Low satisfaction scores accompany Universal Property & Casualty’s large Florida market share

Universal Property & Casualty Insurance Company, a significant player in Florida's homeowners insurance market, has received low satisfaction scores on platforms such as Google Reviews and Trustpilot. This information comes from a report by the Florida Office of Insurance Regulation.

According to the Florida Office of Insurance Regulation, as of June 30, 2025, Universal Property & Casualty reported 237,461 owner-occupied policies in force. The exposure for these policies is valued at over $131.5 billion, placing the company among the top carriers in Florida and serving numerous households across the state.

Google Reviews indicate consistently low satisfaction among policyholders. The company holds a 3.2-star rating based on more than 2,700 reviews. Many customers have cited challenges with claims handling, rate increases, and communication.

Trustpilot reviews are even more critical. According to Trustpilot, Universal Property & Casualty Insurance Company has a 1.1-star rating, with over 95% of reviewers rating the company as "bad." Customers frequently describe issues such as denial of claims, billing problems, and unresponsive service.

Universal Property & Casualty Insurance Company is a subsidiary of Universal Insurance Holdings, headquartered in Fort Lauderdale, Florida. Founded in 1997, it markets itself as one of the largest insurers of residential property in the United States. Despite its extensive reach, ongoing reputational challenges related to customer dissatisfaction continue to affect its public perception.