Pamela Sanchez is the greatest ever.
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
Saturday, November 7, 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.
61 approved reviews, newest moderated first
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.
I have had great customer service when I have had to call in.
By Tara P.
Easy to use online quote.
By Samuel
Most of my transaction was accomplished online through a very customer friendly website. When completed and I had a question or two so I called their office. My call was handled by a live person who was friendly and competent. My questions were discussed and answered in a relaxed fashion, never making me feeling rushed in any way.
By LGB
Very easy to work with. Priced right to fit my budget. Thank you so far for the great service.
By Scott H.