Homeowners Insurance
Depend on Universal for the right protection
Insurance isn’t just about replacing things. It’s about putting your life back together and having the right coverage to do so.
When you need us, we are here. Always ready. Always strong. Always committed to the values that set us apart.
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 for personal belongings such as clothing, furniture, 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 homeowner’s association in the event of loss caused by a covered peril.
Customized Coverage Adds Strength
A homeowners policy from Universal North America can always be trusted for strong, peace of mind protection. Now, even greater strength is available with these customized, optional coverages including:*
| Scheduled personal Property | Water Damage |
| Home Equipment Protection | Personal Injury |
| Rental to Others | Increase Limit of Liability |
| Increased Loss Assessment | Personal Property Value Loss Settlement |
| Permitted Incidence Occupancies | Townhouse/Rowhouse |
| Increased Other Structures | Seasonal or Unoccupied Property |
| Identity Fraud Expense | Expanded Replacement Cost Terms |
*Not all coverage types are offered in all states; available for an additional premium
Easy online access
Managing your policy is easy with Universal's special website feature, My Universal. Make payments and gain access to important policy documents online. Log in
