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​INDEPENDENT INSURANCE BROKER

Local Minnesota Universal Insurance Agent

South Lake Agency works with Universal Insurance and 20+ carriers to find you the best options for your insurance needs.

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Universal

South Lake Agency is your preferred Universal Insurance Broker

Compare 20+ Carriers
Local Minnesota Team
No Broker Fees
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Coverage available at Universal Insurance with South Lake Agency

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Homeowners

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1-800-425-9113
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Looking for the best way to secure coverage with Universal insurance?

South Lake Agency makes it easy. As your trusted independent insurance broker, we work directly with Universal —alongside 20+ other top-rated carriers—to ensure you get the right policy at the best available rate. Our team takes the time to compare options, explain coverage in plain language, and tailor protection to your unique needs.

By letting South Lake Agency handle your Universal quote, you gain the advantage of expert guidance, personalized service, and the peace of mind that comes from knowing you have the right coverage—without the stress of shopping around yourself.

Some background on Universal Insurance
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Universal Property & Casualty Insurance Company was formed in the late 1990s and has developed extensive experience in homeowners and residential property insurance, particularly in catastrophe-exposed markets. Universal emphasizes property claims expertise and has expanded beyond its Florida roots into additional states. An active AM Best financial strength rating was not identified in the current sources reviewed; instead, Universal carries an A (Exceptional) Financial Stability Rating from Demotech, affirmed in 2026, and an A- insurance financial strength rating from KBRA with a stable outlook. Its long catastrophe experience and property-focused underwriting are notable strengths.

AAA
Allstate
Berkley One
EMC
Hagerty
Liberty Mutual
Nationwide
Progressive
Safeco
USLI
AAA Life
American Modern
Chubb
Encompass
Hartford
Main Street America
Openly
Protective Life
Selective
Universal
ASI
Badger Mutual
Cincinnati
Foremost
Honeycomb
Markel
Pacific Life
Pure
Stillwater
West Bend
Acuity
Banner Life
Dairyland
Geico
Integrity
National General
Philadelphia
Root
Travelers
Westfield
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When you go directly to Universal, you can only compare the products, coverage options, and pricing available from that carrier. South Lake Agency gives you access to Universal and 20+ other highly rated insurance carriers, allowing us to compare coverage, limits, deductibles, and premiums on your behalf.

By shopping a broader insurance marketplace, we can help you find strong protection at a competitive rate instead of limiting you to a single company. You still have the opportunity to choose coverage from Universal, but you also gain the flexibility to compare it with other carriers and find the option that best fits your needs.

With an independent insurance broker, you do not receive just one quote—you receive personalized guidance and multiple options.

An infographic of the client lifecycle at South Lake Agency including purchase, service, and claims.
Does South Lake Agency offer insurance through Universal?
Yes. South Lake Agency works with Universal and more than 20 other insurance carriers. We can review available coverage from Universal while also comparing it with other carriers to help you find the right combination of coverage, price, and service.
What types of insurance does Universal offer?
Coverage available through Universal may include home, auto, umbrella, business, and other insurance products, depending on your location and eligibility. South Lake Agency can help you understand which Universal products are available and whether they fit your insurance needs.
Can South Lake Agency compare Universal with other insurance companies?
Yes. As an independent insurance broker, South Lake Agency can compare Universal with multiple insurance carriers. We review differences in coverage, deductibles, limits, discounts, and premiums so you can make an informed decision without contacting each carrier separately.
Is Universal the best insurance company for me?
The best insurance company depends on your property, vehicles, coverage needs, claims history, location, and budget. Universal may be a strong option, but South Lake Agency can compare it with other carriers to determine which company offers the best overall fit for your situation.
Why purchase Universal insurance through South Lake Agency?
When you purchase coverage through South Lake Agency, you receive independent guidance from a local insurance team. We can help you compare Universal with other carriers, explain your coverage, make policy changes, and assist you when questions or claims arise.
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Speak with your local Universal agent by calling 952-856-5500 or starting a quote today
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