Updated: September 16, 2026
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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.
Universal Property charges $1,742 a month for $250,000 in dwelling coverage. Raise that limit to $1 million and the monthly cost jumps to $4,862.
Your final rate depends on your home's replacement value, deductible choice and area risk profile. The table below breaks down average homeowners insurance costs by coverage level. 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 to repair or rebuild your home's structure after fire, wind, hail or other covered perils damage it.
Other structures coverage applies to detached buildings on your property. Garages, sheds, fences and gazebos all qualify.
Personal property coverage reimburses damage to or theft of your belongings. Furniture, clothing, electronics and appliances are covered.
Personal liability coverage pays legal expenses and damages if someone gets injured on your property. It also covers accidental damage you cause to someone else's property.
Medical payments coverage handles small medical bills for visitors injured at your home. It pays these costs without requiring a liability claim.
Loss of use coverage reimburses hotel costs, meal expenses and other living expenses when covered damage makes your home uninhabitable. It also pays for extra transportation costs and temporary storage fees while you're displaced.
Universal Property offers 11 endorsements to enhance your standard policy. Availability varies by state. An endorsement adds coverage for specific risks or raises limits on particular items. The table below lists 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.
Calculate home insurance coverage limits based on your property's value and potential financial exposure. Create a detailed home inventory with photos and receipts of your belongings. Research local construction costs to set adequate dwelling coverage for rebuilding.
Fill out Universal Property's online application, or talk with an independent agent who can access its rates. Share your home's characteristics, coverage preferences and personal information for accurate pricing.
Review the coverage limits, deductibles and optional endorsements Universal Property offers. Different deductible amounts change your premium. Some optional coverages will matter more for your situation than others.
Find which Universal Property discounts apply to your situation and submit proof. Mention your new roof, alarm system or senior status to claim eligible rate reductions.
Check your final policy paperwork for accuracy in coverage amounts, optional endorsements and discount applications. Confirm your premium payment amount and due dates. Complete your purchase once everything matches your needs.
File claims online through Universal Property's website or by calling its claims hotline. Both options let you report damage and start 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 when and how the damage happened, along with an initial assessment of what was affected.
Photograph every damaged item and area from multiple angles for a complete visual record. Write down what was damaged, when you purchased each item and what it cost. 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. Walk the adjuster through your home, point out all damage and provide any additional information requested about the incident.
After the inspection, you'll receive a settlement statement showing how much Universal Property will pay for your claim. Check the settlement against your policy coverage and clarify any confusing points with your adjuster. Once you accept the settlement amount, coordinate repairs.
MoneyGeek compared Universal Property against COUNTRY Financial and State Farm to evaluate affordability, customer experience and coverage options. Universal Property charges $20,904 annually compared to State Farm's $2,151 and COUNTRY Financial's $2,609.
| Average Monthly Premium | $1,742 | $217 | $179 |
| Average Annual Premium | $20,904 | $2,609 | $2,151 |
| Overall MG Score | 3.56 | 4.57 | 4.50 |
| Affordability Score | 4.09 | 4.87 | 4.73 |
| Customer Experience Score | 3.53 | 4.86 | 4.31 |
| Coverage Score | 1.67 | 2.91 | 4.04 |
Our answers to common questions address key information about Universal Property's homeowners insurance options and pricing.
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 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's standard policy excludes flood damage, earthquake damage, normal wear and tear, poor maintenance, intentional damage and losses from illegal activities.
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 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.
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:
Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer in Connecticut and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.
