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.

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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

UPDATED: Nov 28, 2023

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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.

What does Universal North America homeowners insurance cover?

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.

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How much are homeowners insurance rates with Universal?

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
District of Columbia$1,235
New Hampshire$972
New Jersey$1,192
New Mexico$1,017
New York$1,309
North Carolina$1,086
North Dakota$1,253
Rhode Island$1,551
South Carolina$1,269
South Dakota$1,202
West Virginia$940

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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.

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.

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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.

Should I consider an insurance policy with Universal North America?

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.

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.

for Universal Property & Casualty Insurance Company

2.40 (86 reviews)
June 11, 2017


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. 
June 9, 2017


Review Universal

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


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.
May 9, 2017


Automotive Insurance Review

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



great insurance for good price. Easy to apply and they take monthly payments. East to do business with.
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.
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
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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