If I could give NEGATIVE stars I would! If I could give NEGATIVE stars I would! This company is by far the worst company to work with in regards to a claim. They take their time, low ball you and then force you to sign for a final settlement WITHOUT them providing you a breakdown of what they are paying. It has been MONTHs and we are still waiting. TAKE MY ADVICE - get another company for your homeowners insurance.

if i could give 0 stars i would if i could give 0 stars i would. My mom had to open a claim for my elderly grandfather in 2020 due to major leak in the roof which caused the ceiling in the room to cave in. A year ago i had to replace the roof with my own money because waiting for them wasn't going to make anything better. We are now in 2022 and the claim is still OPEN. You call, they take forever to answer and when they do answer they say they will have someone call you back and they do NOT. I emailed the universal attorney that is working on this case with the power of attorney and also my grandmothers death certificate and they have yet to reply. As an insurance agent myself this is probably one of the WORST home insurance companies to insure your home with. STAY WAY !!

Hate this company!! Hate this company!!! Made my life a nightmare for over 6 years for nothing. Could have settled my claim... instead gave me the run around, I hired lawyers, my hone was burned but fixable, went to trial and won!!! Too bad the home has been torn down by the city, my mortgage went into foreclosure and I literally moved 15 times, sometimes living in a storage unit. Shame on them!!!! I purchased my policy from a licensed agent, I know nothing about insurance and they had the nerve to tell me to read the fine print. Karma.

lack of professionalism and calm and courtesy The lack of communication, little to no updates, emails, texts, and lacking of professionalism on our case over 120 days. I would not recommend this company for home insurance.

UNIVERSAL PROPERTY AND CASUALTY IS A… UNIVERSAL PROPERTY AND CASUALTY IS A SCAM BUT GOD FORBID THEIR PREMIUM NOT BEING PAID! YOU WILL REGRET IT!!!SCAM COMPANY!HOME INSURANCE COMPANY! 1 MILLION EXCUSES, WORST HOME INSURANCE COMPANY ON PLANET EARTH!