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Universal Property & Casualty Home Insurance

Universal Property & Casualty Insurance Co. (UPCIC) is a wholly-owned subsidiary of Universal Insurance Holdings Inc. (UIH) and is one of the leading writers of homeowners insurance in Florida.

UPCIC is also licensed and sells homeowners policies in North Carolina, South Carolina, Hawaii, Georgia, Massachusetts and Maryland.

It was founded in 1999 and is headquartered in St. Petersburg, Fla.

Another wholly-owned subsidiary of UIH, American Platinum Property and Casualty Insurance Co., writes homeowners multi-peril insurance on Florida homes valued in Excess of $1 million. Those are limits and coverages not targeted through UPCIC.

Traded on NYSE

UIH is traded on the New York Stock Exchange under the symbol "UVE." As a subsidiary of UIH, UPCIC has a strong relationship with a network of more than 5,700 independent insurance agents who focus on homeowners insurance.

UPCIC offers homeowner's insurance, renter's insurance, condominium policy insurance, and dwelling fire policy to protect the landlord's dwelling. Optional coverages for homeowners include scheduled personal property, identity theft restoration, equipment breakdown, water backup and sump overflow, special computer coverage and golf cart coverage.

Options for condos, floods

An option available under its condominium insurance is a "rented to others" endorsement.

You may be eligible for a "Water Loss Prevention Credit" if you provide UPC with a certification by a licensed plumber that all your home's plumbing system, connections, and appliances attached to the system that was connected to and inspected by a licensed plumber and are sound and free of defects.

You also can get a credit on your UPC homeowner's policy if you buy a UPC companion flood insurance policy.

Proprietary program for lifestyle

UPC has developed a proprietary insurance program that enables you to secure not only your home, but also your way of life. A number of contemporary lifestyle coverage options are available in the UPC Insurance Protector Homeowners Policy.

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