Universal Property Insurance Review & Ratings (2024)
Secure your home and belongings with Universal Property Insurance. Protect your property from unexpected risks and get peace of mind. Compare quotes now to find the best rates and comprehensive coverage tailored to your needs. Ensure the safety and security of your home and loved ones today. Trust in the experience and expertise of Universal Property Insurance, serving customers for over 20 years. Get the right protection for your home, condo, rental property, or landlord investment.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
Licensed Insurance Agent
UPDATED: Sep 16, 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 16, 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 and Casualty provides insurance products in 19 states.
- Universal Property and Casualty only sells home, renters, condo, and landlord insurance policies.
- You should always get at least three quotes before buying a policy.
Explore our comprehensive guide on Universal Property Insurance and its role in safeguarding your valuable assets, including universal property homeowners insurance. Within this article, we’ll delve into the key aspects of Universal Property Insurance, covering its range of coverage options, benefits, and why it’s a trusted choice for homeowners, condo owners, renters, and landlords. Additionally, we’ll touch upon universal insurance reviews to provide insights into the company’s reputation and customer satisfaction.
By grasping the significance of insurance coverage and the wide array of policies provided by Universal Property, you can confidently choose to safeguard your property and guarantee financial security. Understanding the offerings of Universal Insurance Property enables you to make well-informed decisions about protecting your assets and ensuring stability based on its Universal Insurance Rating.
Ready to find the best rates? Enter your zip code now and compare quotes from top insurance providers to get the optimal coverage for your needs. Protect your investment and gain peace of mind with Universal Property Insurance.
Who is the Universal Property and Casualty Company?
The Universal Property Insurance Company has been in business for more than 20 years. Its home office is in Ft. Lauderdale, and it is currently one of the largest providers of home insurance in Florida. Universal Property’s insurance coverage is not restricted to the Sunshine State, though. These days Universal Property provides home insurance in more than 15 states.
Universal Property only writes insurance for personal lines property and casualty products. These include:
- Home insurance
- Condo insurance
- Renters insurance
- Landlords insurance
While Universal Property is privately owned, this is no Universal Property and Casualty insurance agent team; instead, its products are sold independently.
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Is Universal Property and Casualty a good insurance company?
Partnering with a financially strong company is a wise move, especially when searching for an insurance provider to protect your home. A.M. Best awarded Universal Property and Casualty Insurance an A rating, indicating its reliability in handling claims. This assurance is crucial for homeowners seeking coverage from Universal Insurance Fort Lauderdale and Universal Insurance Homeowners.
If you’re in search of a company renowned for its satisfactory customer service, you’ll be pleased to discover that Universal Property boasts an A+ rating from the Better Business Bureau. However, it’s imperative to allocate time to examine Universal Property Insurance’s reviews to ascertain how well the company caters to its clients, especially concerning universal insurance company reviews and universal insurance Florida.
In case of a loss, you can easily get in touch with the claims department of Universal Property and Casualty, regardless of the day or time. You have the flexibility to either contact an agent directly to file your claim or utilize the online claims reporting form provided by the company. While browsing through the website, you might encounter a login section specifically designated for Universal Property and Casualty agents. It’s essential to note that this login section is separate from the client portal intended for policyholders of Universal Insurance Company Florida.
Here is a good tip if you ever need to file a claim: When it is safe to do so, take as many pictures of any damage your home or property has incurred after experiencing a covered loss, and while your first impulse may be to start cleaning, you should leave everything as it appears until an insurance adjuster can come to the scene.
While every insurance company on the market promises a quick turnaround time when it comes to processing claims, you must remember that every claim is different. You can keep an eye on your claim by staying in touch with the claims representative who is assigned to your case.
What types of coverage does Universal Property and Casualty provide?
You will not have to worry about missing out on good coverage if you purchase a policy from Universal Property. Now that you know what types of insurance products this company offers, let’s take a closer look at the coverages that come with each product.
Home Insurance
While a home insurance policy from the Universal Property and Casualty Insurance Company contains the standard coverages that you would find with many other insurance companies, you might be surprised at just how many additional coverage options Universal Property has to offer you.
Below, you can see just how many coverages are available for homeowners:
- Personal Property Replacement Cost
- Limited Water
- Limited Sewer Back-up
- Limited 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
Having so many options lets homeowners customize their policies so they know they are getting coverage that they need and want.
Condo Insurance
The Universal Property’s condo insurance policy offers coverage for the owner-responsible portions of the structure and personal property coverage. A condo policy also provides liability coverage. As was the case with its home insurance policy, Universal Property provides a plethora of optional coverages:
- Personal Property Replacement Cost
- Limited Water
- Limited Sewer Back-up
- Limited Sump
- Discharge or Overflow
- Limited Animal Liability
- Scheduled Jewelry or Other Personal Property
- Unit rented to others
- Mechanical Breakdown
- Personal Injury
- Loss Assessment
- Higher Personal Liability limits
With this wide range of coverage options available, Universal Property empowers you to make your condo policy as unique as you are.
Renters Insurance
Universal Property understands how important it is to provide protection to renters. While a renters insurance policy will not provide coverage for the house or apartment you are currently renting, you can rest easy knowing that you and your belongings are protected.
Universal Property and Casualty’s array of optional renters insurance coverages is actually quite impressive and makes it stand apart from other insurance companies. Universal Property allows you to add coverages like these to your policy:
- Personal Property Replacement Cost
- Limited Animal Liability
- Scheduled Jewelry or Other Personal Property
- Personal Injury
- Higher Personal Liability limits
- Limited Water and Sewer Back-up and Sump
- Discharge or Overflow
With such expansive policy options, renters will protect everything they bring with them, no matter where they go. Now, if you rent an apartment outside of Universal Property’s coverage area, you can shop online to find the best renters insurance.
Landlord Insurance
If you own a property that other people live in, Universal Property has covered you. With a landlord policy from Universal Property, you can protect your property from what comes your way.
Are Universal Property and Casualty rates affordable?
While Universal Property offers an online quoting form on the company website, sample rates are not provided. That being said, since Universal Property is a slightly smaller company, you can expect that the rates it has to offer you may be slightly higher than a home insurance policy from a larger company like Nationwide or Allstate.
Of course, you should always gather a multitude of free quotes from different companies because each one has a slightly different take on the underwriting process. Not only that, but each company offers different coverages. For example, while Universal Property’s quotes may be slightly more expensive, you may get a lot from coverage with it.
Compare between to five quotes to you can see which company can provide you with the best coverage at the best rates.
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Universal Property Insurance Claims Resolution Mastery
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Universal Property Insurance offers multiple convenient options for filing a claim. Whether you prefer to go online, make a phone call, or use their mobile app, the process is designed to be user-friendly. Online claims reporting can be especially handy for tech-savvy customers, allowing them to initiate the claims process from the comfort of their homes.
The availability of a mobile app also adds flexibility for on-the-go claim submissions.
Average Claim Processing Time
While every insurance company aims for a quick claims processing turnaround, Universal Property and Casualty Insurance reminds customers that each claim is unique. Therefore, the processing time can vary depending on the circumstances. It’s advisable to stay in touch with the assigned claims representative for updates on your claim’s progress.
Customer Feedback on Claim Resolutions and Payouts
Universal Property Insurance has received positive feedback for its claim resolutions and payouts. The company’s A+ rating from the Better Business Bureau is indicative of its commitment to providing decent customer service. Reading customer reviews can offer valuable insights into how well Universal Property Insurance handles claims, ensuring peace of mind for policyholders.
Universal Property Insurance Digital Insurance Innovations
Mobile App Features and Functionality
Universal Property Insurance offers a mobile app with a range of features and functionality. This app empowers customers to manage their policies, file claims, and access essential information on the go. It simplifies the insurance experience, making it more accessible and convenient for tech-savvy users.
Online Account Management Capabilities
The ability to manage your insurance policy online is a valuable feature offered by Universal Property Insurance. This online account management system allows policyholders to review policy details, make payments, and update information with ease. It’s a convenient way to stay in control of your coverage.
Digital Tools and Resources
Universal Property Insurance provides a wealth of digital tools and resources to help customers navigate the insurance process. From educational resources to tools for calculating coverage needs, these digital resources empower policyholders to make informed decisions about their insurance coverage.
Universal Property and Casualty: The Bottom Line
If you own a home or rent an apartment in one of Universal Property and Casualty’s coverage areas, you may want to do business with this company. The extra coverage that Universal Property offers is truly impressive. While the company doesn’t have every modern convenience, the Universal Property and Casualty payment tool online can help you keep from being late on any payments.
Now that you have read this in-depth Universal Property review, you are ready to start shopping for insurance. You can enter your ZIP code to receive free quotes from insurance companies near you.
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Universal Property and Casualty FAQs
Can I buy car insurance through Universal Property and Casualty?
Universal Property Insurance doesn’t write insurance for cars or motorcycles. If you need to find a good car insurance company, you should request free quotes from at least three companies so you can verify that you are getting the best deal possible.
Can I buy insurance for my business through Universal Property and Casualty?
No, Universal Property Insurance does not currently provide any commercial property insurance policies, but it does have a landlord insurance policy available.
Does Universal Property and Casualty sell life insurance?
Universal Property does not sell life insurance; however, if you are looking for a policy that can provide a financial cushion for your loved ones after you pass, you can shop online to find the best policy for your coverage needs.
Frequently Asked Questions
What is Universal Property Insurance?
Universal Property Insurance is an insurer offering coverage for individuals such as homeowners, renters, and landlords. Their insurance packages encompass protection against various perils, including theft, fire incidents, and natural calamities, specifically tailored for clients in Florida seeking universal home insurance.
Is Universal Property Insurance a reputable company?
Yes, Universal Property Insurance has a good reputation in the insurance industry. They have been in business for over 20 years and are rated “A” (Excellent) by A.M. Best, which is a leading rating agency for insurance companies.
What types of insurance policies does Universal Property Insurance offer?
Universal Property Insurance provides various insurance options, encompassing coverage for homeowners, renters, condominium owners, and landlords. This includes Universal homeowners insurance specifically tailored for Florida residents.
How do I get a quote for insurance from Universal Property Insurance?
You can get a quote for insurance from Universal Property Insurance by visiting their website or calling their customer service hotline. You will need to provide some basic information about your property, such as its location and value, in order to receive a quote.
What does Universal Property Insurance’s homeowners insurance cover?
Universal Property Insurance’s homeowners insurance covers a range of damages, including damage to your home’s structure, damage to your personal belongings, and liability coverage for injuries or damages that occur on your property.
How much does Universal Property Insurance’s homeowners insurance cost?
The cost of Universal Property Insurance’s homeowners insurance varies depending on factors such as the location of your home, the value of your property, and the coverage limits you choose. You can get a personalized quote by contacting Universal Property Insurance directly.
What is the AM Best rating for Universal Property and Casualty Insurance Company?
Universal Property Insurance has an AM Best rating of A (Excellent), reflecting its robust financial stability.
Where can I find Universal Property and Casualty Insurance Company photos?
Images of Universal Property and Casualty Insurance Company are usually available on their official website and in online business directories. For more details, visit the Universal Property and Casualty insurance agent login.
What is the universal insurance company rating?
The Universal Property and Casualty Insurance Company rating, often provided by agencies like AM Best, assesses the financial strength of University Property and Casualty.
How are Universal Property and Casualty Insurance Company reviews?
Universal Property and Casualty Insurance reviews often cover customer experiences with policy choices, the claims process, and overall service quality. These reviews can also offer insights relevant to Universal mortgage insurance.
How do I access the Universal Property agent login?
Authorized agents can access the universal property and casualty login through the Universal Property Insurance website, which also provides entry to the universal property claims portal.
What are the common Universal Property and Casualty complaints?
Universal Property and Casualty reviews often mention problems with claims processing and delays in customer service as common issues with the Universal Property Casualty Insurance Company.
How are Universal North America home insurance reviews?
Universal North America home insurance reviews often emphasize customer satisfaction regarding policy coverage, pricing, and claims service, reflecting positively on the Universal North America insurance rating and the offerings of Universal Properties insurance.
What states is Universal Property and Casualty Insurance Company in?
Universal Property and Casualty Insurance Company provides services in over 15 states, such as Florida, Texas, and New York, as noted in various universal property management reviews and reflected in their positive universal property insurance rating.
What services are offered by Universal Property and Casualty Insurance Company?
Universal Property and Casualty Insurance Company provides homeowners insurance, condo insurance, renters insurance, and landlord insurance. Check out universal property home insurance reviews and universal property insurance Florida reviews for more details.
What are allied trust home insurance reviews?
Allied Trust home insurance reviews typically cover the company’s service quality, coverage options, pricing, and claims procedure. Similarly, universal home protection reviews and Universal homeowners insurance reviews evaluate various aspects like coverage quality, customer service, and claims handling.
How reliable are financebuzz reviews for insurance companies?
Reviews from FinanceBuzz are trusted for their thorough assessments and customer input regarding different insurance companies, including those offering universal home insurance and Security First home insurance.
Is Universal Property and Casualty going out of business?
Currently, there are no signs on the website www.usinsuranceagents.com indicating that Universal Property and Casualty is facing closure.
Is Universal Property Insurance a good company?
Universal Property Insurance is widely regarded as a reputable company, backed by robust financial assessments and favorable feedback from customers in universal insurance agency reviews and universal auto insurance reviews.
Is Universal Property Insurance leaving Florida?
There are no current reports indicating that Universal Property Insurance is leaving Florida.
What is the frontline insurance rating by AM Best?
The AM Best rating for Frontline Insurance underscores its financial robustness and capability to fulfill its policyholder obligations, as evidenced by universal direct insurance reviews and universal home insurance reviews.
What is seguro universal?
“Seguro universal” translates to universal insurance, which typically refers to comprehensive insurance coverage options available in various categories.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
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.