Festus Allasseh
Univista is an independent insurance agency operating in Florida and a few other states. The agency has been in business for over 10 years and offers a bunch of insurance products, including car, home, and life insurance. Although the agency is still new in business, they have established a strong presence in the state of Florida through quality service and also hold a strong rating on the BBB website.
As an agency, Univista partners with several insurance companies, like Mercury Insurance, Pronto Insurance (formerly Remco Insurance), People’s Trust Insurance, Kemper Insurance, and many others, to offer its policies.
For their insurance offerings, you will typically get all the basic coverage that is being offered by most insurance companies.
Interestingly, drivers can also use Univista’s online comparison tool to compare car insurance quotes and save up to 40% when they switch their insurance coverage to Univista.
But while they claim to offer affordable insurance rates on their website, we couldn’t find the actual cost of their insurance.
Also, we noticed that Univista received a lot of poor feedback from customers online, particularly in the area of claims. This also adds to their limited availability, which leaves their coverage available in only a few states.
Here is our complete review of what Univisita insurance covers, including their auto, home, and life insurance. We will also examine if Univista insurance is an option to consider for your insurance needs.
Pros and Cons
Pros
- Lots of car discount offers, including a 40% discount when you switch to Univista
- They have a mobile app
- A+ rating on BBB
Cons
- New company
- Few states covered
- Some negative reviews online
State availability
Univista insurance is available in the states of Florida, California, Texas, Georgia, Arizona, and North Carolina. Coverage options may vary depending on your state.
About Univista insurance
According to information from the company’s CEO profile on LinkedIn, Univisita Insurance was founded in 2009 and is based in Miami, Florida.
The company claims on its website that it operates over 151 locations in South Florida, including more than 10 corporate offices, 141 franchises, and three call centers.
Univista also has a mobile-friendly app for Android and iOS, to aid easy policy management.
To get a personalized quote from Univista, you just have to submit your name, phone number, and email, and you will be transferred to a licensed agent who will get a quote for you based on your coverage needs.
Univisita car insurance coverage
Auto insurance is required by law in most states, so it is necessary to have the minimum coverage required by your state when buying an auto insurance policy to legally drive.
This is what comes with most basic car policies:
- Personal injury protection: Pays for medical expenses, lost wages, and other expenses for you and your passengers if you’re injured in an accident, regardless of who is at fault.
- Liability coverage: This liability coverage pays claims for those whom you have injured or killed in a car accident for which you were responsible.
- Comprehensive: This covers you against damages like hail, theft, fire, vandalism, and more. There is an applicable deductible under this coverage.
- Collision: If your car sustains a collision with another driver or car, the collision coverage will help repair or replace your car if it is beyond repair.
- Uninsured/Underinsured Motorist Coverage: This will pay you if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages.
- Medical payments: This will typically pay for your medical bills when you’re injured in a vehicle accident, regardless of who is at fault.
Also check our review of » Seaharbor car insurance (for Texas drivers)
Univisita car insurance discounts
Univista’s array of car insurance discounts is quite similar to what is being offered by most leading insurers. This means policyholders can save in many ways, including:
- Safe driver discount: Get a discount for maintaining a clean driving record without any accidents.
- Proof of prior insurance discount: You save more when you show that you have continuous coverage with another insurance provider
- Multi-policy discount: Buying multiple policies, like car and home.
- Paying in advance discount: This applies when you buy your policy several days in advance.
- Paying in advance: You get a discount for paying your policy in full at the time of purchase.
- Electronic payments discount: You save more when you allow the insurance company to debit your monthly payment through a checking account or credit/debit card.
- Insuring multiple car discounts: This applies when you insure more than one car on your policy.
- Paperless document delivery discount: If you choose to receive your insurance documents electronically, you also get a discount.
- Vehicle safety features discount: This applies if your vehicle is equipped with certain safety features.
Univista home insurance coverage
Univista home insurance includes some of the best coverage options for homeowners, renters, condo dwellers, and landlords. Regardless of what type of coverage you may need for your home, Univista’s licensed agents can always tailor the right policy for you based on your needs.
This is what the Univista home policy covers you for:
- Personal property: This will pay to repair or replace your damaged belongings like clothes, furniture, electronics, and similar items.
- Dwelling coverage: If the physical structure of your home, including roofs, walls, etc., gets damaged, this will cover the full repair or replacement costs.
- Personal liability: Personal liability will cover damages caused by you to other people or their property, including legal fees if you get sued.
- Loss of use:Also known as additional living expenses, will pay for the costs you incur for accommodations, meals, and other expenses if you can’t live in your home due to repairs after a covered loss.
- Other structures: This extends coverage to other structures you own that are not connected to your home, like shreds, garages, and fences.
- Medical payments: This will help cover the cost of medical treatments for injuries to guests in your home, regardless of who is at fault.
Also check our review of » Loggerhead insurance (for Floridian homeowners)
Flood insurance
Flood insurance does not typically come standard in most homeowners policies, so you may need to separately purchase coverage against floods from the National Flood Insurance Program or other private companies that offer flood insurance.
If you live in flood-exposed areas in states like New Jersey, South Carolina, Massachusetts, and New York, Shorone Insurance can offer you combined home and flood insurance – allowing you to manage both policies in one place.
Univista home insurance discounts
We didn’t find many discounts displayed on Univista’s website for home insurance; however, you can save up to 40% when you purchase a policy online.
Univista life insurance
If you pass away, life insurance can be beneficial to your loved ones. It will help reimburse the beneficiary up to the amount specified in the policy, which can be used to cover other living expenses like debts, education, funeral expenses, and many more.
Univista does not directly sell its policies, including life insurance, but can help you find one through its partnership with top insurers.
Although the company doesn’t provide much information regarding its life insurance coverage, these are the various life insurance policy options available.
- Term life: As the name suggests, this type of life insurance is set for a specific term, usually 10, 20, or 30 years, and will pay a death benefit to your loved ones if you die within the set term.
- Whole life: This type provides coverage throughout the life of the insured person. This can be used as an investment known as cash value, which you can draw from.
- Universal life: This allows policyholders to adjust their coverage levels and premium payments.
- Final expense: This is specifically made to cover funeral and burial expenses. Benefits under this policy are typically small compared to others.
- Short-term: Short-term life insurance covers the insured for a short period of time, typically a year or less.
Univista life insurance discounts
Like all other policies, Univista applies a 40% discount to your premium when you compare and buy life insurance.
Other types of insurance provided by Univisita
- Health insurance
- Boat insurance
- Commercial insurance
- Business owner’s
- General liability
- Rideshare
- Professional liability
- Worker’s compensation
- Medical malpractice
- Wellness and fitness
- Commercial auto
Health insurance
Univisita insurance offers Obamacare health insurance, a reform law made to increase access to affordable insurance coverage. This policy is grouped into four metal tiers: bronze, silver, gold, and platinum.
- Bronze Plan: This is the entry plan and offers the least coverage and benefits, but is more affordable. It comes in handy if you are less likely to visit the doctor, and it pays up to 60% of the associated costs.
- Silver plan: This is an upgrade to the bronze plan and comes with a moderate level of coverage. This plan pays up to 70%
- Gold Plan: The gold plan covers up to 80% of the cost, leaving you to pay only 20%. It comes with an improved level of coverage options than the Silver plan but has a higher monthly premium charge.
- Platinum: This is the highest level of coverage you can get under this policy. If you are more likely to visit the doctor often, this plan is ideal for you. It pays up to 90% of your health insurance costs.
To enroll in Obamacare health insurance, you can speak with an agent at Univista, and they will guide you through the steps.
Rideshare insurance
Ridesharing insurance is made for drivers who work for ridesharing services like Uber and Lyft.
Most car insurance policies exclude coverage for commercial use, but this policy includes that protection in addition to standard coverage.
If you drive for any rideshare service, you can get coverage from Univista. Toggle insurance also offers rideshare insurance, so we think you might want to check that out too.
Need pay-as-you-go car insurance? check our review of » Hugo car insurance
Boat insurance
Whether it is a sailboat, yacht, or pontoon boat, Univista can get them covered from risks, including you.
Coverage options include liability, physical damage, medical payments, and personal effects coverage.
Univista insurance ratings and reviews
Here is what we found about Univista reviews and ratings online.
Reviews on AM Best
Univista does not hold a rating from AM Best. This would however depend on the insurance company you are being matched with.
Reviews on BBB
Univista insurance has been accredited by the Better Business Bureau (BBB) and is rated A+. This means the company has a good business profile and minimal complaints from customers.
Still on the BBB, we noticed some negative reviews left by unsatisfied customers complaining of poor claims management from the agency.
Reviews on Yelp
Univista was given 1.4 out of 5 stars on Yelp, where most customers were complaining about how badly the company processed their claims.
Reviews on Demotech
Since Univista only partners with standalone insurance companies to provide insurance, you may need to check the Demotech rating of the company that underwrites your policy.
How to file a claim
This can be done via the Univista mobile app or website. You can also send your claim via email to customerservice@univistainsurance.com or call (305) 521-9154 to speak with a customer service representative.
Frequently Asked Questions (FAQs)
Is Univista insurance good?
Univista insurance is a good and legit company located in Miami, Florida, with numerous offices across the southern part of the state. Univista has been providing insurance for over ten years across multiple states.
How old is Univista insurance?
Univista was founded in 2009 and has been serving the state of Florida for more than a decade, including California, Texas, Arizona, Georgia, and North Carolina
Can I customize my policy with Univista?
When enrolling for a quote, you can discuss your coverage needs with their agents, and they will tailor the right policy for you according to your needs and budget.