Demotech Affirms the Financial Stability Rating® Assigned to Universal Property & Casualty Insurance Company

Columbus, Ohio, August 9, 2021: The Financial Stability Rating® (FSR) of A, Exceptional, assigned to Universal Property & Casualty Insurance Company has been affirmed by Demotech, Inc. This level of FSR is assigned to insurers who possess exceptional financial stability related to maintaining positive surplus as regards policyholders, liquidity of invested assets, an acceptable level of financial leverage, reasonable loss and loss adjustment expense reserves (L&LAE) and realistic pricing.

FSRs summarize Demotech’s opinion of the financial stability of an insurer regardless of general economic conditions or the phase of the underwriting cycle. FSRs utilize statutory financial data based on insurance accounting principles prescribed or permitted by the National Association of Insurance Commissioners (NAIC). Since 1989, FSRs of A or better have been accepted by the major participants in the secondary mortgage marketplace.

About Universal Property & Casualty Insurance Company

Universal Property & Casualty Insurance Company (UPCIC or Company) is a leading writer of personal residential insurance products in Florida, with growing operations in the eastern United States and in Hawaii. UPCIC is committed to transacting business through independent insurance agents who are able to align customers’ homeowners insurance needs with the Company’s competitive products and coverage options. UPCIC understands the unique exposures presented by hurricanes and other catastrophes, as well as the types of non-catastrophe claims its customers experience from time to time. UPCIC’s dedicated claims team stands ready to assist homeowners when the need arises. For more information, visit

About Demotech, Inc.

Demotech, Inc. is a financial analysis firm specializing in evaluating the financial stability of regional and specialty insurers.  Since 1985, Demotech has served the insurance industry by assigning accurate, reliable, and proven Financial Stability Ratings® (FSRs) for Property & Casualty insurers and Title underwriters.  FSRs are a leading indicator of financial stability, providing an objective baseline of the future solvency of an insurer.  Demotech’s philosophy is to review and evaluate insurers based on their area of focus and execution of their business model rather than solely on financial size.  Demotech was the first to review and rate independent regional and specialty insurers. Demotech’s consistently increasing list of accreditations and acceptances has resulted in rating and reviewing more than 400 insurers operating in the US.  Visit for additional information.

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