Universal North America Insurance Reviews 2023
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Last Updated: April 25, 2023
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Universal North America Insurance Pros and Cons
- Universal’s special website feature, “My Universal” makes payments and provides access to important policy documents online.
- They are affordable and impressive coverage options.
- Not available in all states.
- Cannot obtain insurance quotes online
| Products |
|---|
| Homeowners Insurance |
| Dwelling Fire |
| Flood Insurance |
| Equipment Insurance |
| Renters Insurance |
| State Auto Safety 360 |
| Customized Coverages |
|---|
| Scheduled personal property |
| Damage due to water |
| Protection of home equipment |
| Personal injury |
| Coverage for rental to others |
| Increase limit of liability |
| Increased loss assessment |
| Settlement for personal property value loss |
| Permitted incidence occupancies |
| Town house row house coverage |
| Increased other structures |
| Unoccupied or seasonal property coverage |
| Coverage for identity fraud expense |
| Expanded replacement cost terms |
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| Coverages | Limited Policy | Comprehensive Policy |
|---|---|---|
| Dwelling | $250,000 | $250,000 |
| Personal Property | $5,000 | $125,000 |
| Additional Living Expenses | $1,500 | $25,000 |
| Other Structures | - | $25,000 |
| Deductible Amount/ Percentage | $37,500/ 15% | $25,000/ 10% |
| Rating Agency | Rating |
|---|---|
| A.M. Best | B++ (Good) |
| Demotech | A (Exceptional) |
Customer Review and Ratings
Customer Reviews
Universal was outstanding throughout the assessment, remediation, and aesthetic fixes. They helped me choose contractors, provided advice, yet backed me up in my selections. They paid me on time and assisted me when I had queries about contractors. I shall always be with them.
Their coverage and customer services are the finest I’ve ever seen.
Universal Insurance Company of North America is an excellent insurance company to have. I could afford it since the rates are reasonable, affordable, and decent.
Prices and coverage were good, but approximately a month after purchase, I received notice that my insurance was being discontinued due to a combination of incorrect/outdated information.
Very disappointed after filing a homeowners claim and not receiving the amount in time.
Source: Wallet Hub, YelpFrequently Asked Questions
-
Is Universal Insurance Any Good?
Yes, Universal Insurance is a good insurance company with affordable rates. It aims to provide clients with good customer service.
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Who is Universal North America?
Universal North America, located in Sarasota, Florida, was founded in 2002 and provides coverage for homeowners, condominium unit owners, renters, flood, earthquake, hurricane, equipment breakdown, businessowners, and commercial residential insurance.
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Why Should I Create My Universal Online Profile?
Registering at My Universal will save you time and will facilitate you with online services such as bill payments and accessing and viewing insurance documents online.
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How Long Does It Take to Get a Problem Fixed After a Claim Was Made?
Universal North America aims to provide timely service by assigning an expert adjuster to your claim and responding to any inquiries you may have – generally within one business day. Within five days, you must provide payment for the claim.
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