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      Universal Property and Casualty Insurance Company Battlecard

       

      Universal Property and casualty

       



      Phone Number(s):

      • Customer Service and Underwriting: (800) 425-9113
      • Live chat is available on the website from 8:30 AM to 5:30 PM EST

       

      Email(s):

      • Customer Service: CustomerService@UniversalProperty.com
      • Underwriting: Applications@EvolutionRiskAdvisors.com

       

      Customer Service Hours of Operation:

      • Monday to Friday 8:30 AM to 6:00  PM EST

       

      Current Lines of Business/States:

      • HO3, HO4, HO6, DP3: AL, DE, FL, GA, IA, IL, IN, MA, MD, MI, MN, NC, NH, NJ, NY, SC, VA, WI

       

      Carrier Access:

      • Individual log in. Be sure to save to Last Pass. 

       

      Quote Bots:

      • No quote bots for this carrier

       

      Application Type: 

      • DocuSign 

       

      Carrier Market:

      • No credit check or insurance scoring for HO3, HO4, HO6, HO8, DP1, DP2 & DP3
      • Coastal risks with wind are acceptable
      • No Water Coverage Exclusion on HO3/HO6
        • Regardless of age
      • No Acreage Restrictions
      • Screen enclosure coverage provided
      • Diving Boards, Pool Slides & Trampolines are Acceptable
        • Liability coverage excluded from those items
        • Included in Coverage A
      • Limited Prior Losses are acceptable
        • Acts of God/”Cat” Losses (HO3) are acceptable
        • 1 Prior Loss (other than sinkhole) in the last 5 years is acceptable
      • No Prior Insurance Required
      • No surcharge for up to a 45-day lapse
        • Lapse greater than 45 days - Acceptable with a 10% surcharge
      • Secondary / Seasonal Residences are acceptable

       

      Important Guidelines:

      • 100 % Replacement Cost Value (RCV) must be used as the Coverage “A” limit on all forms except the HO4 and HO8
        • For the HO8 policy form: 100% Actual Cash Value (ACV) may be used as the Coverage “A” limit when the Optional
      • Properties over 100 years must be written at ACV
      • For any roof types 25 (15 in Florida) years or older, the company may request proof of remaining useful life at the homeowner’s expense.
      • A four-point inspection must be provided for properties older than 40 years (except HO4, HO6, and HO8).
      • The following risks are unacceptable:
        • Commercial Property
        • Properties for which coverage is either below the minimum limits or above the maximum limits are shown in the respective section of the Rate/Rule Manual.
        • Properties that have been condemned due to condition, properties located in a condemned area, or properties in an area scheduled to be condemned due to urban renewal or highway construction.
        • Property in Disrepair / Existing Damage / Builders Risk
        • Properties (dwellings) located on a farm, ranch, orchard, or grove; or where farming activities or ranching operations take place.
        • Manufactured Homes, Mobile Homes, Trailer Homes, or House Trailers
          • Exception: Modular construction is subject to underwriting review before binding.
        • Buildings or structures that are homemade rebuilt, or remodeled without required building permits.
          • Exception: If approved by the local government building or zoning department and a certificate of occupancy has been issued and is submitted with the unbound application.
        • Unusual Construction
          • Properties that cannot be accurately valued using an RCE (e.g., dome homes, tree houses, etc.).
        • Vacant or Unoccupied Property
        • Short Term Rentals
          • Properties rented on a less than annual basis, properties rented on multiple lease agreements within one year, or properties where home-sharing host activities take place.
        • Property Constructed Over Water or Sand
          • Any structure where a portion of the foundation or support for the dwelling is constructed on or over water; or on pilings driven into or concrete slabs poured onto sandy beach; or on river banks or surfaces in areas susceptible to erosion.
            • Exception: Properties built over sand are subject to underwriting review before binding. 
          • Open Foundation
          • Properties with an open foundation (stilts, piers, pilings, etc.) are ineligible for coverage under HO3 or HO5
        • Properties located in a protection class 10; or c. Log Homes located in a protection class 1X – 8X, 1Y – 8Y, 8B, 9 or 10. 25. 
        • Excessive or Unusual Liability 
          • Exposure Properties with excessive or unusual liability exposure, including but not limited to abandoned vehicles or appliances, treehouses, or unprotected swimming pools and spas. 
        • Any property with existing or prior sinkhole damage. Any applicant with an existing or prior sinkhole loss. 

       

      Additional Resources: 

      • Carrier Website Resource Section: You will find state-specific forms, binding guidelines, and other carrier-specific information.
      • Universal Property and Casualty does not require customers to have an email by using noemail@upcic.com and they do mail out the policy jacket and declaration to every customer. Regardless, we should only bind if the customer has access to an email to ensure documents are signed/retained on our end.
      • UPCIC Review