Skip to main content

States we are in


Just because you live in the Peach State doesn’t mean finding the perfect property insurance will be all peaches and cream. Universal Property & Casualty Insurance Company is here to make getting the perfect policy a little sweeter.

Whether you’re searching for a different policy or just bought or rented a house, condo or apartment in Atlanta, Savannah, Athens, Columbus or the anywhere else in the state, we will help pair you with homeowners, condo or renters insurance to help make your transition as peachy as possible. That way you can spend more time enjoying the beautiful Magnolia trees and homemade sweet tea on a hot summer day.

What Is Covered by Your

Georgia Home Insurance


Georgia home insurance covers more than the actual structure you live in. Your policy can extend protection from your house or condo to the possessions inside and even medical expenses for others after a covered incident.

DDwelling (Coverage A):

This insurance coverage helps protect the physical structure of your home, such as the windows, roof and many other things that help create it.

DOther Structures (Coverage B):

This type of insurance can extend coverage to structures on your property that are not attached to your home, such as a shed or fence.

DPersonal Belongings (Coverage C):

Safeguarding many things inside the four walls of your home, this coverage helps protect your personal belongings — like electronics, clothing and furniture — from damage, destruction and theft.

DLoss of Use (Coverage D):

Also known as additional living expense coverage, loss of use works to reimburse you for extra expenses you incur when a covered peril forces you to temporarily move from your home.

DPersonal Liability (Coverage E):

Liability insurance is there for you if somebody is injured on your property, then sues you for damages and you’re found liable.

DMedical Payments (Coverage F):

This type of insurance coverage helps to pay medical expenses if another person gets injured on your property.

A Local Agent Is Here for All Your Georgia Needs!

If you’re in the Peach State and need help finding a policy, or simply have any questions, give us a call. We’re happy to help in every way possible!

The Following Coverages Are Offered in Georgia:

  • Georgia Homeowners Insurance
  • Georgia Renters Insurance
  • Georgia Condo Insurance