Universal Property
Universal Property & Casualty Insurance Company is a Florida-based insurer providing homeowners, renters, condo, and landlord insurance across 19 states.
Last updated September 2, 2026
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Overview
Universal Property & Casualty Insurance Company (UPCIC) began in Florida in 1997 and currently provides coverage across 19 states. Its offerings include insurance for homeowners, renters, condos and landlords through independent agents and a direct-to-consumer online platform. The company is an admitted carrier with a Demotech rating of 'A (Exceptional)'.
History
Universal Property & Casualty Insurance Company (UPCIC) began in Florida in 1997 and currently provides coverage across 19 states. The company states it has over 20 years of experience and serves more than 800,000 policyholders today.
Products and positioning
Homeowners Insurance
Policies designed for owner-occupants of private residences, providing property and personal liability coverages.
Renters Insurance
Coverage for renters to protect personal property and liability.
Condo Insurance
Coverage for condominium unit-owners.
Landlord Insurance
Coverage for landlords.
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