Universal North America Insurance Reviews 2026

Overview

No. of reviews: BBB (62), Yelp (9), Total reviews (71)

No. of ratings: BBB (1.25), Yelp (1.5), Avg rating ( 1.37)

Phone number: +19169271879

Address: 1545 River Park Dr # 450, Sacramento, CA 95815, United States

Universal North America insurance review aims to provide factual information on Universal North America Company. It elaborates on the coverage and products provided by the carrier. It also includes different reviews and ratings to help you determine whether Universal North America is the right choice for you or not.

Is Universal North America Insurance a Good Carrier?

Universal North America is a superregional insurer that runs in 17 states and four time zones. As an insurance company, they are dedicated to offering high-quality coverage for a wide range of insurance requirements, including homeowners, renters, dwelling fire, flood, earthquake, and commercial. They have a clear vision. They have a conservative corporate strategy and treat their clients and agents with respect. Thus, they have good customer service. They are able to pay claims and care for the policyholders when they are most in need because of their stable financial base.

About Universal North America Insurance

Universal North America Insurance is a Florida-based insurance company. The firm was established in 2002, in Puerto Rico. Universal North America is a fully owned subsidiary of Universal Group, Inc. It is Puerto Rico’s primary supplier of property/casualty, car and life insurance, policy financing, and investment products. This carrier has insurance expertise, experience, and is dedicated to quality and service.

Their Products

Universal North America provides a variety of home insurance related options. The organization offers basic coverage such as homeowners, renters, and condo insurance, as well as specialty coverage such as earthquake, flood, and fire protection. The company also offers commercial, equipment, and business insurance to complement their home insurance offerings. Depending on which state you reside in, their coverage options may differ. The range of products offered at Universal North America Insurance is as follows:

Homeowners Insurance From Universal North America

Universal North America Homeowners insurance is designed to safeguard your home and your belongings. The coverages included in homeowner insurance are:

Dwelling Coverage: Universal provides coverage for replacing the structure of a damaged house up to the policy limits. This includes connected constructions such as swimming pools and screen pool enclosures.

Other Structures: Coverages provide replacement cost for detached structures such as a fence, tool shed, or gazebo.

Personal Property & Valuables: Universal replaces personal belongings such as clothing, furniture, jewelry, furs, and heirlooms.

Personal Liability Insurance: They cover claims for property damage or physical harm for which the homeowners are legally liable.

Medical Payments: Compensation of medical bills for anyone harmed while visiting (who is not a family member).

Loss of Use: Compensation for any costs over typical living expenses if damage prohibits the family from living in their house.

Flood Insurance From Universal North America

Universal Flood Insurance is provided in collaboration with the National Flood Insurance Program (NFIP); thus, the coverage is backed by the federal government. Almost every residence in participating towns is eligible for flood insurance under NFIP criteria, and policyholders will get the following additional benefits:

• There is no loan to repay, unlike many government disaster aid packages.
• Coverage can be increased to include valuable personal possessions.
• Once coverage is in place, immediate assistance is provided in the form of advances or partial payments.

Earthquake Insurance From Universal North America

Many factors influence the cost of your earthquake insurance. They are as follows:

• Your house’s age and location
• Style of construction
• Proximity to a fault
• Deductibles
• Amounts of coverage
  Universal North America provides comprehensive and limited earthquake insurance choices to fit your budget.
• Limited insurance- This provides basic coverage to safeguard your house.
• Comprehensive policy- This provides coverage for your home, extra buildings such as patios and pools, personal belongings, and additional living expenses if you are forced to leave your home following an earthquake.

Refer to the table to find out about their coverage and costs:

Reviews and Ratings of Universal North America Insurance

Conclusion

It is a dynamic firm that offers personal and commercial coverage to protect all of your valuables. It is always working to incorporate technologies and quality procedures to assure your complete satisfaction.

They are committed to providing excellent service, developing new goods, and continuous innovation. If you’re seeking comprehensive coverage and good service at a reasonable price, Universal North America Insurance is an excellent choice.

Sources:

• Universal North America Insurance
• Wallet Hub
• US Insurance Agents
• Yelp
• Kin
• National Flood Insurance Program