Universal Property & Casualty Insurance Company (UPCIC) began in Florida in 1997 and currently provides coverage across 19 states. Our offerings include insurance for homeowners, renters, condos and landlords through our network of independent agents and our direct-to-consumer online platform.

We prioritize your payment.

Our Fast Track crew is equipped to process and pay claims on the spot. When disaster strikes, we help you get back on track as quickly as possible.

We care about you.

We’re here to help our customers. From natural disasters to unexpected occurrences, we’re ready. We care about you, your family and getting your life back on track.

We’re here to stay.

We’re a time-tested and resilient property insurer with over 20 years of experience. As one of the longest-standing property insurance providers in Florida, our catastrophe experience is extensive. We’re taking everything we’ve learned to bring superior coverage and customer service to new states.

Whether you need coverage for a house, condo or just the things inside of it, we have property insurance that will protect you when you need it most.

Universal Property & Casualty Insurance Company is committed to empowering and giving back to the communities it serves through its Universal Cares initiative. Since our founding, we have felt a responsibility to change things for the better.