At a glance
- Organization
- Universal Property and Casualty
- Type
- Insurance carrier
- Founded
- 1997
- Base / focus
- Fort Lauderdale, Florida
- Specialty
- Homeowners, renters, condo, and landlord coverage
- Official site
- Visit Universal Property and Casualty
Who is Universal Property and Casualty?
Universal Property & Casualty Insurance Company (UPCIC) was organized in 1997 and began writing in 1998 by assuming Florida homeowners policies from the state’s Residential Property and Casualty Joint Underwriting Association. It is based in Fort Lauderdale, Florida, and is part of Universal Insurance Holdings. The company says it now offers homeowners, renters, condo, and landlord insurance through independent agents and a direct platform across multiple states.
Universal Property & Casualty Insurance Company is a property and casualty insurer. Its consumer site uses the shorter name Universal Property & Casualty and focuses on residential property: homes, rentals, condos, and landlord policies.
The company is not a personal auto carrier. Households that need cars and homes insured together usually pair a Universal property policy with a separate auto market.
Key facts
- Organized in April 1997; incorporated in Florida on November 3, 1997
- Received its Florida certificate of authority on December 31, 1997
- Began in February 1998 by assuming homeowners policies from the Florida JUA
- Principal office in Fort Lauderdale, Florida
- Wholly owned, through Protection Solutions, Inc., by Universal Insurance Holdings, Inc.
- Markets homeowners, renters, condo, and landlord coverage through independent agents and online
History
Universal Insurance Holdings organized UPCIC in April 1997 so the group could take on residential property business. Florida regulators approved the company’s certificate of authority on December 31, 1997. UPCIC was incorporated on November 3, 1997.
In February 1998 the company began by assuming homeowners policies from the Florida Residential Property and Casualty Joint Underwriting Association. It later shifted to writing new business through independent agents.
A Florida Office of Insurance Regulation examination as of December 31, 2023, describes UPCIC as a wholly owned subsidiary of Protection Solutions, Inc., which is owned by Universal Insurance Holdings, Inc. The company’s about page says coverage is offered across 19 states, through independent agents and a direct online platform.
Products Universal offers
Universal’s public product list is residential property:
- Homeowners insurance
- Renters insurance
- Condo insurance
- Landlord insurance
- Distribution through independent agents and a direct-to-consumer site
Who Universal serves
Universal serves homeowners, renters, condo owners, and landlords in the states where it is authorized to write, using independent agents and its own website.
The company started as a Florida homeowners writer. Its current about page describes a wider footprint. A property still has to meet underwriting rules for the state and the form.
Coverage focus with Epic and Easy
We look at Universal when clients need:
- A homeowners quote beside other property carriers we represent
- Renters or condo coverage for a residence the home form does not fit
- Landlord coverage for a rental dwelling
- A property-only placement, with auto written separately if the household needs both
Who it’s for in Virginia
Universal can be part of a Virginia property comparison when we are appointed and the home, condo, rental, or landlord risk qualifies.
We still shop the regional and national property markets we represent. Universal is one option in that set, not a default for every address.
How Epic and Easy helps
We collect construction, roof, occupancy, and updates, then compare Universal with the other homeowners, renters, condo, and landlord markets we can access.
We read the quote for dwelling limit, deductible, and whether flood or wind is included or excluded. Those answers come from the form, not from a general description of the company.
Universal Property and Casualty FAQs
What does Universal Property and Casualty insure?
The company markets homeowners, renters, condo, and landlord insurance. It is a property insurer, distributed through independent agents and its own website.
When was the company founded?
Universal Property & Casualty Insurance Company was organized in 1997, incorporated on November 3, 1997, and licensed in Florida on December 31, 1997. It began assuming Florida homeowners policies in February 1998.
Where is Universal based?
The company’s principal office is in Fort Lauderdale, Florida. It is part of Universal Insurance Holdings.
Is Universal an independent-agency carrier?
Yes. Universal says it sells through a network of independent agents and also offers coverage on a direct online platform.
Does Universal write in more than Florida?
The company began in Florida. Its about page says it now provides coverage across 19 states. Whether a specific property can be quoted depends on the state, the form, and underwriting.
Can Epic and Easy quote Universal?
When we are appointed and the property qualifies, we compare Universal homeowners, renters, condo, or landlord options with the other property carriers we represent.
Sources & methodology
This profile summarizes publicly available information from the organization’s official website and related authoritative pages. Product lists describe what the organization markets broadly and do not guarantee availability through Epic and Easy in every ZIP or risk class.
Coverage, eligibility, pricing, and underwriting rules vary by state, product, and applicant. We do not invent AM Best scores, claim counts, or proprietary premiums on this page.
Advertiser Disclosure: Epic and Easy may be compensated when you request a quote or purchase coverage through our agency relationships. Compensation may influence which products we can offer. Carrier availability varies by product, ZIP, and underwriting. Product lists on this page describe what Universal Property and Casualty markets broadly and do not guarantee that every product is available through Epic and Easy in every location. This page does not invent ratings, claim counts, or proprietary premiums.