45 days = 10% surcharge, no wait
THE UNDERWRITING BOX
What Universal Property & Casualty will and won’t write.
Other Carriers to Compare
Not every agency carries this carrier.
Ask any independent agent specifically whether they’re appointed with this carrier before getting a quote — most only carry a fraction of the market.
Find an AgentThis profile is intended as a general research reference. Carrier appetite, underwriting rules, eligibility, pricing, and documentation requirements can change. Final eligibility is determined by the insurance carrier at the time of application.
Information last verified August 2026. This carrier’s underwriting/rate manual on file was last revised: December 8, 2025. Underwriting eligibility and product availability may change. Contact the carrier or a licensed agent for current requirements.