Universal Insurance Company Insurance Review & Ratings (2024)

Universal Insurance Company Insurance offers affordable coverage for various needs, such as homeowners, renters, condominium, fire, flood, and property and casualty. They prioritize quality and budget-friendly options, ensuring reliable protection. Don't settle for less when it comes to insurance – choose Universal Insurance Company Insurance for dependable and affordable coverage.

UPDATED: Sep 13, 2024Fact Checked

Travis Thompson

Licensed Insurance Agent

Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...

Licensed Insurance Agent

Chris Abrams

Licensed Insurance Agent

Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...

Licensed Insurance Agent

UPDATED: Sep 13, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Sep 13, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Sep 13, 2024Fact Checked
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Universal Insurance Company

Average Monthly Rate For Good Drivers

$100

A.M. Best Rating:

A (Excellent)

Complaint Level:

Low

Pros

  • Diverse Range of Insurance Policies
  • Competitive Rates for Various Coverage Options
  • Excellent Customer Service and Claims Processing
  • Flexible Policy Options Tailored to Individual Needs
  • Positive Customer Testimonials and Reviews

Cons

  • Limited Availability in Some Regions
  • Discounts for Long-Term Customers Could Be More Substantial
  • Online Quote Process Can Be Simplified
  • Additional Coverage Options May Have Limited Customization
  • Some Policy Details Require Careful Review

There’s no reason not to consider a homeowners insurance policy with Universal if it’s an option where you live. But you should never make a decision about insurance coverage until you shop around and compare several insurance quotes online.

You can use online tools to help you find and compare top-rated companies’ rates to see where you can find the most affordable homeowners insurance that offers the coverage you’re looking for.

In fact, you can use our free tool below to find and compare homeowners insurance rates from top companies in your area today.

What You Should Know About Universal Property & Casualty Insurance Company

The Rundown

  • Universal North America offers homeowners, renters, condominium, and other types of property and casualty insurance
  • Universal Insurance Company allows policyholders to add coverages to their homeowners policies for additional protection
  • Universal North America has an A- (Excellent) financial strength rating with A.M. Best

Welcome to our comprehensive page on the insurance alternatives offered by Universal Insurance Company. In this article, we will explore the primary concerns associated with Universal Insurance Company, including their diverse selection of insurance products catering to renters, homeowners, condo owners, and individuals seeking coverage for fire and flood incidents.

Discover the importance of reliable and affordable insurance with Universal Insurance Company. They prioritize premium quality and cost-effective solutions. Enter your zip code below to compare offers from regional insurance authorities. Don’t miss out on the opportunity to secure the best coverage for your specific needs.

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Universal Property & Casualty Insurance Company Insurance Coverage Options

Universal North America Insurance Company, often mistaken online for Universal Property and Casualty Insurance company, sells property and casualty coverages in the United States.

If you choose Universal’s homeowners insurance for your house, you can expect coverage for the following:

  • Your dwelling, including any attached structures like a pool
  • Other structures on your property
  • Medical payments for any injuries sustained
  • Personal property and valuables, such as jewelry and heirlooms
  • Personal liability coverage
  • Loss of use
  • Loss assessment

In addition to the standard coverages listed above, which come with every Universal North America homeowners policy, you also have the option of adding supplemental coverages, including:

  • Scheduled personal property
  • Water damage
  • Home equipment protection
  • Personal injury
  • Rental to others
  • Increase limit of liability
  • Increased loss assessment
  • Personal property value loss settlement
  • Permitted incidence occupancies
  • Increased other structures
  • Seasonal or unoccupied property
  • Identity fraud expense
  • Expanded replacement cost terms

The add-ons listed above are completely optional, but they may appeal to you based on your unique needs as well as the needs of your family members and loved ones.

If you’re intrigued by what Universal has to offer so far, you are probably curious to know more about the cost of homeowners insurance with Universal North America.

Universal Property & Casualty Insurance Company Insurance Rates Breakdown

While Universal Insurance Company’s website has a lot to offer, the company does not appear to offer direct quotes online. This makes it difficult to know what you would pay for homeowners insurance.

But you can look at the average rates for your state in the table below to get an idea of what to expect.

Average Annual Homeowners Insurance Rates by State

StateAverage Annual Rates
Alabama$1,433
Alaska$959
Arizona$825
Arkansas$1,373
California$1,008
Colorado$1,495
Connecticut$1,479
Delaware$833
District of Columbia$1,235
Florida$1,951
Georgia$1,267
Hawaii$1,102
Idaho$730
Illinois$1,056
Indiana$1,000
Iowa$964
Kansas$1,584
Kentucky$1,109
Lousiana$1,968
Maine$882
Maryland$1,037
Massachusetts$1,488
Michigan$942
Minnesota$1,348
Mississippi$1,537
Missouri$1,285
Montana$1,174
Nebraska$1,481
Nevada$755
New Hampshire$972
New Jersey$1,192
New Mexico$1,017
New York$1,309
North Carolina$1,086
North Dakota$1,253
Ohio$862
Oklahoma$1,885
Oregon$677
Pennsylvania$931
Rhode Island$1,551
South Carolina$1,269
South Dakota$1,202
Tennessee$1,196
Texas$1,893
Utah$692
Vermont$918
Virginia$999
Washington$854
West Virginia$940
Wisconsin$779
Wyoming$1,156
Countrywide$1,211

Compare RatesStart Now →

Researching homeowners insurance rates by ZIP code in your state may be helpful, as where you live is an extremely important factor when it comes to the cost of coverage.

Also, you’ll want to keep in mind that the overall value of your home could impact your rates and cause them to look different from your state’s annual average.

Universal Property & Casualty Insurance Company Discounts Available

At Universal Insurance Company, we believe in providing not only comprehensive coverage but also ensuring that our policyholders can enjoy the benefits of cost savings. Explore the various discounts offered by Universal Insurance Company and discover how you can enhance your coverage while enjoying substantial savings.

  • Multi-Policy Discount: Combine and save! Universal rewards policyholders who bundle multiple insurance policies, providing a significant discount for those who choose to protect their home, auto, and more with us.
  • Safe Driver Discount: Your safe driving habits deserve recognition. Maintain a clean driving record, and Universal reciprocates with a discount that reflects our commitment to promoting responsible behavior on the road.
  • Good Student Discount: Investing in education pays off. Students excelling academically can benefit from our good student discount, acknowledging their dedication to both learning and responsible living.
  • Multi-Car Discount: For households with more than one vehicle, Universal offers a multi-car discount. This encourages families to consolidate their insurance needs, resulting in substantial savings across multiple vehicles.
  • Homeowner Discount: Owning a home comes with its perks. Universal acknowledges homeowners with a special discount, providing additional savings for those who have invested in their property.
  • Military Discount: As a token of gratitude to those who serve, Universal offers discounts for active-duty military personnel and veterans. It’s our way of saying thank you for your commitment and sacrifice.
  • Safety Feature Discounts: Prioritizing safety pays off. Vehicles equipped with anti-lock brakes, airbags, and anti-theft devices may qualify for additional discounts, promoting the importance of protective features.
  • Payment Discounts: Convenience meets savings. Opting for automatic payments or paying the annual premium in full can unlock additional discounts, making insurance more affordable for our valued policyholders.
  • Good Credit Discount: Recognizing the link between financial responsibility and insurance practices, Universal offers a discount for policyholders with good credit scores, encouraging responsible financial behavior.
  • Renewal Discounts: Loyalty matters at Universal. Policyholders who choose to renew their coverage with us may enjoy renewal discounts, demonstrating our appreciation for their continued trust and commitment.

Discover how these discounts not only make Universal Insurance Company an attractive choice for coverage but also empower our policyholders to navigate their insurance needs with financial ease.

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Effortless Claims Handling With Universal Insurance Company Insurance

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Universal Insurance Company offers policyholders an “easy online access” feature for various policy-related activities, such as making payments and accessing important documents. However, when it comes to filing a claim, policyholders are required to call the company’s customer service number.

The claims process involves speaking with a representative who will guide the policyholder through the necessary steps and provide information on the expected timeline for claim resolution.

Average Claim Processing Time

The article does not provide specific information about the average claim processing time for Universal Insurance Company. It’s advisable for potential policyholders to inquire with the company directly or consult their policy documents for more details on claim processing times.

Customer Feedback on Claim Resolutions and Payouts

While the article mentions Universal Insurance Company’s ratings, it does not provide specific customer feedback regarding claim resolutions and payouts. Prospective policyholders may want to explore online reviews and consult with current customers to gain insights into the company’s performance in handling claims.

Exploring Universal Insurance Company Insurance Digital and Technological Innovations

Mobile App Features and Functionality

The article does not provide detailed information about the specific features and functionality of Universal Insurance Company’s mobile app. Policyholders interested in mobile app capabilities should consider visiting the company’s website or contacting their customer service for comprehensive details on what the app offers.

Online Account Management Capabilities

Universal Insurance Company’s website offers policyholders “easy online access” for managing their accounts, making payments, and accessing policy documents. However, the article does not delve into the specifics of the online account management capabilities provided. Prospective policyholders are encouraged to visit the company’s website to explore the full range of online account management features.

Digital Tools and Resources

The article does not elaborate on the digital tools and resources available through Universal Insurance Company. Policyholders looking for information on the company’s digital tools, educational resources, or online support should visit the company’s website for a comprehensive overview of the available digital assets.

How Universal Property & Casualty Insurance Company Ranks Among Providers

In the highly competitive landscape of insurance, Universal Insurance Company navigates alongside key industry players. Let’s take a brief look at some of its main competitors, each contributing to the diverse choices available for consumers seeking reliable coverage.

  • State Farm: State Farm, with its extensive customer base, offers a broad spectrum of insurance products, from auto to home and life insurance. Known for financial stability, State Farm is a formidable competitor.
  • Geico: Geico, celebrated for its catchy advertising and competitive pricing, is a major force in the auto insurance market. A streamlined online experience and quick claims processing set it apart.
  • Allstate: Allstate, with a vast agent network, provides various insurance products, leveraging innovative tools like Drivewise. Their focus on technology and personalized service makes them a strong contender.
  • Progressive: Progressive, renowned for usage-based insurance programs like Snapshot, offers a range of coverage options. With a strong online presence, it appeals to customers looking for convenience and customization.
  • Nationwide: Nationwide, committed to customer satisfaction, stands out with a variety of insurance products and customizable policies. Their network of agents ensures a personalized approach to insurance.

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Does Universal have good ratings?

When it comes to ratings, Universal North America Insurance Company can be proud of its standings. A.M. Best gave the insurance company an A- (Excellent) financial strength rating and an overall outlook of stable.

The Better Business Bureau (BBB) has given Universal a B rating, and the BBB website shows that customers have rated Universal North America one out of five stars.

Frequently Asked Questions

What does Universal North America homeowners insurance cover?

Universal North America provides standard homeowners insurance coverage that includes property damage, personal liability, medical payments, and loss of use. Additional coverage options include earthquake, flood, identity theft, and home-sharing coverage.

How much are homeowners insurance rates with Universal?

Universal Insurance Company does not provide direct quotes online, but the average annual homeowners insurance rates by state can be found on the company’s website.

Is it easy to make claims with Universal?

Universal North America offers “easy online access” for policyholders to make payments and access their policy documents. However, claims must be filed by calling the customer service number. A representative will walk you through the process and provide a timeframe for hearing back.

Does Universal have good ratings?

Universal North America Insurance Company has an A- (Excellent) financial strength rating from A.M. Best and a B rating from the Better Business Bureau. The BBB website shows that customers have rated Universal North America one out of five stars.

Should I consider an insurance policy with Universal North America?

If you are looking for homeowners insurance coverage, Universal North America is worth considering if it’s an option in your area. However, it’s important to shop around and compare quotes from other insurance companies to ensure you are getting the best coverage and rates for your needs.

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Travis Thompson

Licensed Insurance Agent

Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...

Licensed Insurance Agent

Chris Abrams

Licensed Insurance Agent

Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Reviews
for Universal Property & Casualty Insurance Company

2.40 (86 reviews)
5
June 11, 2017

Yuliana

Best Insurance Ever

Last week I had an accident, hopefully everybody was ok. I had full coverage and they gave me the best costumer service. Thank you guys. 
5
June 9, 2017

Alex9753

Review Universal

Great Experience! I adore Universal, they have been a very good car insurance for my new Hyundai Tucson car.
4
May 26, 2017

ExzoOrozco

First big wreck! but it was easy. :)

Even though my car had over $8,000 in damages, my claim was handled swiftly and with very polite service. I can't think of a complaint of the whole process. I'm a patient person, but they exceeded the expectations of any person.
4
May 9, 2017

edleonstgo

Automotive Insurance Review

Its a company with many years in the market. Great service and quick response when you make a claim.
5
April 20, 2017

tee

insurance

great insurance for good price. Easy to apply and they take monthly payments. East to do business with.
4
March 29, 2017

Elsa Gibbons

Universal review

Please Let me if your Policy covers the rate of survival for family members and bank paying the balance of the Morgage.
5
May 20, 2016

Hedin Ray Mitchell

Universal review

I'm hoping this is the right place. I've been trying to all your money I think for an accident happened back in 2014. I think or January 2013, I can't quite remember, but anyhow, I will head down working with payments of $40 when I'm trying to do 50. I've been in the hospital and so I mean you're kind of struggling a little bit here or even worse than I was some email me back if this is the right place
1
July 2, 2015

Charity McNeely

Universal review

This is what it's like to get a bad review from me. Well deserved. If there were such a thing as negative stars, Universal Insurance Company would get -5 stars from me. ‪#‎UniversalInsuranceCompany‬ is THE WORST company I have ever had the frustration of dealing with, not only in the insurance field but in any field, anywhere, at any time. I would recommend them only to people who I despise, and only then to make sure they spend half of e...
This is what it's like to get a bad review from me. Well deserved. If there were such a thing as negative stars, Universal Insurance Company would get -5 stars from me. ‪#‎UniversalInsuranceCompany‬ is THE WORST company I have ever had the frustration of dealing with, not only in the insurance field but in any field, anywhere, at any time. I would recommend them only to people who I despise, and only then to make sure they spend half of each day in Universal Insurance Company's horrid automated hold line. I kept Universal for several years, without incident. Unfortunately, insurance is only useful when you DO have an incident. I was in an accident in May of this year which, by the other driver's admission and by the police report, was entirely not my fault. Since that time, Universal Insurance Company made several terrible mistakes, any one of which would have prompted me to find a new carrier. If you are interested in the details, I have, in my outrage, detailed them below. In Chronological order. Universal: 1) refused to help me with any information or legal advice about my car/claim/insurance adjuster 2) on every occasion kept me on hold for at least half an hour, even if I had a simple issue 3) took my deductible out of my settlement and send me a check without notifying me or having me agree to the process 4) lost my checking information which had been current and active for more than a year, instead reverting back to a closed account number, which almost resulted in a lapse in coverage as they did not call me and only sent me a notice by mail a few days prior to terminating my policy 5) raised my insurance rate after my accident (in the amount of $25 per month) after ASSURING me that it was NOT an at fault accident and would not change my premiums 6) after I canceled my policy and got new insurance through ‪#‎StateFarm‬(love those guys!) they sent me a bill for $125.00 with a notice that said it would be sent to a collection agency within 10 days 7) after the $125 bill sent me another for my increased insurance rate as if my policy is still in effect. 8)Today, stupidly, I called to try to tell the company, for their benefit more than mine, that I had canceled my policy and had paperwork from them proving it. Alas, I only briefly talked to an actual person who told me he would connect me in just a couple of minutes to someone and we could definitely sort it out. I spent 20-30 minutes on hold before giving up, for the very last time on this wretched company. May Universal Insurance Company at 770 Highland Oaks Drive Winston Salem, NC 27103, their incompetent staff, their awful, awful customer service, and that ugly letterhead burn in the fire of a thousand suns.
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