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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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Financial Ratings. A.M. Best has reaffirmed Universal North America Insurance Company's rating of A- (Excellent). Universal Insurance Company of North America still maintains a Demotech Rating of A' Unsurpassed. |
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
- 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 |
Key coverages in Hawaii include:
- Homeowners insurance with included Hurricane coverage
- Dwelling Fire
- Home Equipment Breakdown
- Condominium Unit Owners insurance
- Renters insurance
- Flood insurance
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Homeowners Insurance
Universal North America's standard Homeowners policy for Hawaii includes Hurricane coverage. Added to Dwelling, Other Structures, Medical Payments, Personal Property and Valuables, Personal Liability insurance, Loss of Use and Loss Assessment, Hurricane coverage gives your clients more value and more protection.
Click here to learn more. |
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Dwelling Fire
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.
Click here to learn more. |
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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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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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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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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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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 other coverages in each state. |
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| Agency Rewards Program |
Universal North America has an outstanding Agency Rewards Program to show appreciation to our agents who write Universal North America policies. The program features three levels of qualification based on production—the President's Circle, Executive Round Table and Universal Pacesetters. Just some of the bonuses include:
- An annual profit-sharing commission agreement
- Agency incentive trip
- Co-op marketing funds
- Logo gear for your staff, including golf shirts
- Year-round sales contests for support staff
- And much more!
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| Co-op Marketing Program |
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| Enjoy the benefits of partnering with Universal North America for co-op advertising. Align your agency with a strong, sturdy and stable insurance company. You'll receive free, professionally branded Universal North America marketing brochures or postcards. Qualifying agencies will also receive half off selected media space, printing and postage. |
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To get started working with Universal North America, contact us today: |
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| Insurance products in Hawaii are underwritten by Universal North America Insurance Company. Issuance of coverage is subject to underwriting review and approval. Products may not be available in all states. |