Considering affordability, customer service, coverage and financial stability, Universal Property ranks eighth overall in the nation for home insurance. The company offers the most affordable home insurance rates for newer homes and ranks highly in coverage and financial stability. Review our ratings below.
Universal Property Home Insurance Review
Updated: June 26, 2025
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Key Takeaways
Universal Property ranks eighth overall for home insurance affordability, with particularly low premiums for those with newer homes.
Financial stability for Universal Property ranks third in the nation, highlighting its reliability in the market.
Ranked third overall in coverage options, Universal Property offers a variety of add-ons, including debris removal and scheduled personal property coverage.
Universal Property Home Insurance Ratings
| Overall Rating | 38 | 8 |
| Affordability | 18 | 8 |
| Customer Satisfaction | 10 | 8 |
| Coverage | 8 | 3 |
| Financial Stability | 2 | 3 |
*Scores are based on a 2,500-square-foot home, $250,000 dwelling coverage and a $1,000 deductible.
How Much Is Universal Property Home Insurance?
For most homeowners, Universal Property home insurance costs $1,194 per month and $14,332 yearly. However, depending on your unique profile and coverage needs, costs can vary from $571 to $1,448 monthly. Below, we've broken down costs in a filterable table that can fit your profile.
Data filtered by:Results filtered by:
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Credit Tier:Good
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Claims History:Claim free for 5+ years
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Age of Home:Older Homes
| $250K Dwelling / $125K Personal Property / $200K Liability | $1,194 | $14,332 |
Universal Property Home Insurance Coverage Options
In addition to standard coverage options, Universal Property offers the following add-ons:
Add-on Coverage Option | Coverage Details |
|---|---|
Back-up of sewer or drain | Covers damage and cleanup when sewage or water backs up through drains, sump pumps or plumbing fixtures |
Building ordinance or law | Pays additional costs to rebuild your home to meet current building codes after a covered loss |
Debris removal | Covers the cost to remove debris from your property after a covered loss beyond standard policy limits |
Equipment breakdown | Protects against damage caused by mechanical or electrical breakdown of home systems and appliances |
Loss assessment | Covers your share of assessments charged by homeowners associations for covered losses to common property |
Personal property replacement cost | Pays to replace your belongings with new items of similar quality rather than their depreciated value |
Scheduled personal property | Provides enhanced coverage for valuable items like jewelry and collectibles with specific agreed values |
Service line | Covers repair or replacement of underground utility lines from your home to the street connection point |
Universal Property Homeowners Insurance Review: Bottom Line
Overall, Universal Property ranks among our top 10 for home insurance policies, and we recommend contacting it for quotes. While Universal Property may be a good provider, compare other options and pricing to get the best deal.
Universal Property Home Insurance: FAQ
Below are answers to frequently asked questions about Universal Property home insurance:
Is Universal Property home insurance good?
Universal Property home insurance is a strong option, earning the eighth overall spot nationally. It ranks eighth for affordability, eighth for customer satisfaction and third for coverage options.
How much is home insurance with Universal Property?
Universal Property home insurance for $250,000 in dwelling coverage is around $14,332 per year. Your premiums could vary from $571 to $1,448 annually based on individual factors.
How is Universal Property's home insurance customer service?
Universal Property's home insurance customer service ranks eighth overall in our study of the best home insurance providers.
How We Rated Universal Property Home Insurance
We used the following base profile to determine rates for all homeowners insurance providers and judge their affordability:
- 40-year-old homeowner
- 2,500-square-foot house
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Good credit
- No claims in the past 5+ years
Our ratings system consisted of the following scoring mechanisms:
- Affordability (55% of score): Using our base profile as a guide, we compared costs relative to the national average and competition.
- Customer experience (35% of score): We considered forum ratings from customers, industry studies from J.D. Power and AM Best Financial Strength scores.
- Coverage (10% of score): This score considers add-on coverage selections relative to the average and the uniqueness of selections available.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.