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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 Panhandle and anywhere else you may reside in Florida, Universal has your home insurance needs covered!

The following coverages are offered to customers in Florida

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

Which Factors Can Influence Rates in Florida?

Numerous factors, some within your control and others not, contribute to the premium cost of a Florida homeowners insurance policy. Key determinants include coverage levels and deductibles, which denote the policyholder's out-of-pocket expense in the event of a claim.

Wind mitigation is also a crucial element of some home insurance policies in Florida. Given the frequency of hurricanes and tropical storms in Florida, safeguarding homes against wind damage is crucial. This not only ensures safety but also translates to substantial insurance savings. Let's dive into the pivotal role of wind mitigation in safeguarding your property and finances.

Why Wind Mitigation Matters in Florida

Living in Florida means enjoying its sunshine but also preparing for its storms. Wind mitigation is all about making homes more resistant to the fierce winds from storms and hurricanes. By adopting these measures, homeowners can not only protect their homes but also enjoy savings on their insurance premiums. It's a smart move for safety and savings.

Key Wind Mitigation Features Explained

1. Roof Covering: This pertains to the materials used for your roof, such as shingles, tiles, or metal. Quality roof coverings that meet state-approved standards are more resilient against wind and can help prevent water intrusion during storms.

2. Roof Geometry: The shape and design of your roof play a pivotal role in how it withstands wind. Hip roofs, which slope on all four sides, are usually more wind-resistant than gable roofs, which have two sloping sides that form a triangle.

3. Roof Deck Attachment: This refers to how the roof deck or sheathing is attached to the underlying structure. Properly nailed and reinforced roof decks can provide greater protection against uplifting winds.

4. Roof to Wall Attachment: This feature focuses on how the roof is connected to the walls of the house. Methods like using metal connectors or straps can make this connection stronger, ensuring the roof doesn't get blown off during intense winds.

5. Secondary Water Resistance: Often referred to as SWR, this barrier is added to prevent water from entering the home if the roof covering is blown off or damaged. SWR can drastically reduce the chances of roof leaks during a storm.

6. Opening Protection: This pertains to the protective measures for windows, doors, and skylights. Using impact-resistant glass or protective coverings, like shutters, can prevent flying debris from breaking these openings and causing indoor damage.

How to Qualify for Insurance Discounts with Wind Mitigation

Want to enjoy the dual benefits of a safer home and reduced insurance premiums? Consider arranging for a Wind Mitigation Inspection by a qualified inspector. Many insurance companies in Florida offer premium discounts for homes with wind mitigation features, recognizing their potential to reduce claim costs.

To Qualify:

1. Find a Qualified Inspector: It’s important to choose a qualified inspector to conduct Wind Mitigation Inspections. They'll be familiar with the specific requirements and standards of the state. Your insurance agent can assist you in the process of locating an inspector.

2. Schedule an Inspection: Once the inspection is complete, you'll receive a report detailing the wind mitigation features of your home.

3. Submit the Report to Your Insurance Company: Provide your insurance company with the completed report. Depending on the features present in your home, you could qualify for premium discounts.

How to Get a Quote for Florida Homeowners Insurance

To get a quote for Florida homeowners insurance, simply utilize our online quoting engine. Just fill in a few details about your home, we’ll run the data and figure out what type of policy and how much coverage you need. You can get a policy in minutes so you can get back to life quicker.

If you prefer to speak to an agent, you can locate one here: https://universalproperty.com/find-agent/