Universal Condominium Insurance specializes in condominium and association insurance throughout Florida. Our agents cover the entire state and are specialists in their field. We believe our agents and staff are our greatest asset. Their experience, specialization, and knowledge are what make our agency stand apart. We have developed special programs specifically for condominium associations and we are always looking to negotiate better insurance programs for our client’s at the most competitive premiums. The property insurance market in coastal areas in Florida continues to be challenging and ranks last in the country for affordability and competitiveness. We continually monitor Florida's property insurance market to bring your association the best information available to ensure your board can make an informed decision on their association's insurance program. While there are many options for some associations, many associations are left to choose between Citizens and a newer admitted carrier. While financially solid admitted carriers exist in FL, there are many unsound admitted carriers in FL today, making this a difficult minefield to navigate. Our insurance specialist will help guide you through this process. We will help your board with the decision making process because the cheapest insurance could turn out to be the most expensive following a loss.