Universal Direct
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At Universal Direct, we make it easy to insure your home, all online in just a few minutes. We're putting you in control when it comes to getting home insurance. By answering some simple questions about your home, we'll get you the protection that you deserve, all through our secure network. We recommend coverage amounts for your personal situation and break down everything we offer with clear-cut explanations so you know exactly what you're getting.

At any point along the way, we'll be there to assist you. We provide online chat with licensed professionals as well as video help, always just a click away. I would like to thank the team at Universal for all the help this past year regarding the policy for my new home. Everyone that I have dealt with has been informative, attentive, and helpful; these are rarely observed qualities in today's market place.

It was very frustrating to have a leak in my ceiling from the bathroom in the above apartment, with the ceiling buckling creating a hazard with the ceiling coming down.
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Universal Direct is committed to providing the protection you deserve for your home and family.
We're simplifying the home insurance experience by providing you the ability to go online, get a quote for home, condo or renters' insurance, and then add or remove coverages to directly see the impact to your bottom line.
We recommend coverage amounts for your personal situation and break down everything we offer with clear-cut explanations so you know exactly what you're getting.
Transparency, empowerment and your satisfaction is what we work tirelessly for.
We offer a comprehensive set of coverages to protect your home and your family.
Once you start a quote, we'll recommend to you the appropriate amount of insurance needed for your home by calculating property and building construction information from multiple databases.
Protect your dwelling (place of residence such as a house or townhouse) including what's attached to the dwelling such as a garage.
You'll be protected against untimely events such as wind, hail, fire and theft.
Any increase in living expenses and lodging will be covered in case there is damage to your home and you cannot stay there while it is being repaired.
Universal Direct is backed by Universal Property & Casualty Insurance Company (UPCIC), and they will handle your claims with undivided personal attention.
Their goal is to give customers the quickest turnaround time possible on all claims.
If you have suffered a loss or damage, please submit a claim on the UPCIC website.
In the event of a catastrophe, such as a hurricane, the number of claims being made will be significant and everyone will be trying to call at the same time.
You may experience delays in connecting with representatives.
Call one of our dedicated customer service representatives at 1 (866) 926-2217 and provide them with an account and routing number from a checking account.
The above is meant as general information and as general policy descriptions to help you understand the different types of coverages.
These descriptions do not refer to any specific contract of insurance and they do not modify any definitions expressly stated in any contracts of insurance.
We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.
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