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States we are in


As the company’s most densely populated state in terms of policyholders, Florida remains at the heart of Universal Property & Casualty Insurance Company. We’re headquartered in Fort Lauderdale and offer homeowners, renters and condo insurance throughout the Sunshine State. From Miami to Tampa and Orlando to Jacksonville, Sarasota, the Florida Keys and anywhere else you may reside in Florida, Universal has your home insurance needs covered!

What Is Covered by Your

Florida Home Insurance


Florida home insurance covers more than the actual structure you live in. Your policy can extend protection from your house or condo to the possessions inside and even medical expenses for others after a covered incident.

Dwelling (Coverage A):

This insurance coverage helps protect the physical structure of your home, such as the windows, roof and many other things that help create it.

Other Structures (Coverage B):

This type of insurance can extend coverage to structures on your property that are not attached to your home, such as a shed or fence.

Personal Belongings (Coverage C):

Safeguarding many things inside the four walls of your home, this coverage helps protect your personal belongings — like electronics, clothing and furniture — from damage, destruction and theft.

Loss of Use (Coverage D):

Also known as additional living expense coverage, loss of use works to reimburse you for extra expenses you incur when a covered peril forces you to temporarily move from your home.

Personal Liability (Coverage E):

Liability insurance is there for you if somebody is injured on your property, then sues you for damages and you’re found liable.

Medical Payments (Coverage F):

This type of insurance coverage helps to pay medical expenses if another person gets injured on your property.

A Local Agent Is Here for All Your Florida Needs!

If you’re in the Sunshine State and need help finding a policy, or simply have any questions, give us a call. We’re happy to help in every way possible!

The following coverages are offered to customers in Florida

  • Florida Homeowners Insurance
  • Florida Renters Insurance
  • Florida Condo Insurance
  • Florida Landlord Insurance