UNIVERSAL NORTH AMERICA INSURANCE COMPANY — homeowners Complaints in Texas

Detailed analysis of 128 homeowners insurance complaints filed against UNIVERSAL NORTH AMERICA INSURANCE COMPANY by consumers in Texas, based on public NAIC and state DOI data.

Key Statistics

homeowners Complaints in Texas: 128
Total homeowners Complaints (All States): 128
Texas Share: 100.0%
NAIC Complaint Ratio: 0.79
AI Risk Score: 50/100

Analysis: UNIVERSAL NORTH AMERICA INSURANCE COMPANY homeowners in Texas

UNIVERSAL NORTH AMERICA INSURANCE COMPANY has accumulated 128 homeowners insurance complaints from consumers in Texas. Across all states, UNIVERSAL NORTH AMERICA INSURANCE COMPANY has 128 total homeowners complaints, making Texas responsible for 100.0% of the volume.

The most frequent complaint sub-type is Delayed payment with 62 complaints. Other common issues include Claim denial (20), Policy cancellation (16), Premium or billing dispute (14).

The most active year was 2025 with 4 complaints filed.

Consumers in Texas who have homeowners disputes with UNIVERSAL NORTH AMERICA INSURANCE COMPANY can file a complaint with the Texas Department of Insurance.

homeowners Complaint Issues in Texas

Issue Type	Complaints	%
Delayed payment	62	48.4%
Claim denial	20	15.6%
Policy cancellation	16	12.5%
Premium or billing dispute	14	10.9%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue	2	1.6%
Unsatisfactory Settle/Offer \| Information Furnished; Additional Monies Received	2	1.6%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Claim Settled; Company Positio	1	0.8%
Unsatisfactory Settle/Offer \| Information Furnished; Question of Fact	1	0.8%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Company Position Upheld; Contract Language/Legal Issue; Quest	1	0.8%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Question of Fact	1	0.8%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Question of Fact; Contract Language/Legal Issue	1	0.8%
Cust Service Claim Handling \| Contract Language/Legal Issue	1	0.8%
Cust Service Claim Handling; Endorsement / Rider; Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Additiona	1	0.8%
Agent Handling \| Information Furnished	1	0.8%
Unsatisfactory Settle/Offer \| Information Furnished	1	0.8%
Unsatisfactory Settle/Offer \| Claim Settled	1	0.8%
Liability Dispute \| Information Furnished; Contract Language/Legal Issue	1	0.8%
Unsatisfactory Settle/Offer \| Information Furnished; Additional Payment Expected	1	0.8%

Complaints by Year

2025: 4 complaints
2024: 7 complaints
2023: 7 complaints
2022: 9 complaints
2021: 16 complaints
2020: 2 complaints
2019: 5 complaints
2018: 5 complaints
2017: 11 complaints
2016: 11 complaints
2015: 6 complaints
2014: 11 complaints
2013: 18 complaints
2012: 16 complaints

Recent homeowners Complaints Against UNIVERSAL NORTH AMERICA INSURANCE COMPANY in Texas

homeowners Complaint #TX-443443-4f15dea4 (2025-12-30) — Delayed payment
homeowners Complaint #TX-438577-743b5b44 (2025-10-31) — Delayed payment
homeowners Complaint #TX-419788-4f15dea4 (2025-03-31) — Delayed payment
homeowners Complaint #TX-418415-743b5b44 (2025-03-13) — Delayed payment
homeowners Complaint #TX-408666-364febfe (2024-11-05) — Cust Service Claim Handling; Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Claim Settled; Company Positio
homeowners Complaint #TX-401562-da41714a (2024-08-23) — Premium or billing dispute
homeowners Complaint #TX-400999-e43d9aa6 (2024-08-19) — Policy cancellation
homeowners Complaint #TX-400106-93bd8ee7 (2024-08-07) — Delayed payment
homeowners Complaint #TX-396750-4f15dea4 (2024-07-01) — Delayed payment
homeowners Complaint #TX-396247-4f15dea4 (2024-06-24) — Delayed payment

Frequently Asked Questions

How many homeowners complaints does UNIVERSAL NORTH AMERICA INSURANCE COMPANY have in Texas?

UNIVERSAL NORTH AMERICA INSURANCE COMPANY has 128 homeowners insurance complaints on file from consumers in Texas, according to NAIC and state DOI data.

What are the most common homeowners complaint issues with UNIVERSAL NORTH AMERICA INSURANCE COMPANY in Texas?

The most common issues are: Delayed payment (62), Claim denial (20), Policy cancellation (16), Premium or billing dispute (14), Unsatisfactory Settle/Offer | Contract Language/Legal Issue (2).

How does UNIVERSAL NORTH AMERICA INSURANCE COMPANY's homeowners record in Texas compare to other states?

UNIVERSAL NORTH AMERICA INSURANCE COMPANY has 128 homeowners complaints in Texas out of 128 total homeowners complaints nationwide. That is 100.0% of their homeowners volume.

Where can I file a homeowners complaint against UNIVERSAL NORTH AMERICA INSURANCE COMPANY in Texas?

You can file a complaint with the Texas Department of Insurance. The NAIC Consumer Information Source at https://content.naic.org/cis_consumer.htm also accepts complaints.