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Universal Property Insurance: Costs, Coverage, and Reviews

Universal Property Insurance offers home insurance coverage in 17 states currently. The company focuses on providing quality insurance for homeowners, landlords and tenants. They specialize in Florida homeowners insurance as well as in other states. See if your home is a good fit for their insurance programs.
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Universal Property & Casualty Insurance is one of the largest home insurance companies in Florida. Founded in 1997, they offer a range of policies for homeowners as well as renters. Currently, the company provides insurance in 17 states throughout the country.

The company offers insurance in the following states:

  • Florida
  • North Carolina
  • South Carolina
  • Hawaii
  • Georgia
  • Massachusetts
  • Maryland
  • Delaware
  • Indiana
  • Pennsylvania
  • Michigan
  • Minnesota
  • Virginia
  • Alabama
  • West Virginia
  • New Hampshire
  • New Jersey
  • New York

The company focuses on providing home and building insurance. The majority of their insurance products are for homeowners. They do offer insurance coverage for landlords as well.

The company offers the following insurance options:

  • Homeowners
  • Renters
  • Condominium
  • Dwelling coverage
  • Other structures coverage
  • Dwelling fire
  • Personal property
  • Personal liability

Having started its operation in Florida, the company has a strong presence in the state. They also offer quality insurance options that meet Florida residents’ specific needs.

Coverage Types

Universal Property Insurance provides standard HO-3 coverage for homeowner insurance.

Their standard policy includes dwelling coverage. Dwelling coverage protects the actual structure from covered events. Some of these events include lightning, wind, fire, and theft.

Your policy also covers other structures on your property. These structures could include buildings such as garages, sheds, or shops.

Personal property protection covers the homeowner's personal belongings while in the home. This coverage will also cover you when traveling.

Personal liability coverage protects you in the event you are sued for injuring someone or destroying someone else’s property. This form of insurance covers your potential legal expenses. It also provides protection from judgments against you.

Universal does offer a dwelling fire policy option. This type of coverage protects a landlord's property.

More Features

In Florida, Universal’s coverage is a bit different. If you are looking for coverage in that state, you’ll need to pay close attention. For example, their insurance policy will not cover animal liability. That includes if someone were to sue you for damages inflicted.

In Florida, Universal excludes screen enclosures if the loss is due to a hurricane. They will provide $250 for evacuation costs if an evacuation was mandated by the government. These are few of the unique policy items included in Universal’s insurance coverage in Florida. Making sure that you understand all the details in your policy is important.

Best Homes for Universal Property Insurance

Not all insurance companies are equal. Finding the right insurance for you and your home is the goal.


  • Universal Property Insurance provides insurance coverage for landlords as well as homeowners.
  • The company has an "A" rating by Demotrech Inc.
  • Especially strong insurance products for Florida residents.


  • Universal Property Insurance is only available in 17 states. If you aren't located in one of them, this company is not an option for your homeowner insurance needs.
  • Florida residents need to pay careful attention to what their homeowner policy covers.

It's important to learn more about homeowner insurance before you buy. You need to understand what options you have and which options are best for you and your family.

Choosing insurance is one of the most important decisions you make to protect your home and a required part of the mortgage application process. If you are looking for a new home, start by connecting with an experienced local real estate agent. A good agent can help you understand the mortgage process as well as help you find the best home to buy.

They'll guide you through the entire process, from house hunting and applying for a loan to negotiations and closing. Your agent can ensure a great outcome while minimizing the stress along the way.


Jamie Ayers
Jamie Ayers

Jamie is the Director of Content at Clever Real Estate, the free online service that connects you with top real estate agents and helps you save thousands on commission. In the past, Jamie has managed columns for clients in a variety of leading business publications, including Forbes, Inc., CEO World, Entrepreneur, and more. At Clever, Jamie's primary goal is to provide home sellers, buyers, and investors with the information they need to successfully navigate the ins and outs of the real estate industry.

See all Jamie's Posts

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