Do NOT USE THIS COMPANY Horrible customer experience, little to no communication. Very slow to respond and no proactive updates on their part. I am in area that was hit by a severe hail storm, visible damage via the tar pebbles now covering my patio and the company said there was zero evidence of any storm event in my area. We have video evidence of 1" + hail coming down?

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!

Adayshia Adayshia, the rep I spoke with on phone, solved my problem in record time without transferring me or losing me. Their App, of course, was as worthless as all the customer service Apps I waste time on before calling, but I only gave it a chance because it was too early to call. The info it gave was confusing (I'm a math. physicist), disturbing, and wrong. Just call. Calling shortly after they open seems to be a good strategy to avoid waiting.

This company's practices in settling… This company's practices in settling claims is criminal. I lost an entire condo of furniture, cabinets, bathroom vanities, carpet, etc due to water damage and mold and they paid 40,000 against coverage of 200,000. Mediation a joke. Going to court. Do not rely in this company for your home owners insurance.

If could rate less would If could rate less would. I paid for full-year coverage, received the policy, and within 30 days a notice of cancellation was issued without contacting the policy owner, horrible customer service experience, and run around after run around. No claim, or change in resident. To make matters worse, received a partial refund of the full policy payment.