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.

Free Insurance Comparison

secured lock Secured with SHA-256 Encryption

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...

Full Bio →

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...

Full Bio →

Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 20, 2022

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.

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.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

secured lock Secured with SHA-256 Encryption

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
Get Your Rates Quote Now

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.

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.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

secured lock Secured with SHA-256 Encryption

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

2.47 (83 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.
↑ Back to Top

Write a Review and Rate

Please tell us about your policy type

Policy Type ?

Please select a `Policy Type!`

How did you buy this policy?

Please select `How you bought this policy!`

How long ago did you buy this policy?

Please select `How long ago you bought this policy!`

Do you currently have a policy with this company?

Please select `If you currently have a policy with this company?`

How long ago did you buy this policy?

Share your experience with this company

(Min. 100 Characters)
(Max. 60 Characters)

Rate your experience with

Buying Process

Renewal Process

Customer Service*

Policy Price*

Did you submit a claim?

Claim ServiceIf applicable

How long ago did you buy this policy?

Company*Overall Rating

Likelihood to recommend to family or friend*

A few more questions

What does this insurance company do well?

What can this insurance company do better?

Which best describes your household? (select all that apply)

When you submit this review, you will be asked to sign in/up for to your https://www.usinsuranceagents.com account. If your account is not currently verified, we will send a verification email to the email on file for your account. Please select the verification button in that email. If you do not see the email in your inbox, please check your spam or junk folder. Your review cannot be reviewed and accepted until you complete this verification step.

Free Insurance Comparison

Compare quotes from the top insurance companies and save!

secured lock Secured with SHA-256 Encryption