About Universal Property & Casualty
Universal Property & Casualty Insurance Company (UPCIC) is a Florida-domestic homeowners insurer headquartered in Fort Lauderdale, founded in 1997. It is the flagship insurance subsidiary of publicly traded Universal Insurance Holdings, Inc. (NYSE: UVE), and is one of the longest-operating property insurers in the state, with decades of experience underwriting hurricane-exposed coastal and Central Florida homes. Beyond Florida, UPCIC also writes homeowners coverage in a number of other states. The company offers homeowners, condo, and renters policies sold through independent agents.
Lines of Business
Universal Property & Casualty quick facts
| Financial strength rating | A (Exceptional) Financial Stability Rating from Demotech, affirmed September 9, 2026. Source: Demotech, Rating Information Disclosure Form (opens in a new tab); Demotech, Financial Stability Rating definitions (opens in a new tab). Checked October 14, 2026. |
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| NAIC company code | 10861 (Universal Property & Casualty Insurance Company) Source: Florida OIR, Examination Report of Universal Property & Casualty Insurance Company as of Dec. 31, 2023 (opens in a new tab). Checked October 14, 2026. |
| Home state (domicile) | Florida. A Florida domestic insurer based in Fort Lauderdale. Source: Florida OIR, Examination Report of Universal Property & Casualty Insurance Company as of Dec. 31, 2023 (opens in a new tab). Checked October 14, 2026. |
| In Florida since | Certificate of authority from the Florida Office of Insurance Regulation on December 31, 1997. Began writing in February 1998 by assuming policies from the Florida Residential Property and Casualty Joint Underwriting Association, which was renamed Citizens in 2002. Source: Florida OIR, Examination Report of Universal Property & Casualty Insurance Company as of Dec. 31, 2023 (opens in a new tab); Citizens, 2025 audited financial statements (Note 1) (opens in a new tab). Checked October 14, 2026. |
| How to report a claim | Online, by logging in to Universal's policyholder portal. Source: Universal Property, Claims for policyholders (opens in a new tab). Checked October 14, 2026. |
Ratings and Citizens takeout approvals change. Each fact links to the regulator, rating agency or carrier page we checked it on.
Getting a Universal Property & Casualty quote in Florida
Tell us what you need covered and we'll quote Universal Property & Casualty alongside our other carriers, then walk you through the differences in price and coverage. Universal Property & Casualty makes the final underwriting and pricing decision, and coverage can't be bound or changed through this website.
Universal Property & Casualty questions
Can Magnuson Insurance quote Universal Property & Casualty?
Yes. Magnuson Insurance, an independent agency in Lakeland, Florida, can quote Universal Property & Casualty for homeowners, renters, condo owners, and landlord coverage and compare it side by side with the other carriers we work with. Universal Property & Casualty makes the final underwriting and pricing decision, and coverage can't be bound or changed through this website.
What is Universal Property & Casualty's claims phone number?
Report a claim to Universal Property & Casualty at 800-470-0599. If you're a Magnuson Insurance customer, you can also call us at (863) 606-5147 during office hours (Monday to Friday, 9:00am to 4:30pm) and we'll help you report it and follow up.
How do I pay my Universal Property & Casualty bill?
Universal Property & Casualty bills its policyholders directly, so pay through Universal Property & Casualty's online payment page (linked on this page) or the phone number on your bill. Magnuson Insurance's own Make a Payment page is only for invoices the agency sends you, such as broker fees.
Florida insurance guides
Magnuson Insurance is an independent agency licensed by the Florida Department of Financial Services (agency license L104700). Universal Property & Casualty's name and logo are its trademarks. Claims numbers and links are Universal Property & Casualty's own; your policy documents have the final word. Last updated October 7, 2026.