Short answer: Universal Property & Casualty Insurance Company is Florida’s second-largest residential insurer and by far the largest insurer of condo units (HO-6), with about 3 of every 10 Florida condo unit policies. It is part of Universal Insurance Holdings (NYSE: UVE).
Last reviewed: October 2026
Universal Property in Florida, by the numbers
At July 31, 2026, Universal Property reported 582,637 Florida residential policies in force, ranking #2 among the 163 companies in OIR’s July 2026 report by residential policy count: 280,283 condo unit (HO-6), 236,100 homeowners, 54,301 allied lines, 11,908 renters, and 45 rental dwelling (DP). It reported 4,034 new claims opened in July 2026.
Source: Florida Office of Insurance Regulation, Monthly Market Intelligence Report, July 2026. Figures are company filings published without audit by OIR.
Before you call Universal
Your deadlines and Universal’s, in Florida
Where Universal claims most often need help
With more condo unit policies than any other Florida insurer, many Universal claims are condo water losses: a leak from the unit above, a common-pipe break, or a roof leak into the unit. Who pays depends on Florida’s master policy rule (§718.111(11)) and your HO-6. See master policy vs. HO-6. Florida’s $10,000 water-damage sublimit on some policies is another frequent issue: how it works.
How Homeland helps with your Universal claim
We represent you, not the insurance company. We read your policy, document the loss, prepare a line-item estimate, and handle the claim with Universal’s adjusters from start to finish, in English or Spanish. If Universal has already paid or denied, upload the letter or estimate to Claim Review for a free first read.
Frequently asked questions
Should I call Universal first?
Is Universal Property the same as UPC?
Does my Universal condo policy pay for damage from the unit above?
Sources: Florida Office of Insurance Regulation, Monthly Market Intelligence Report, July 2026; Fla. Stat. §627.70131; Fla. Stat. §627.70132.
Homeland Public Adjusters is not affiliated with, endorsed by or sponsored by any insurance company named on this page. Company names are used only to identify the insurer. This page is general information, not legal advice.
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Universal Property Claims We Handle
We represent property owners on Universal Property claims: homes, condo units, rentals, mobile homes, condominium associations and businesses, in English or Spanish. We work for you, never the insurer.
