Universal North America Insurance

Complete Protection for Your Home

Your home is one of your largest investments. You need comprehensive coverage tailored to your individual home and possessions. Universal North America Insurance offers quality, basic coverage with many standard features, plus a full array of coverage options to enhance your protection.

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Universal North America Insurance Company

Universal North America Homeowners Insurance Policy Protects:

Simply put, a homeowners policy should make you financially “whole” again if your home is damaged or destroyed by events like fire or storm, or is burglarized.

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Universal North America Insurance Homeowners Policy Protects:

Detached Structures, such as a garage or shed.
Personal Belongings, including furniture, clothing, appliances and much more.
Loss of Use, for living expenses, when the home is damaged and uninhabitable due to a covered loss.
Fast, efficient claim reporting 24/7, 365 days a year.
Fast, fair and reliable claims payment.
After hours emergency response team will be onsite within hours of a serious loss.

We’ll Be There When You Need Us

Complete Protection for Your Home

Fast, efficient claim handling around the clock, 365 days a year. After hours emergency response team will be onsite within hours of a serious loss. When hurricanes, tornados, wildfires, earthquakes and hailstorms strike, Universal North America Insurance will be ready with our nationally recognized catastrophe response service.

Serving customers in 17 states, providing a suite of essential personal and commercial insurance products.

Universal North America Landlord Insurance

Property Damage resulting from covered perils such as Fire, Water, Collapse, Explosion, Hail, Lightning, Smoke, Vandalism and Wind.
Detached Structures, such as a garage or shed.
Personal Belongings of Owner, including furniture, appliances and more.
Loss of Rental Income - In the event your rental units become uninhabitable due to a covered loss.
Premises Liability, that protects you if your tenant or a visitor is injured on your property due to your negligence.
Optional Coverage - Personal Property Replacement Cost, Identity Theft Protection, Water Backup & Sump Overflow etc...

Universal North America Condominium/Townhome Insurance

Universal North America Condominium/
Townhome Insurance

Universal North America Condominium/Townhome Insurance (a.k.a. Walls-In Coverage or Form HO-6) is dedicated to providing you with exceptional service:

Universal North America Unit Owners Insurance

Condo - Interior Dwelling Coverage - Walls-In Coverage.
Personal Property Coverage - Personal Belongings including Furniture, Clothing, Appliances and much more.
Personal Liability Coverage - Pays for expenses associated with bodily injury or property damage to others due to negligence.
Loss of Use - Pays the bills or expenses you have as a result of losing the use of your residence.
Loss Assessment Coverage - an optional coverage which is extremely vital in the event of an assessed charge by your HOA due to unexpected damages incurred by a Condominium or Townhome association. There may be many instances whereby a Unit Owner may be assessed a share of damages incurred by the HOA; if the damage is caused by a covered peril, this endorsement will help pay for the assessment.

Renters Insurance Policy Protects:

Universal North America Insurance has the most competitively priced Renters Insurance. We offer great value with many money-saving discounts:

Personal Property - Protection of personal belongings from fire, vandalism, theft and other covered perils.
Loss of Use - Covers the cost of the hotel, food and other expenses that you incur in case you can't live in your rental unit due to a covered peril.
Personal Liability - Coverage for Bodily Injury and Property Damage caused by your negligence. Perhaps an overflowing bathtub or your dog gets loose and chases the mailman...
Additional Insured Clause - Listing the Landlord on your policy will automatically provide the Landlord with a copy of your policy and will be in compliance with most lease agreements.

Brochures

Please review your quote to make sure that all details are correct, verify that the coverage, deductible and payment options selected are exactly what you desire before completing your online purchase.