What does a Universal Property and Casualty homeowners insurance policy typically cover?

A typical policy includes coverage for dwelling, other structures on the property, personal property, loss of use, personal liability, and medical payments.

What's the difference between replacement cost and actual cash value coverage?

Replacement cost coverage pays to replace items at current prices, while actual cash value factors in depreciation when determining payouts.

How do I file a claim with Universal Property and Casualty?

You can file a claim by logging into your online account, calling 800-470-0599, or emailing claimshelp@universalproperty.com.

What information do I need when filing a claim?

Have your policy number, date of incident, claim type, description of damage, and any relevant images or documents ready.

What payment methods does Universal Property and Casualty accept?

They accept ACH payments via phone or online using U.S.-based checking or savings accounts, as well as checks, money orders, and cashier's checks by mail.

Can I pay with a credit or debit card?

Universal Property and Casualty does not directly accept credit or debit card payments, but your agent may be able to process a card payment on your behalf.

How long does it take for an online payment to post?

Payments made online or over the phone are posted to the policy in real time.

How can I view my policy documents?

You can log into your online account and navigate to the Documents tab to view your insurance documents.

How do I update my contact information or make changes to my policy?

Contact your agent for assistance with changes to your mailing address, name, coverage, or other policy details.

How do I reset my online account password?

Visit the Universal Property website, click 'Login,' then 'I Forgot' next to the password field, and follow the steps to reset your password.

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Universal Property and Casualty Insurance FAQ

Frequently Asked Questions

Coverage

What does a Universal Property and Casualty homeowners insurance policy typically cover?: A typical policy includes coverage for:
What's the difference between replacement cost and actual cash value coverage?: Replacement cost coverage pays to replace items at current prices, while actual cash value factors in depreciation when determining payouts.

Claims

How do I file a claim with Universal Property and Casualty?: You can file a claim by:
What information do I need when filing a claim?: Have your policy number, date of incident, claim type, description of damage, and any relevant images or documents ready.

Billing and Payments

What payment methods does Universal Property and Casualty accept?: They accept ACH payments via phone or online using U.S.-based checking or savings accounts, as well as checks, money orders, and cashier's checks by mail.
Can I pay with a credit or debit card?: Universal Property and Casualty does not directly accept credit or debit card payments, but your agent may be able to process a card payment on your behalf.
How long does it take for an online payment to post?: Payments made online or over the phone are posted to the policy in real time.

Policy Management

How can I view my policy documents?: You can log into your online account and navigate to the Documents tab to view your insurance documents.
How do I update my contact information or make changes to my policy?: Contact your agent for assistance with changes to your mailing address, name, coverage, or other policy details.
How do I reset my online account password?: Visit the Universal Property website, click "Login," then "I Forgot" next to the password field, and follow the steps to reset your password.

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Blake Insurance Group

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Blake Nwosu

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Expertise: All personal and commercial line insurance, including auto, home, business, health, and life insurance.

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