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| We're glad that you're interested in learning more about our company, our products and our agency programs. At Universal North America Insurance Company (Universal North America®), we look forward to establishing partnerships with agencies that share our values and commitment to providing exceptional customer service. |
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| Corporate Overview |
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A.M. Best Rating. In April 2008, Universal North America Insurance Company was assigned a Best's Rating of A - (Excellent). |
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A history of stability. In addition to receiving its own rating, Universal North America is a subsidiary of Universal Group, Inc. and benefits from its parent's long tradition of excellence and stability:
- 35+ years of personal lines experience
- An "A-" (Excellent) Financial Stability Rating from A.M. Best & Company
- Policyholder surplus in excess of $46 million as of 2008
- A core group of management in place for more than 15 years
Click here to view more financial details in our Corporate Review. |
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| Products and Services |
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Key coverages in California include:
- Homeowners insurance with Earthquake coverage options on the same policy
- Dwelling Fire Insurance
- Flood insurance
- Renters insurance
- Condominium Unit Owners insurance
- Home Equipment Breakdown
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Homeowners Insurance with Earthquake Coverage
Earthquakes – the most unpredictable of natural disasters. Protect your customers with a homeowners policy that includes basic or comprehensive earthquake coverage options on the same policy. Plus, Universal North America’s standard policy includes Condo, Other Structures, Medical Payments, Personal Property and Valuables, Personal Liability, Loss of Use and Loss Assessment. |
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Dwelling Fire Insurance
Universal North America's Dwelling Fire policies provide coverage landlords can bank on. Dwelling, Other Structures, Medical Payments, Personal Liability and Loss of Income protect your clients AND their tenants. |
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Home Equipment Protection
Universal North America's Home Equipment protection offers coverage for vital equipment damages, even damage that wouldn't typically be covered under warranty or maintenance contract. This protection covers air conditioning systems, surround sound systems, swimming pool equipment and many other types of equipment.
Click here to learn more. |
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Flood Protection
Universal North America's Flood protection is offered through the National Flood Insurance Program. Under NFIP guidelines, almost every home in participating communities is eligible for Flood insurance.
Click here to learn more. |
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Renters
When unexpected damage or theft happens, renters need protection, too. Universal North America has a policy designed to give renters specific coverage at a price that makes sense.
Click here to learn more. |
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Condominium Unit
Condominium association policies typically cover common areas only. Universal North America can provide coverage for individual condos and their valuable contents.
Click here to learn more. |
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Expanding our product line. Universal North America is known for responsible underwriting, smart risk management and great customer service. Our product line varies by state. We enter the market with Homeowners insurance and work closely with our appointed agents to determine the market needs for Auto and Umbrella coverage in each state. |
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To get started working with Universal North America, contact your area representative today: |
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Insurance products are issued and underwritten by one of Universal North America's insurance companies: Universal North America Insurance Company or Universal Insurance Company of North America. Issuance of coverage is subject to underwriting review and approval. Products may not be available in all states.
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