Universal Property & Casualty Insurance Company · NAIC 10861
Where Universal Property & Casualty Insurance Company is admitted, where it's eligible for surplus lines, the lines it's licensed for and how much of each it writes, from state regulators' public lists and market share reports.
Universal Property & Casualty Insurance Company (NAIC 10861) is a property and casualty insurer domiciled in Florida, part of Universal Insurance Holding Group. State regulators list it as licensed (admitted) in Delaware, Florida, Georgia, Hawaii, Iowa, Illinois, Massachusetts, Maryland, Minnesota, North Carolina, New Jersey, New York, South Carolina, Tennessee, Wisconsin. It ranked #12 of 135 in North Carolina homeowners in 2025 (1.8% share). It ranked #52 of 183 in Illinois homeowners in 2025 (0.2% share). It ranked #131 of 161 in Wisconsin homeowners in 2024 (0.0% share).
By Sam Alishahi, independent insurance broker · All companies
Where it's licensed
States whose regulator lists are loaded: Alaska, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Kentucky, Massachusetts, Maryland, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Jersey, Nevada, New York, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, West Virginia, Wyoming. Not on the lists we have for Alaska, California, Colorado, Connecticut, Idaho, Kentucky, Missouri, Mississippi, Montana, North Dakota, Nebraska, Nevada, Ohio, Oklahoma, Oregon, Rhode Island, South Dakota, Texas, Utah, Washington, West Virginia, Wyoming, which doesn't by itself mean it isn't licensed there.
| State | Status | Lines licensed | Since | Source |
|---|---|---|---|---|
| Delaware | Admitted (licensed) | — | — | Delaware, 2026-10-18 |
| Florida | Admitted (licensed) | Homeowners, Inland marine, General liability, Commercial property (fire and allied lines) | — | Florida Office of Insurance Regulation, 2026-10-18 |
| Georgia | Admitted (licensed) | General liability, Commercial property (fire and allied lines), Workers' compensation | — | Georgia, 2026-10-18 |
| Hawaii | Admitted (licensed) | — | — | Hawaii, 2026-10-18 |
| Illinois | Admitted (licensed) | Homeowners, General liability | — | Illinois, 2026-10-18 |
| Iowa | Admitted (licensed) | — | — | Iowa, 2026-10-18 |
| Maryland | Admitted (licensed) | — | — | Maryland Insurance Administration, 2026-10-17 |
| Massachusetts | Admitted (licensed) | — | — | Massachusetts, 2026-10-18 |
| Minnesota | Admitted (licensed) | — | — | Minnesota, 2026-10-18 |
| New Jersey | Admitted (licensed) | — | — | New Jersey, 2026-10-18 |
| New York | Admitted (licensed) | — | — | Excess Line Association of New York (DFS-licensed and eligible excess line insurers), 2026-10-17 |
| North Carolina | Admitted (licensed) | Homeowners, Commercial property (fire and allied lines) | — | North Carolina, 2026-10-18 |
| South Carolina | Admitted (licensed) | — | — | South Carolina, 2026-10-18 |
| Tennessee | Admitted (licensed) | — | — | Tennessee, 2026-10-18 |
| Wisconsin | Admitted (licensed) | Homeowners, General liability | — | Wisconsin, 2026-10-18 |
Method and source
Each row comes from the named regulator's public company list on the date shown, joined by NAIC number. "Admitted" means licensed by the state and backed by its guaranty fund; "surplus lines" means eligible to take risks the admitted market declines, without rate or form approval and, except in New Jersey (which has a separate surplus lines guaranty fund), without guaranty fund protection. Premium and rank come from state market share reports that list every company. This is a public-records directory, not a rating or recommendation; for the company's own filings use the NAIC's Consumer Information Source.
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