Owning property represents a significant investment — both financially and emotionally. Any kind of loss would be difficult, but starting from scratch seems inconceivable. But if that moment ever comes, having solid protection, the right protection, will make all the difference.

Your landlord is responsible for insuring the structure of your building. But protecting your personal property and valuables inside is up to you. Fire or other disaster could leave you without a roof over your head and belongings destroyed. Don’t take chances. Universal North America has a policy just for renters to give you the specific coverage you need. At a price that makes sense.

If you own a small business, you need coverage to protect the people, property and assets it takes to keep your business running. Universal North America’s Businessowner’s protection is designed for small businesses and retail stores. Plus, coverage automatically adjusts for inflation at each renewal to make sure your coverage is sufficient.

Condominium owners have some insurance under their condo association’s policy. But that coverage typically extends only to the outer structure and common areas, leaving individual condos and their contents uninsured. That’s a significant gap in coverage, but can be filled by having reliable, sufficient protection. Universal North America’s Condominium coverage fills that gap — and gives you peace of mind.

Owning rental property means you’ve made a significant investment of time and money. It’s more than a house; it’s a business. Make sure your investment — and income — are protected with a Dwelling Fire policy, also known as a landlord policy. Universal North America offers strong, reliable coverage for damage, liability or sudden loss of income.

Floods can strike without warning, anytime and anywhere. You don’t have to be in a low-lying or coastal area. The threat often comes after hurricanes or heavy storms, but they can also happen after a drought or wildfire when vegetation that would normally absorb excess water is not there. Flood insurance must be purchased separately because damage from flooding is not covered under a typical Homeowners, Renters, Condo or Dwelling Fire policy.

California has a 99 percent probability of experiencing a 6.7 magnitude or greater earthquake in the next 30 years, according to the U.S. Geological Survey. Yet, less than 12 percent of homeowners carry Earthquake insurance. How can you best protect your home and property? Purchase Earthquake insurance.

Equipment failures are more common than you might think. Yet, very few Homeowner policies cover the costly mechanical and electrical equipment that keep a home comfortable and enjoyable. Like air-conditioning systems or expensive electronics. Universal North America offers Home Equipment Protection to cover systems from potential losses — even damage that wouldn’t be typically covered under warranty or maintenance contract.