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Universal Property & Casualty Insurance Company (the Company) is an admitted carrier with a Demotech rating of “A (Exceptional)” actively writing business in states of Alabama, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Maryland, Massachusetts, Michigan, Minnesota, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, South Carolina, and Virginia.

The Company offers a selection of products to meet the unique needs of homeowners, condominium unit-owners, renters and landlords, in addition to a variety optional coverages and payment plan options so that each policy can be tailored to fit your needs. The Company’s primary focus is to offer a comprehensive product at a competitive price for all lines of business.

Disclaimer: Some coverage options or discounts may not be available in all states. Please contact an agent for assistance with a quote and to discuss what options and/or discounts are available to you or in your state.

Homeowners Policy (HO2, HO3, HO5 and HO8)

Homeowners policies are designed to fit the needs of an owner-occupant of a private residence. The Homeowners policy provides property and personal liability coverages for the Dwelling, Other Structures, Personal Property, Loss of Use, Personal Liability and Medical Payments. These coverages protect against covered causes of loss such as fire, lightning, vandalism, windstorm and bodily injury or property damage to others.

Additionally, the Company offers optional coverages that add to, broaden or extend the coverages for exposures not included in the basic policy forms.

Some of the optional coverages include:

  • Personal Property Replacement Cost
  • Limited Water and Sewer Back-up and 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

Discounts available include:

  • Prior Insurance Discount
  • Claims Free Discount
  • Loyalty Discount
  • New Roof Discount
  • Burglar and Fire Alarm Discount
  • Sprinkler System Discount
  • Auto Companion Discount
  • Windstorm Protective Devices Discount
  • Fortified for Safer Living Discount
  • Occupants Over the Age of 65 Discount

Disclaimer: Some coverage options or discounts may not be available in all states. Please contact an agent for assistance with a quote and to discuss what options and/or discounts are available to you or in your state.

Condo Insurance / Unit Owners Policy (HO6)

The Condo insurance policy is designed for an individual condominium unit owner to provide property and personal liability coverage. The Unit Owners policy includes coverage for certain building items, such as interior surfaces and appliances, that are the responsibility of the unit owner and not the condominium association policy.

Additionally, the Company offers optional coverages that add to, broaden or extend the coverages for exposures not included in the basic policy forms.

Some of the optional coverages include:

  • Personal Property Replacement Cost
  • Limited Water and Sewer Back-up and 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

Discounts available include:

  • Prior Insurance Discount
  • Claims Free Discount
  • Loyalty Discount
  • Burglar and Fire Alarm Discount
  • Sprinkler System Discount
  • Auto Companion Discount
  • Windstorm Protective Devices Discount
  • Occupants Over the Age of 65 Discount

Disclaimer: Some coverage options or discounts may not be available in all states. Please contact an agent for assistance with a quote and to discuss what options and/or discounts are available to you or in your state.

Renters Insurance (HO4)

The Renters insurance policy is designed to fit the needs of a tenant-occupant of a dwelling, condominium or apartment unit when the property is used for residential purpose only. The Renters policy provides coverage for Personal Property, Loss of Use, Personal Liability and Medical Payment to Others.

Additionally, the Company offers optional coverages that add to, broaden or extend the coverages for exposures not included in the basic policy forms.

Some of the optional coverages include:

  • 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

Discounts available include:

  • Prior Insurance Discount
  • Claims Free Discount
  • Loyalty Discount
  • Burglar and Fire Alarm Discount
  • Sprinkler System Discount
  • Windstorm Protective Devices Discount
  • Occupants Over the Age of 65 Discount

Disclaimer: Some coverage options or discounts may not be available in all states. Please contact an agent for assistance with a quote and to discuss what options and/or discounts are available to you or in your state.

Landlord (DP1, DP2 and DP3)

The Dwelling Property coverage forms (often referred to as “Dwelling Fire”) are designed to fit the needs of a landlord to insure a rental or investment property used specifically for residential purposes and rented on an annual basis. The Landlord policy provides coverage for the Dwelling, Other Structures, Personal Property, Fair Rental Value and Additional Living Expenses.

All Dwelling Property policy forms include coverage to protect against the perils of fire and lighting. Additional perils are included in the DP2 and DP3 policy forms to protect against other property exposures.

Additionally, the Company offers optional coverages that add to, broaden or extend the coverages for exposures not included in the basic policy forms.

Some of the optional coverages include:

  • Premises Liability
  • Extended Coverage – Available under the DP1 Only
  • Vandalism and Malicious Mischief

Disclaimer: Some coverage options or discounts may not be available in all states. Please contact an agent for assistance with a quote and to discuss what options and/or discounts are available to you or in your state.