LinesHome, Dwelling
Agent portalYes
Quote APINo
StatesAL, DE, FL, GA, IL, IN, IA, MD, MA, MI, MN, NH, NJ, NY, NC, PA, SC, VA, WI
Appetite
| Class | Line | States | Notes |
|---|---|---|---|
| Homeowners | Home | Most states | HO-2, HO-3, HO-5 and HO-8 forms for an owner-occupant of a private residence. Optional personal property replacement cost, mechanical breakdown, ordinance or law and higher liability limits. Some options vary by state (Universal Products page, Oct 2026). |
| Condo | Home | Most states | HO-6 for individual condo unit owners, covering interior surfaces, appliances and other building items that are the owner's responsibility rather than the association's. Optional unit rented to others, mechanical breakdown and loss assessment (Universal Products page, Oct 2026). |
| Renters | Home | Most states | HO-4 for a tenant-occupant of a dwelling, condo or apartment used for residential purposes only. Optional personal property replacement cost, scheduled jewelry and higher liability limits (Universal Products page, Oct 2026). |
| Landlord | Dwelling | Most states | DP-1, DP-2 and DP-3 for rental or investment property used for residential purposes and rented on an annual basis. Covers dwelling, other structures, personal property and fair rental value, with optional premises liability and vandalism and malicious mischief (Universal Products page, Oct 2026). |
How to quote Universal Property
→Carrier portal. Quote directly in the Universal Property agent portal.
Getting appointed
Agencies sign up through the Become an Agent link on Universal's agent resources page. Universal trains each agency on its underwriting guidelines and claims submission.