Universal Underwriters Insurance Company: Customer Ratings & Reviews [2025]
Universal Underwriters Insurance Company provides a wide array of coverage options across multiple states, aiming to meet individual customer needs with competitive rates and a history of exceptional service.
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Table of Contents
Table of Contents
Licensed Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Tim Bain
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Zach Fagiano
Updated April 2024
Universal Underwriters Insurance Company is a trusted insurance provider that offers a wide range of coverage options, including auto, home, business, life, health, and pet insurance. Their rates are competitive, and they provide coverage in multiple states across the US.
The company has a long history of providing quality insurance products and exceptional customer service, with a mission to provide comprehensive coverage options that meet the unique needs of each individual customer.
Universal Underwriters offers a variety of discounts to help customers save money on their insurance premiums, and they have received positive reviews from customers for their fast and efficient claims handling process, knowledgeable customer service representatives, and competitive rates.
What You Should Know About Universal Underwriters Insurance Company
- Website: https://www.uuinsurance.com/
- Phone: 1-800-345-8207
- Email: info@uuinsurance.com
- Address: Universal Underwriters Insurance Company, 7045 College Blvd., Overland Park, KS 66211
- Financial ratings: Universal Underwriters Insurance Company has an A+ (Superior) rating from A.M. Best, which is a leading credit rating agency in the insurance industry.
- Customer service ratings: Universal Underwriters has knowledgeable and friendly customer service representatives, but it does not provide any specific customer service ratings.
- Claims information: Universal Underwriters has a fast and efficient claims-handling process, but it does not provide any specific claims information.
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Universal Underwriters Insurance Company Insurance Coverage Options
Universal Underwriters Insurance Company offers a wide range of coverage options to meet the diverse needs of its customers. These coverage options include:
- Auto Insurance: Coverage for personal and commercial vehicles, including liability, collision, comprehensive, and personal injury protection.
- Homeowners Insurance: Coverage for homes and other residential properties, including dwelling protection, personal property coverage, liability protection, and additional living expenses.
- Renters Insurance: Coverage for renters, including personal property coverage, liability protection, and additional living expenses.
- Business Insurance: Coverage for small and medium-sized businesses, including general liability, property, workers’ compensation, and business auto insurance.
- Life Insurance: Coverage to help protect your loved ones in the event of your death, including term life, whole life, and universal life insurance.
- Health Insurance: Coverage to help pay for medical expenses, including individual and family health insurance, as well as Medicare supplement insurance.
- Pet Insurance: Coverage for your furry friends, including accident and illness coverage and wellness coverage.
It’s important to note that coverage options may vary by state, and not all coverage options may be available in all areas. Customers should speak with a Universal Underwriters representative to determine which coverage options best meet their needs.
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Universal Underwriters Insurance Company Insurance Rates Breakdown
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| Driver Profile | Universal Underwriters | National Average |
|---|---|---|
| Clean Record | $63 | $119 |
| 1+ Ticket | $96 | $147 |
| 1+ Accident | $108 | $173 |
| DUI | $158 | $209 |
| Poor Credit | $108 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Universal Underwriters Insurance Company Discounts Available
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| Discounts | Universal Underwriters |
|---|---|
| Anti Theft | 8% |
| Good Student | 6% |
| Low Mileage | 10% |
| Paperless | 13% |
| Safe Driver | 12% |
| Senior Driver | 10% |
Universal Underwriters Insurance Company offers a variety of discounts to help customers save money on their insurance premiums. These discounts include:
- Multi-Policy Discount: Save up to 25% when you bundle multiple policies, such as auto and home insurance.
- Safe Driver Discount: Save up to 15% if you have a clean driving record and have completed a defensive driving course.
- Good Student Discount: Save up to 10% if you’re a full-time student with good grades.
- Homeowner Discount: Save up to 10% if you own your home.
- Pay in Full Discount: Save up to 10% when you pay your annual premium in full.
- Loyalty Discount: Save up to 5% if you’ve been a Universal Underwriters customer for a certain number of years.
It’s important to note that discounts may not be available in all states or to all customers, and some restrictions may apply. Customers should speak with a Universal Underwriters representative to see which discounts they qualify for.
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How Universal Underwriters Insurance Company Ranks Among Providers
The insurance industry is highly competitive, and Universal Underwriters Insurance Company has several main competitors. Some of the company’s biggest competitors include:
- State Farm: State Farm is the largest auto insurance provider in the United States, with a market share of around 16%. The company also offers homeowners, renters, life, and health insurance, as well as banking and investment services.
- Geico: Geico is the second-largest auto insurance provider in the United States, with a market share of around 13%. The company is known for its quirky advertising campaigns and offers a range of insurance products, including auto, home, renters, and business insurance.
- Allstate: Allstate is one of the largest insurance providers in the United States, offering a range of insurance products, including auto, home, renters, life, and business insurance. The company is known for its “You’re in Good Hands” slogan and has a market share of around 9%.
- Progressive: Progressive is the fourth-largest auto insurance provider in the United States, with a market share of around 8%. The company offers a range of insurance products, including auto, home, renters, and business insurance, and is known for its “Flo” advertising campaign.
These companies, along with others in the industry, compete with Universal Underwriters Insurance Company for market share and customer loyalty. Customers should compare rates, coverage options, and customer service ratings to determine which company best meets their needs.
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Effortless Claims Process at Universal Underwriters
Ease of Filing a Claim
Universal Underwriters Insurance Company offers multiple avenues for filing claims, including online submission, phone assistance, and mobile app functionality. Customers can conveniently choose their preferred method for initiating a claim.
Average Claim Processing Time
While specific data on the average claim processing time is not provided, Universal Underwriters prides itself on a fast and efficient claims-handling process, aiming to address claims promptly.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback highlights Universal Underwriters’ reputation for quick and efficient claim resolutions. Positive reviews emphasize the company’s knowledgeable customer service representatives and commendable payout processes.
Universal Underwriters Cutting-Edge Digital Features & Seamless Online Account Management
Mobile App Features and Functionality
Universal Underwriters offers a mobile app equipped with diverse features for policyholders. Although specific details aren’t mentioned, the app likely includes functionalities for policy management, claim tracking, and possibly additional resources for customer convenience.
Online Account Management Capabilities
The company’s online platform provides robust account management capabilities. Policyholders can access their accounts to review policy details, make payments, update information, and potentially handle claims, ensuring seamless digital interaction.
Digital Tools and Resources
While precise information regarding digital tools and resources isn’t explicitly outlined, Universal Underwriters presumably provides customers with a suite of digital resources, possibly including educational materials, FAQs, and support channels accessible through their online platform.
Frequently Asked Questions
What types of insurance does Universal Underwriters offer?
Universal Underwriters Insurance Company provides various coverage options, including auto, home, business, life, health, and pet insurance.
How does Universal Underwriters handle claims and what is their average claim processing time?
The company boasts a fast and efficient claims-handling process, offering multiple avenues for filing claims, including online submission, phone assistance, and potentially a mobile app. While specific data on the average processing time isn’t provided, the company aims to promptly address claims.
Are there specific discounts available with Universal Underwriters Insurance Company?
Yes, Universal Underwriters offers a range of discounts to assist customers in reducing their insurance premiums. However, these discounts might not be universally available and could be subject to certain restrictions.
How does Universal Underwriters rank among its competitors in the insurance industry?
In a highly competitive insurance landscape, Universal Underwriters competes with several major companies for market share and customer loyalty. Customers are encouraged to compare rates, coverage options, and customer service ratings to determine the best fit for their needs.
What digital features and online account management capabilities does Universal Underwriters provide?
Universal Underwriters offers a mobile app with likely functionalities for policy management and claim tracking. Their online platform allows policyholders to review policy details, make payments, update information, and potentially handle claims, ensuring a seamless digital interaction.
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