Universal Insurance Company Homeowners Insurance Review & Ratings (2022)

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.

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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
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
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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.

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