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About us

Universal Direct is committed to providing the protection you deserve for your home and family. We’re simplifying the home insurance experience by providing you the ability to go online, get a quote for home, condo or renters’ insurance, and then add or remove coverages to directly see the impact to your bottom line. We recommend coverage amounts for your personal situation and break down everything we offer with clear-cut explanations so you know exactly what you’re getting. Transparency, empowerment and your satisfaction is what we work tirelessly for.

Universal Direct is backed by Universal Property & Casualty Insurance Company (UPCIC), a vertically integrated insurance company performing all aspects of insurance underwriting, distribution and claims. UPCIC is A+ Rated with BBB and has earned a Financial Stability Rating of A, Exceptional, from Demotech, Inc. Demotech, Inc. is a leading indicator of the financial stability of property insurance companies.

A Exceptional Fiancial Stability Rating® DemoTech, Inc.

This functional structure affords UPCIC the opportunity to take advantage of a unique combination of financial strength, analytical expertise and administrative speed. UPCIC has been in business since 1997. The company is servicing over 600,000 policyholders, is one of the three leading writers of homeowners insurance in Florida and is actively providing homeowners insurance in Alabama, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Maryland, Massachusetts, Michigan, Minnesota, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, South Carolina, Virginia, and Wisconsin.

The mission at Universal Direct and Universal Property & Casualty Insurance Company is to deliver exceptional service and value to our customers. We offer smart insurance solutions, financial security, and peace of mind. And on top of all of that, we never forget our most important job, serving our customers. We are always ready to stand by your side.

Through our competitively priced products, convenient installment billing plans and proactive claims management, we pride ourselves on superior service and strive for the fastest turnaround time possible on claims.


I would like to thank the team at Universal for all the help this past year regarding the policy for my new home. Everyone that I have dealt with has been informative, attentive, and helpful; these are rarely observed qualities in today's market place.

-David, Home owner

It was very frustrating to have a leak in my ceiling from the bathroom in the above apartment, with the ceiling buckling creating a hazard with the ceiling coming down.

When I reached a Universal associate, I found her to be so reassuring and friendly. She listened and then acted. I had a new hope for insurance companies and restored my confidence in the fact that there are people and businesses that really have goals of helping those that are affected by adverse circumstances. I needed to let you know that you are one of them!

-Sandra, Condo owner