My calls and emails were answered…
My calls and emails were answered promptly by Matthew Benefield. The rate quoted was very competitive, and I feel comfortable with the coverage.
By Janis
Monday, November 9, 2026 · Customer reviews of US businesses

The Fair Hearing score
Excellent
61 reviews
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Honesty, pricing, process and quality scores appear once 5 customers have rated them.
Shop homeowners insurance with Universal Direct.
Universal Direct (universaldirect.com) has 61 customer reviews on The Fair Hearing, with an average rating of 4.9 out of 5.
Showing 56 reviews with 5 stars · Clear filters
My calls and emails were answered promptly by Matthew Benefield. The rate quoted was very competitive, and I feel comfortable with the coverage.
By Janis
The agent was very informative, thorough, and sensitive to our needs. I would highly recommend at least taking a look.
By Lori W.
Easy and fast
By Amos E.
Fast prompt courteous,great company.5 stars
By dennis S.
Pamela Sanchez is the greatest ever. She is so amazingly helpful and responsive. She is the reason I work with this company and I just wrote my fourth policy with them.
By LMS
Impressive. The online quoting tool was great, it pulled accurate information about my property, and i was able to hold the quote and compare coverages for weeks! The coverage amounts were adequate, and the rate—WOW— blows all of the big box carriers out of the water by miles! There is nothing comparable. I called a few times to ask a couple questions and received excellent service. This being my 1st home purchase my wife and I wanted to keep our rate as low as possible, UD has acheived that. So far, so good! Thanks
By Anonymous
Easy online application, friendly, and affordable.
By Dawn G.
Simple, fair, and convenient quote.
By Girma T.