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Old 12-23-2007, 07:29 AM
 
Location: South Tampa
192 posts, read 1,074,924 times
Reputation: 132

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I received a non-renewal from Nationwide Ins (after many, many years without a claim) and am shopping for a homeowners' replacement policy for my south Tampa home.

The lowest quote so far is through an agency called MSM on south Willow Ave and the company is called Universal Property and Casualty. Can anyone offer any advice based on experience with these entities?

Many thanks...Tony in Tampa
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Old 12-23-2007, 07:53 AM
 
Location: palm harbor
471 posts, read 1,509,983 times
Reputation: 238
I received a quote from them for renter's insurance and after I sent them a check received a notice of an additional premium due. Since there was no reason given, I waited to find out from the broker why- answer was more than 6 mos. since I sold my house and last had insurance. Not true since my furniture was in storage and insured by the moving company.
Since I didn't send in the additional money soon enough for them, they sent me a notice of cancellation. By this time I was p#@@ed and since I would have to jump through hoops to resolve the issue, didn't want to send them any more money or deal with them any more. They sent me a refund less almost $100 for 30 days coverage.
Not saying not to use them, just be cautious. I was just more intent on making a point and showing my dissatisfaction by choosing not to do business with them.
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Old 12-23-2007, 09:43 AM
 
36 posts, read 177,814 times
Reputation: 19
Try Liberty Mutal...

I just dropped my insurer Erie (who I have been with for 22 years) and got more coverage for less cost than my renewal was. I did it all online direct with them. Even changed my auto coverage when I did a comparison. Wish I had done this years ago instead of just paying the increases year after year...what a rip off!

http://www.libertymutual.com/omapps/...orpHome&c=Page

One other thing, after you get your online quote....get the quote number, call their customer service dept and tweak it further ...my price on my auto went down after answering some questions that were not on the online application. And the guy I was talking to was in Florida, so I bet they write policies in Florida.

Good luck....
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Old 12-23-2007, 12:19 PM
 
Location: South Tampa
192 posts, read 1,074,924 times
Reputation: 132
Many thanks........and I'll link up to Liberty Mutual this afternoon and let you know what I learn.

Thanks again! Tony
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Old 12-23-2007, 02:07 PM
 
13,773 posts, read 33,831,619 times
Reputation: 10553
If you are over 50 you might check out AARP homeowners by Hartford.
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Old 12-23-2007, 03:41 PM
 
Location: South Tampa
192 posts, read 1,074,924 times
Reputation: 132
FYI I went to websites for both Liberty Mutual and Hartford AARP and both indicate that they aren't writing homeowner policies in Florida. Still, I appreciate the responses from you both....
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Old 07-11-2008, 08:44 AM
 
10,604 posts, read 14,132,083 times
Reputation: 17198
Quote:
Originally Posted by cariad View Post
I received a quote from them for renter's insurance and after I sent them a check received a notice of an additional premium due. Since there was no reason given, I waited to find out from the broker why- answer was more than 6 mos. since I sold my house and last had insurance. Not true since my furniture was in storage and insured by the moving company.
Since I didn't send in the additional money soon enough for them, they sent me a notice of cancellation. By this time I was p#@@ed and since I would have to jump through hoops to resolve the issue, didn't want to send them any more money or deal with them any more. They sent me a refund less almost $100 for 30 days coverage.
Not saying not to use them, just be cautious. I was just more intent on making a point and showing my dissatisfaction by choosing not to do business with them.
I was researching insurance on here and saw this post. This was the broker's error. I have Universal Property and my broker told me right away that they consider the lapse of insurance to be surchargable. In my case it was a bit over two months because I signed the lease here March 1 but didn't move in until May. Anyway, I paid the surcharge and it was only about 20.00 anyway. I think this broker of the poster didnt know what they were doing.

And IME, this is not atypical for insurance companies up North.
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Old 07-12-2011, 07:50 PM
 
1 posts, read 3,284 times
Reputation: 11
Default Universal property & casualty insurance co

Avoid UPCIC like the plague.........they have a track record of not paying their claims. I know after three years of personal experience. They are so kind until a problem (claim) arises and they search for every ridiculous reason to not pay what they should. Hoping you will give up or die.
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Old 07-12-2011, 08:08 PM
 
Location: Tampa, FL
3,237 posts, read 5,109,649 times
Reputation: 1492
I use Adcock Insurance on Fletcher Ave, they have always done me well. They will price around to get the best policy for you.
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