Universal Property & Casualty home insurance in Florida
NAIC #10861 · WWW.UNIVERSALPROPERTY.COM
This page summarizes publicly available information about Universal Property & Casualty and general questions to prepare before you ask for a quote. For Universal Property & Casualty, start with the roof age and type. Then check the pipes, panel, wiring, and home use. Review past claims too. Keep proof of each update or repair. Universal Property & Casualty requirements can change and must be confirmed for the current form, address, and effective date. Only the carrier can determine eligibility. Ask an appointed agent to check the latest guide for your home.
Active & FL-Licensed Since 1997
NAIC #10861
FEIN not yet verifiedFlorida Availability
Statewide
Citizens Relationship
No Known Citizens Activity
Property Types
Occupancy, rental use and vacancy are reviewed under detailed program rules. No current public rule identified; confirm the treatment of your property’s actual use with an appointed agent
Unique Programs
3 identified
Where Universal Property & Casualty Writes Coverage
Statewide; widely reported as one of the largest Florida homeowners carriers.
Availability can change by county and program. Confirm current openings with an agent.
Universal Property & Casualty is listed under the Florida OIR record UNIVERSAL PROPERTY & CASUALTY INSURANCE COMPANY, with an active Florida license dating to December 1997. Availability is summarized as statewide, and Universal is widely reported as one of the largest Florida homeowners carriers by policy count. Ask an agent how credit, prior insurance and other applicant factors are treated under the current program. Confirm current openings with a Florida-licensed agent, or browse all carrier profiles.
Key Takeaways
General Eligibility Considerations
What to confirm with Universal Property & Casualty or an appointed agent
This profile provides public company information and a general checklist of factors to discuss before requesting a quote from Universal Property & Casualty. It does not reproduce the carrier’s complete underwriting guide or determine whether a specific property or applicant will qualify. Current requirements may vary by program, policy form, county, property condition, applicant, and effective date. Confirm every eligibility question with Universal Property & Casualty or a Florida-licensed agent appointed with the carrier.
Public Information
What public materials state about Universal Property & Casualty
GLOSSARY
Terms Used on This Page
Four-point inspection
A check of the roof, pipes, wiring, and heating and cooling systems.
Learn more →UMVI
A carrier form named in the source. Ask the agent why the form is needed.
BEFORE YOU ASK FOR A QUOTE
Questions to Ask Before a Quote
- Does your agency work with this carrier and policy type?
- Is the carrier open for new business at this address?
- Does the roof meet the current age, type, and condition rules?
- Will the carrier ask for a four-point, wind, roof, or other inspection?
- Do the pipes, wiring, heating, cooling, and water heater meet the rules?
- How would Universal Property & Casualty pay for roof damage? Would it use replacement cost, actual cash value, or a roof schedule?
- What are the hurricane and all-other-perils deductibles?
- Are there water, mold, animal, pool, or other limits?
- Which forms or records should you send before the quote?
PAPERWORK
Records to Gather
For an Universal Property & Casualty review, bring the roof permit and the latest inspection. Keep bills for work on the roof, pipes, wires, or heating system. List old claims and how each repair was made. Send clear photos only when asked, and keep a copy of each file.
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Eligibility Guides
Roof age, plumbing, electrical and prior claims: how each factor affects which carriers will consider your home.
Need a specific insurance company?Get a quote from your Florida-licensed agent
Your request will show that it came from the Universal Property & Casualty page. Our team will follow up to review your request and explain the next step.
- Florida-licensed agent
- Help with all property types
- No obligation
- Quotes typically back within 24 to 48 hours
Represent one of our carriers?
If you’re an appointed agent for a carrier listed in this directory, or you represent a Florida carrier we haven’t listed yet, reach out. We regularly hear from homeowners specifically looking for someone who carries a particular company. We’ll connect you directly.
FloridaHomeInsurances.com is an educational resource operated by a Florida-licensed insurance agency (see About). It is not an insurance carrier or underwriting decision-maker. Information on this site summarizes publicly available materials and general market considerations. General ranges are educational only; they are not a carrier’s complete underwriting guidelines, a quote, an offer, or a guarantee that a property or applicant will qualify. Availability, eligibility, pricing, coverage, forms, inspections, and documentation requirements can change and may vary by carrier, policy form, county, property, applicant, and effective date. Before relying on any figure or description, confirm the current requirement directly with the carrier or a Florida-licensed agent who is appointed with that carrier. The issued policy and the carrier’s current underwriting decision control.