Homeowners Insurance
Foul Weather. Or fastballs through the kitchen window. For life's little occurrences, homeowners need insurance protection they can count on. When the unexpected happens, Universal has a plan for that.
Plan now for the unexpected. Ask about homeowners coverage from Universal. When you need repairs or recovery, peace of mind can never come too soon.
Owning property represents a significant investment both in terms of financial commitment and emotional attachment. It seems inconceivable to rebuild a home from ruin. But should that moment ever come, having solid protection, sufficient protection, and the right protection will make all the difference.
Universal's standard homeowner's policy provides strong coverage, including:
- Dwelling Universal covers the cost to replace the structure of a damaged home up to the policy limits. This includes attached structures such as swimming pools and screen pool enclosures.
- Other Structures We provide funds to rebuild detached structures on the property such as a fence, tool shed, or gazebo.
- Medical Payments We take care of medical expenses for anyone outside the household who is injured while visiting.
- Personal Property and Valuables We offer the replacement value for personal belongings such as clothing, furniture, appliances, jewelry, furs and heirlooms.
- Personal Liability Insurance We cover claims for property damage or bodily injury for which the homeowners are legally responsible.
- Loss of Use We pay for any costs above normal living expenses if damage prohibits the family from living in their home.
- Loss Assessment We cover costs levied by a homeowners association in the event of loss caused by a covered peril.
A homeowners policy from Universal North America can always be trusted for strong protection. Now, even greater strength is available when and where it's needed most.
Universal's standard policy can be customized with optional coverages, including*
- Scheduled Personal Property (for jewelry, furs, heirlooms, etc.)
- Home Equipment Protection (for air conditioning systems, electronics, pool equipment, etc.)
- Rental to Others (available for condominiums or other structures)
- Increased Loss Assessment
- Permitted Incidental Occupancies
- Increased Other Structure Coverage
- Golf Cart Liability
- Identity Fraud Expense
- Expanded Replacement Cost Terms
- Water Damage - Sewers Drains & Sumps Coverage
- Personal Injury
- Increase Limit of Liability - Fungi, Other Microbes or Rot Endorsement (for mold damage)
- Personal Property Value Loss Settlement
- Limited Farm Liability
- Townhouse/Rowhouse
- Seasonal or Unoccupied Property
*Not all coverage types are offered in all states; available for an additional premium
Managing your policy is easy with Universal's special website feature, My Universal. Make payments and gain access to important policy documents online at http://www.uihna.com/signup/.
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