1 more

Last Updated: 04/18/2025

Universal North America Insurance Company

from Universal Insurance Company of North America

Last Updated: 04/18/2025

Rating not yet determined2 total votes

2 users don't recommend

Compare All Flood Insurance

Filter & compare all your options in one place.

View All Products

Highlights

Financial Strength Rating

A-(Verified 04/18/2025)

Universal North America Insurance Company Review

Universal North America Insurance Company is an insurance carrier based in Sarasota, FL. The company was founded in 2002 and offers flood insurance in 17 states in the USA. Flooding is the number one natural disaster in the United States. According to FEMA floods cost Americans more than a billion dollars a year. However, standard homeowners insurance policies don't cover flood damage.

Universal North America Insurance Company FAQ

What types of coverage does Universal North America Insurance Company offer?

Flood insurance includes a variety of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. There are two main types of flood insurance: policies offered by the National Flood Insurance Program (NFIP) and those provided by private companies, also known as excess flood coverage. Universal North America Insurance Company only offers federal flood insurance policies..

NFIP Flood Coverage: Flood insurance through the National Flood Insurance Progam has two basic policies. One that covers the building property up to $250,000 and one that covers personal property up to $100,000.

Dwelling Coverage: Also called dwelling insurance. This is the part of your flood insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home. Federal flood insurance has a maximum coverage of $250,000. If you have a mortgage, your lender may require you to apply for excess flood coverage.

Personal Property Protection: This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them. Federal flood insurance through the National Flood Insurance Progam maxes out at $100,000. If that doesn't cover the value of your personal property, consider buying excess flood coverage.

Universal North America Insurance Company customers can also add the following riders or endorsements to their home insurance policies:

How can you save money on a Universal North America Insurance Company home insurance policy?

When you ask for a quote with Universal North America Insurance Company, make sure you ask for all the discounts you qualify for.

Community Rating System: The National Flood Insurance Program's (NFIP) Community Rating System (CRS) is a voluntary incentive program that encourages community floodplain management activities that exceed the minimum NFIP requirements. Flood insurance premium rates of federal flood insurance policies are discounted to reflect the reduced flood risk resulting from the community actions.
Flood Zone Designation: The Federal Emergency Management Agency (FEMA) creates flood zone maps that estimate the risk of flooding.
Freeboard (Property Elevation Above BFE): Homewoners who elevate their homes above the base flood elevations (BFEs) pay lower premiums. For example, adding a 2-foot elevation to a home could reduce your flood insurance premiums by more than $1,000 a year.

Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Universal North America Insurance Company.

What additional benefits does Universal North America Insurance Company offer?

Universal North America Insurance Company offers the following benefits to its customers:

24/7 Phone Availability: Customer service is staffed around the clock.

Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.

What is the financial strength rating of Universal North America Insurance Company?

The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.

Universal North America Insurance Company scores an A-. Insurance companies with this score show an excellent ability to cover their insurance responsibilities.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from Universal North America Insurance Company

Floods usually strike without warning. They're always swift and severe. The threat often comes from events like hurricanes or heavy storms, but they can also occur after a drought or wildfire, when vegetation that would normally absorb excess water is no longer there. So it's important to be prepared.

Universal Flood Protection is offered in partnership with the National Flood Insurance Program (NFIP), which means our coverage is solidly backed by the federal government. Under NFIP guidelines, almost every home in participating communities is eligible for flood insurance, and policyholders will enjoy these added benefits: Unlike many federal disaster relief packages, there's no loan to repay. Coverage can be extended to protect valued personal belongings. Once coverage is in force, immediate relief may be available through advances or partial payments.

Contact

Headquarters

101 Paramount Dr

Suite 220

Sarasota, FL 34232

Visit Site

Email Support

Hours of Operation

SundayClosedMonday8:30AM - 11:00PMTuesday8:30AM - 11:00PMWednesday8:30AM - 11:00PMThursday8:30AM - 11:00PMFriday8:30AM - 11:00PMSaturdayClosed

Other Services by Universal Insurance Company of North America

SuperMoney Net Recommendation Score

Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.

-100

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Universal North America Insurance Company Community Reviews

Would you recommend Universal North America Insurance Company to your friends?

Kevin C.

May 14, 2021

May or may not recommend

Universal North America Ins. Co. told me that they like to send out the mitigation team after my claim for the winter storm in Houston. Long story short, the mitigation crew came and gutted my new vinyl floors and gutted my kitchen cabinets, then the adjuster came. After the adjuster's visit, Universal North America send me a denial letter to inform me that my freeze is not covered ...Show More

Sam R.

May 3, 2021

May or may not recommend

This company deserves ZERO stars and Mark Postman and Diane Jewel deserve ZERO stars who are the so-called "agents" working on our claim. Let me be the 100th person to say this on Google because every one of their reviews that are 1 star is correct. We have LITERALLY been without electricity since Feb after our flood and have ONE (originally three) toilet that we had to fix ourselves so ...Show More

Showing 2 of 2 reviews