Universal Insurance Holdings of North America, Inc.

What Universal Insurance Holdings of North America, Inc. does

Universal Insurance Holdings of North America, Inc., operating as One Alliance North America Insurance Company, is a Sarasota, Florida-based property and casualty insurance carrier serving individual homeowners, landlords, renters, condominium unit owners, and small-to-medium business owners across the United States. The company underwrites a portfolio of nine coverage lines, including Homeowners, Dwelling Fire, Flood, Earthquake, Equipment Breakdown, Renters, Condominium, Commercial (Businessowner), and Hurricane protection, with flood and earthquake positioned as specialized products that complement standard homeowners policies. Coverage availability is subject to state-by-state regulatory approval and products are not offered in all states.

Revenue is generated through recurring insurance premiums collected from policyholders, with pricing determined via individual underwriting based on property characteristics, risk factors, and coverage limits rather than publicly disclosed rate cards. Distribution is conducted exclusively through a network of independent insurance agents, supported by a ZIP code-based agent finder tool on the corporate website and a self-service policyholder portal branded MyOneAlliance. No direct-to-consumer or digital-native distribution channel is operated, and no parent company, investor base, or capital structure is disclosed. The company was previously known as Universal North America Insurance Company before rebranding to One Alliance North America, a change described as a corporate identity evolution with no alteration to product set or operations.

The company employs between 101 and 250 people and was founded in 2004. No proprietary technology platform, AI/ML systems, mobile application, or public API surface is disclosed. Customer acquisition and servicing are agent-mediated, with the corporate website serving primarily as a top-of-funnel information and lead-routing asset rather than a transactional underwriting interface.

Name

Universal Insurance Holdings of North America, Inc.

Legal name

One Alliance North America Insurance Company

Website

https://uihna.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

101–250 employees

Short description

Universal Insurance Holdings of North America, Inc., operating as One Alliance North America Insurance Company, is a Sarasota, Florida-based property and casualty insurer offering homeowners, flood, earthquake, and small commercial coverage distributed through independent agents across the United States.

Ownership category

akta.pro rank

Product category

Property and Casualty Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Insurance Agencies and Brokerages (52421)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)

akta.pro primary industry

Standalone Umbrella Liability (FSAJANAE)

akta.pro secondary industry

Full-Coverage Personal Auto Insurance (FSAJAAAF)

Keywords

• Property casualty insurance
• Homeowners insurance
• Flood insurance
• Commercial insurance
• Dwelling fire coverage

Headquarters

HQ city

Sarasota

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Premiums: The company generates revenue through insurance premiums collected from policyholders. Policyholders pay regular premiums in exchange for coverage protection against specified risks including homeowners, dwelling fire, flood, earthquake, and commercial property coverage.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Universal Insurance Holdings of North America, Inc. (operating as One Alliance North America Insurance Company) underwrites and issues personal and commercial property and casualty insurance products. Its portfolio includes Homeowners, Dwelling Fire, Flood, Equipment Breakdown, Renters, Condominium, Commercial Businessowner, and Earthquake insurance coverages, distributed through a network of independent insurance agents across the United States.

Product overview

One Alliance North America Insurance Company (formerly Universal North America Insurance Company) offers a portfolio of property and casualty insurance products designed for individuals and businesses. The product lineup includes Homeowners, Dwelling Fire, Flood, Equipment Breakdown, Renters, Condominium, Commercial, and Earthquake insurance coverages. The company also mentions Hurricane coverage. These products are sold through insurance agents and are designed to provide peace of mind and recovery assistance from unexpected events. Products are not available in all states.

Differentiator

Problem solved

Functional benefit

Products and services

• Homeowners Insurance Standard homeowners insurance coverage protecting residential properties against covered perils; designed for individual homeowners seeking protection for their primary residences.
• Dwelling Fire Insurance Insurance coverage for dwelling properties, typically used by landlords for rental property protection against fire and specified perils.
• Flood Insurance Coverage protecting against flood damage; highlighted as important given that 90% of all presidentially declared natural disasters involve flooding.
• Equipment Breakdown Insurance Coverage for repair or replacement of essential home equipment that standard homeowners policies typically exclude, providing protection against common breakdowns.
• Renters Insurance Insurance coverage for tenants protecting their personal belongings and liability.
• Condominium Insurance Coverage specifically designed for condominium unit owners.
• Commercial Businessowner Insurance Businessowner insurance protection for commercial establishments, providing commercial property, business interruption, and liability coverage for small to medium businesses.
• Earthquake Insurance Coverage protecting against earthquake damage to properties.

Quantifiable outcome

• 90% of all presidentially declared natural disasters involve flooding, highlighting the importance of flood coverage

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves1 record

Expansion highlights1 record

Direct peers

• Frontline Insurance: Florida and coastal-states personal property carrier offering homeowners, condo, and renters through independent agents — overlapping product suite and distribution.
• Edison Insurance Company: Florida-licensed personal property carrier writing homeowners, condo, and dwelling fire through independent agents — overlap in product, state, and channel.
• Florida Peninsula Insurance Company: Florida-only homeowners specialist offering homeowners, dwelling fire, and condo coverage through independent agents — near-identical product line and distribution.
• Tower Hill Insurance Group: Florida-based personal property insurance group writing homeowners, condo, and rental dwelling coverages via independent agents — directly comparable product and channel.
• Universal Property & Casualty Insurance Company: Florida-domiciled personal property P&C carrier focused on homeowners and related residential coverages, distributed through independent agents — directly comparable in product mix, geography, and channel.
• Heritage Property & Casualty Insurance Company: Personal lines P&C insurer specializing in Florida homeowners, dwelling fire, and wind-only coverage sold through independent agents — overlapping product set, state footprint, and distribution model.
• American Integrity Insurance Company of Florida: Florida-domiciled homeowners and condo carrier distributed through independent agents — directly comparable line of business and go-to-market.

Emerging players

• Slide Insurance: Florida-focused homeowners insurtech-carrier combining independent-agent distribution with digital underwriting — directly comparable product line with a more tech-forward operating model.

Broad incumbents

• Citizens Property Insurance Corporation: Florida state-backed insurer-of-last-resort for residential property risks; not a private peer but the dominant market-shaping incumbent whose pricing and depopulation dynamics directly affect private Florida homeowners carriers.
• Assurant (ASI / American Strategic Insurance): National personal lines P&C group that underwrites homeowners, flood, and specialty residential coverages — broader portfolio but the most direct scaled comparator to a single-state Florida-style homeowners book.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/175977459252899

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Universal Insurance Holdings of North America, Inc.