Universal Insurance Company Homeowners Insurance Review & Ratings (2023)

Universal Insurance Company, also known as Universal North America, offers homeowners, renters, and other property and casualty coverage in the U.S. A homeowners policy with Universal Insurance Company covers attached and unattached structures, liability, medical payments, and more. Policyholders can include add-ons for homeowners insurance if they would like to. Universal Insurance Company has an A- (Excellent) rating with A.M. Best and a stable outlook for the future.

UPDATED: Jun 20, 2022Fact Checked

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 20, 2022

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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

Universal North America, also known as Universal Insurance Company of North America, sells a number of insurance products, including homeowners insurance coverage.

The Universal Insurance Company also offers renters, condominium, fire, flood, and additional types of property and casualty coverage to its policyholders.

If you are considering a policy with Universal North America, be sure to shop around online first to compare quotes from the best insurance companies near you.

You can use our free tool above to get started and see how much you could be saving on homeowners insurance today.

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.

Is it easy to make claims with Universal?

Universal North America’s website offers what it refers to as “easy online access” to its policyholders.

Universal allows policyholders to make payments and gain access to their important documents and information related to their policies via the website.

If you need to make any Universal Insurance Company claims, however, you will have to do so by calling the company’s customer service number.

After calling the Universal Insurance Company claims phone number, you will speak with a representative who will walk you through the process of filing the claim and let you know when you can expect to hear back from someone.

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.

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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.

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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