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Universal Property & Casualty

Universal Property & Casualty's complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.

F
Reputation grade
2.87
Complaint index
8
States active

The verdict

Universal Property & Casualty earns a F reputation grade - a significantly worse record than peers, according to the NAIC's published complaint index, its ratio runs 2.87, above the 1.0 market average.

F
reputation grade
2.87
NAIC complaint index
FFF
Reputation grade F (composite score 0.0) - A=Excellent, F=Failing. Based on NAIC complaint ratios and CMS denial data.

Graded on 1 of 3 measures: NAIC complaints. The score is rescaled across the measures available, so it is not directly comparable with a carrier graded on more of them.

How we calculated this grade →

NAIC CIS filing desk

NAIC 25933 F · 0.0

GRADE-F · INDEX-HOT · DENIAL-NONE · RANK-WORST · PHOTO-FINISH · LINES-1 · BOOK-RICH

  • GRADE-F F · 0.0
  • INDEX-HOT 2.87
  • DENIAL-NONE No CMS file
  • RANK-WORST #67/72
  • PHOTO-FINISH SafeAuto (Kemper) · F
  • LINES-1 1 line
  • BOOK-RICH 6/7 fields

Nearest complaint-index peer: SafeAuto (Kemper) (±0.00 index pts)

Instrument codes from this carrier’s NAIC Consumer Information Source filing: grade band, complaint index, CMS denial band, corpus rank, photo-finish peer, line book, and field completeness. Not an official NAIC rating.

Complaint-index neighbourhood around Universal Property & Casualty

Quietest and hottest poles plus nearest index peers, not a full NAIC corpus board reprint.

Universal Property & Casualty - complaint index neighbourhood

complaint index

What this shows According to PlainInsurer's dataset, Universal Property & Casualty has a lower (better) NAIC complaint index than 6% of the 72 rated insurers it tracks and ranks #16 of 17 carriers by complaint ratio in Home Insurance.

Source NAIC published complaint index (2024) As of 2026

Where Universal Property & Casualty sits on complaints

complaint index

What this shows Universal Property & Casualty's complaint index of 2.87 is 187% above the 1.0 market average for a carrier of its size.

Source NAIC published complaint index (2024) As of 2024

Universal Property & Casualty vs. the full rated-insurer dataset

287% 6th percentile more affordable than 6% of 72 rated insurers

Universal Property & Casualty 0% 425% all rated insurers, bucketed by value

Each bar is a band; taller bars hold more rated insurers. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source NAIC published complaint index (2024) · 2024

Scale vs. complaint-adjusted score

NAIC complaint counts with PlainInsurer composite scores (multi-vintage: NAIC MCAS + CMS TiC/MA when present), 72 rated insurers 2×2 strategic matrix plotting 30 entities by Total complaints → (X) and Composite score (higher = more friction) → (Y), with a crosshair dividing the plot into four quadrants. Large, high frictionSmall, high frictionLarge, low frictionSmall, low friction 02,0004,0006,0008,000 60708090100 Total complaints → Composite score (higher = more friction) →
NAIC complaint counts with PlainInsurer composite scores (multi-vintage: NAIC MCAS + CMS TiC/MA when present), 72 rated insurers

Complaint record by line of business

Line Est. complaints Complaint index States active
Home Insurance ~2,870 2.87 8

Home insurance market share

National ranking by direct written premiums, NAIC 2024

#14
Market share
1.13%
Direct written premiums
$1,953.7M
See the full market-share ranking →

What the NAIC filing desk shows for Universal Property & Casualty

According to PlainInsurer's dataset, Universal Property & Casualty has a lower (better) NAIC complaint index than 6% of the 72 rated insurers it tracks and ranks #16 of 17 carriers by complaint ratio in Home Insurance.

Universal Property & Casualty is outside the CMS marketplace file, but the claim-denial rate ranking shows what that data reports for the carriers it does cover. How complaint indexes place Universal Property & Casualty.

Nationwide insurers with similar scores or complaint volume

Two corpus-wide peer sets for Universal Property & Casualty: nearest national-scale carriers by composite score and by NAIC complaint volume. These are cross-market neighborhoods, not the corporate-family list or same-grade chips above.

Similar composite score

Nearest carriers by composite score (0.0 here). Floored at 50+ complaints and 5+ states.

Direct General (Allstate) 0.0 Gainsco Insurance 0.0 Infinity P&C (Kemper) 0.0 Root Insurance 0.0

Similar complaint volume

Nearest carriers by NAIC complaint count (2,870 here). Deduped against the score peers so the two sets stay distinct.

Principal Financial 3,010 complaints TIAA Life 2,707 complaints Mutual of Omaha 2,658 complaints Mercury Insurance 2,471 complaints
Aggregates only, not advice. Full terms on the disclaimer.

Questions about Universal Property & Casualty

What does Universal Property & Casualty's grade mean?
Universal Property & Casualty received a grade of F, indicating a significantly worse record than peers.
How many complaints does Universal Property & Casualty have?
PlainInsurer estimates Universal Property & Casualty's complaint volume at roughly 2,870 across 8 states, derived from its published NAIC complaint index and market footprint (NAIC does not release exact per-company complaint counts via public bulk data).
How do I file a complaint against Universal Property & Casualty?
File against Universal Property & Casualty through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is Universal Property & Casualty a good insurance company?
PlainInsurer's F grade for Universal Property & Casualty reflects a significantly worse record than peers relative to peers on published complaint and denial data.
What types of insurance does Universal Property & Casualty offer?
Based on NAIC filing data, Universal Property & Casualty reports activity in 1 line of business: Home Insurance. Availability varies by state.

Verify Universal Property & Casualty

Universal Property & Casualty is filed with the NAIC under company number 25933. Search that number directly in the NAIC's own public consumer-information tool to cross-check this page against the primary source.

Verify on NAIC Consumer Information Source

Source: NAIC published complaint index data Complaint index, reputation grade for Universal Property & Casualty · 2024

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Download the data behind this page

The full PlainInsurer extract, covering every insurer including Universal Property & Casualty, is available as CSV and JSON. Underlying federal data is public domain; see our methodology for the compilation and grading method.

Complaint-index dataset Download CSV Download JSON Read the data documentation
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Data: NAIC published complaint index (2024). Not affiliated with NAIC or CMS.

Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.