Updated: December 4, 2025
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Average Monthly Premium
Number of Endorsements
Number of Discounts
Universal Property scores 3.53 out of 5 for customer experience and ranks 35th nationally among regional providers.
The company ranks 40th nationally for affordability among regional providers with an average monthly cost of $1,742 for $250,000 in dwelling coverage.
Universal Property offers 11 optional coverage endorsements for homeowners seeking additional protection.
Universal Property ranks 40th in our regional analysis of the best homeowners insurance. This ranking reflects a balance of affordability, customer service and coverage selections across carriers.
Review the table below to see Universal Property's MoneyGeek score for each category out of 5 and its national ranking among regional providers based on a sample homeowner profile.
| Overall | 3.56 | 40 |
| Affordability | 4.09 | 40 |
| Customer Experience | 3.53 | 35 |
| Coverage | 1.67 | 40 |
*Scores are based on a 2,500-square-foot home, a $250,000 dwelling protection coverage and a $1,000 deductible.
Homeowners pay $1,742 per month with Universal Property for $250,000 in dwelling coverage. Coverage limits directly impact premiums, with $1 million in dwelling coverage costing $4,862 monthly.
Multiple factors determine your final rate, including your home's replacement value, your deductible choice and your area's risk profile. Review the table below to see how average homeowners insurance costs vary by coverage level and toggle between deductibles to find cheap homeowners insurance that fits your budget.
| $100K Dwelling / $50K Personal Property / $100K Liability | $685 | $8,217 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $1,742 | $20,904 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $2,406 | $28,871 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $3,634 | $43,605 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $4,862 | $58,340 |
Universal Property's home insurance rates change based on your location because state regulations, local weather patterns and regional construction costs all influence pricing. In Florida, homeowners pay $1,742 monthly for $250,000 in dwelling coverage, though rates vary in other states where Universal Property operates.
| Florida | $20,904 |
Note: Data above is for states in which MoneyGeek was able to collect data. It is not reflective of the company's availability in the state.
Universal Property offers 10 discounts to help homeowners reduce their premiums, though availability varies by state. Review the table below for details on each discount and how to qualify.
Prior Insurance Discount | Reduces rates for homeowners who maintained continuous coverage with another insurer before switching to Universal Property. |
Claims Free Discount | Rewards policyholders who haven't filed insurance claims for a specified period. |
Loyalty Discount | Provides savings to customers who renew their policies with Universal Property over multiple years. |
New Roof Discount | Offers lower premiums for homes with recently installed or replaced roofs. |
Burglar and Fire Alarm Discount | Reduces rates for homes equipped with monitored security and fire alarm systems. |
Sprinkler System Discount | Lowers premiums for properties with installed fire sprinkler systems. |
Auto Companion Discount | Provides savings when you bundle your homeowners policy with auto insurance from Universal Property. |
Windstorm Protective Devices Discount | Reduces rates for homes with storm shutters, impact-resistant windows or other windstorm protection features. |
Fortified for Safer Living Discount | Offers lower premiums for homes certified under the FORTIFIED Home program, which meets specific construction standards for disaster resistance. |
Occupants Over the Age of 65 Discount | Provides savings for households where the primary occupant is 65 years old or older. |
Universal Property's policies include the six standard home insurance coverages outlined below.
Dwelling coverage pays for repairs or rebuilding your home's structure after covered damage from fire, wind, hail or other perils.
Other structures coverage covers detached buildings on your property, including garages, sheds, fences and gazebos.
Personal property coverage reimburses you for damage to or theft of your belongings, including furniture, clothing, electronics and appliances.
Personal liability coverage pays for legal expenses and damages if someone gets injured on your property or you accidentally damage someone else's property.
Medical payments coverage handles small medical bills for visitors injured at your home, covering costs without requiring a liability claim.
Loss of use coverage reimburses hotel costs, meal expenses and other additional living expenses when covered damage makes your home uninhabitable. The coverage also pays for increased transportation costs and temporary storage fees while you're displaced.
Universal Property provides 11 endorsements to enhance your standard policy, though availability varies by state. An endorsement modifies your base policy by adding coverage for particular risks or increasing limits on specific items. Review the table below to see each endorsement Universal Property offers.
Personal Property Replacement Cost | Pays the full cost to replace your damaged or stolen belongings with new items of similar quality without subtracting depreciation. |
Limited Water and Sewer Back-up and Sump Discharge or Overflow | Covers damage from water backing up through sewers or drains and overflow from sump pumps up to specified limits. |
Limited Animal Liability | Extends liability coverage for incidents involving your pets beyond standard policy exclusions. |
Utility Service Line | Covers repair and replacement costs for underground utility lines on your property, including water, sewer, electrical and gas lines. |
Scheduled Jewelry or Other Personal Property | Provides higher coverage limits for valuable items like jewelry, art, collectibles or other expensive possessions by listing them individually on your policy. |
Mechanical Breakdown | Covers repair costs when home systems and appliances fail due to mechanical or electrical breakdown. |
Personal Injury | Extends liability protection to cover claims of libel, slander, defamation or invasion of privacy. |
Debris Removal | Increases coverage limits for removing damaged property and debris from your home or yard after a covered loss. |
Loss Assessment | Pays your share of community association assessments for repairs to shared property after covered damage. |
Higher Personal Liability Limits | Increases your liability coverage limits beyond the standard policy amount for greater financial protection. |
Ordinance or Law | Covers additional costs to rebuild your home to current building codes when local ordinances require upgrades after a covered loss. |
Like most homeowners insurance policies, Universal Property's standard coverage excludes specific perils and situations. Events such as flooding, earth movement, normal wear and tear, and damage you cause deliberately aren't covered.
Flood damage and earthquake damage require separate insurance policies because standard homeowners insurance excludes these perils. You'll need to purchase flood insurance through the National Flood Insurance Program or private insurers and earthquake coverage as a separate endorsement or standalone policy.
Deliberate damage you cause to your own property and losses resulting from illegal activities receive no coverage because insurance protects against accidents, not intentional acts. Policies also typically exclude damage from war, nuclear hazards and government actions.
Normal wear and tear, mechanical breakdowns from age and damage from poor maintenance aren't covered because insurance covers sudden, accidental events rather than predictable deterioration. Homeowners must handle routine upkeep, repairs from aging systems and damage that results from neglecting property maintenance.
Universal Property lets homeowners buy home insurance directly online or through licensed insurance agents who represent the company. Either method allows you to customize your policy and apply available discounts.
Figure out the home insurance coverage limits you need by evaluating your property's value and your potential financial exposure. Create a detailed home inventory with photos and receipts of your belongings, then research local construction costs to determine adequate dwelling coverage for rebuilding.
Get a quote by filling out Universal Property's online application or speaking with an independent agent who can access the company's rates. You'll need to share your home's characteristics, your coverage preferences and your personal information to receive accurate pricing.
Review the coverage limits, deductibles and optional endorsements Universal Property offers to find a policy that matches your needs. Compare how different deductible amounts affect your premium and evaluate which optional coverages provide value for your specific situation.
Identify which Universal Property discounts apply to your situation and submit the required proof. Bring up your new roof, alarm systems or senior status to ensure you receive all eligible rate reductions.
Examine your final policy paperwork to ensure accuracy in coverage amounts, optional endorsements and discount applications. Double-check your premium payment amount and due dates, then complete your purchase once everything aligns with your needs.
Universal Property accepts claims submissions online through its website or over the phone via its claims hotline. Either option allows you to report damage and begin filing your home insurance claim right away.
Notify Universal Property of your loss by filing online or calling the claims department as soon as possible after the damage occurs. Share key details about when and how the damage happened, along with an initial assessment of what was affected.
Photograph every damaged item and area from multiple angles to create a complete visual record. Write down what was damaged, when you purchased each item and what it cost, and keep documentation of any immediate repairs you arrange to prevent further damage.
Wait for Universal Property to assign an adjuster who will call to set up an inspection appointment. Prepare to walk the adjuster through your home, point out all damage and provide additional information they request about the incident.
After the inspection, you'll receive a settlement statement explaining how much Universal Property will pay for your claim. Check the settlement against your policy coverage, clarify any confusing points with your adjuster and begin coordinating repairs once you accept the settlement amount.
Universal Property earned a MoneyGeek score of 3.56 out of 5, ranking 40th nationally among regional providers based on its balance of affordability, customer experience and coverage options. The company charges $1,742 monthly for $250,000 in dwelling coverage and offers 11 optional endorsements to customize your policy.
Homeowners can reduce premiums with Universal Property through 10 available discounts, including savings for new roofs and security systems. Optional coverages like personal property replacement cost and utility service line protection also let homeowners add protection beyond standard policies, though coverage availability varies by state.
These frequently asked questions address key information about Universal Property's homeowners insurance options and pricing.
Universal Property earned a MoneyGeek score of 3.56 out of 5, ranking 40th nationally among regional providers. The company scores 4.09 out of 5 for affordability and 3.53 out of 5 for customer experience, though its coverage score of 1.67 out of 5 ranks lowest among reviewed providers.
Universal Property charges $1,742 monthly for $250,000 in dwelling coverage with $125,000 in personal property coverage and $200,000 in liability coverage. Rates increase to $4,862 per month for $1 million in dwelling coverage. Your actual premium depends on your home's location, age, construction type, your claims history and the coverage limits you choose.
Universal Property provides 10 discounts, including savings for claims-free homeowners, new roofs, burglar and fire alarms, sprinkler systems and windstorm protective devices. The company also offers discounts for prior insurance, policy loyalty, bundling with auto insurance, FORTIFIED Home certification and occupants over age 65. Discount availability varies by state.
The insurer provides 11 additional coverage options beyond standard policies, such as replacement cost coverage for belongings, protection for underground utility lines and higher coverage limits for valuable items like jewelry. Homeowners can also add mechanical breakdown protection, extended liability coverage, increased debris removal limits and coverage for building code upgrades, depending on state availability.
Universal Property's standard policy excludes flood damage, earthquake damage, normal wear and tear, poor maintenance, intentional damage and losses from illegal activities.
We analyzed Universal Property's homeowners insurance rates using a standardized profile to ensure fair comparison:
Our ratings system for Universal Property consisted of the following scoring mechanisms:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
