Your home is likely the biggest investment you will make in your lifetime, and protecting it is crucial. At Universal Insurance Agency, we understand the importance of protecting your home and the belongings inside. That's why we offer comprehensive home insurance policies that provide you with the protection you need to safeguard your greatest asset.
Our licensed agents in Las Vegas work with multiple insurance companies to provide you with a variety of coverage options. We understand that every homeowner has different needs and budgets, which is why we take the time to understand your specific situation and find the right coverage for you.
Home insurance coverage can protect you from a wide range of unexpected events such as fire, theft, water damage, and more. We provide you with the peace of mind that comes with knowing your home and belongings are fully protected in case of an unforeseen event.
At Universal Insurance Agency, we pride ourselves on offering excellent service and personalized attention to each of our clients. Our goal is to establish long-lasting relationships built on trust, transparency, and integrity.
Don't leave your home and your belongings unprotected.
Contact Universal Insurance Agency today to learn more about our home insurance options and how we can help you get the coverage you need at a price you can afford.
Leave a request to get a home insurance quote and we will reach back out to you as soon as possible or you can give us a call at (702)-838-5141 M-F 8am-5pm
A homeowner’s policy generally will cover the following:
• Your dwelling (home structure), attached garage, storage sheds, and pools.
• Personal belongings inside your home. This is only up to the limits of the policy
• Protection from liability, including damage arising from the home itself
• Living expenses better known as “Loss of Use” will protect you in the case of a fire or natural disaster that temporarily keeps you from living in your home.
Often for additional fees, you can add optional coverage such as:
• Higher liability limits for property or bodily injury
• Replacement cost
• Identity Theft
The HO-4 policy intended for renters and/or tenants will generally cover your personal property in the case that it is damaged by fire, smoke, water leakage, building collapse, stolen, or destroyed. Also, if someone gets hurt in your home, you will have liability protection. It will not cover the building structure as it is already covered in the landlord’s policy.
Yes, It is very important to have personal condo insurance. You are solely responsible for your personal property as well as floors, ceiling coverings, walls, and any customized structures inside your unit. Associations have policies that cover the property and outside physical structures.
Condo Insurance usually provides coverage for:
• Dwelling and other structures
• Personal Property
• Loss of use
• Medical Payments