Why Universal Insurance Agency?

When it comes to auto insurance, home insurance, renter's insurance, life insurance, or even retirement and final expense planning, we're here to help. We shop, you save. When it comes to insurance, Universal Insurance Agency, an independent insurance agency in Dayton, Ohio, ensure the most your money can buy. With more than 50 years of combined experience, our agents will always go that extra mile to ensure your complete satisfaction.

While we represent several different major carriers, we don't work for any particular company. We work for you, our client. This allows us to truly understand your insurance needs, which makes it easier for us to navigate through the multiple carriers available to find the best one for your situation, at an affordable rate. Shopping around for insurance is one of the best ways to ensure that you're paying a competitive rate for insurance, based on your particular circumstances.

Low Cost SR22, Auto, Homeowner's and Renter's Insurance


  • Do you have ACCIDENT FORGIVENESS on your policy?
  • Does your policy offer a VANISHING DEDUCTIBLE?
  • Do you have $0 deductible Renter's Insurance?

If you haven't checked with us, you're missing out on many attractive features available and probably paying lot more than you should on your Auto, Home & Renters' Insurance. Poor credit, bad credit, no problem. Call today for your FREE QUOTE and receive a free gift (while supplies last)!


Learn More About Auto, Home, and Renter's Insurance

Life Insurance and Burial Insurance

We know it's difficult to imagine a time when you won't be there to help / provide for your loved ones, which is why we offer convenient programs designed to meet your life insurance needs. There is no one-size-fits-all when it comes to life insurance. A low cost of $6.92 per month for $100,000 death benefit, 10year level term may be very attractive for a 30 yr old nonsmoker female; whereas a 50yr old may need coverage with built in cash accumulation (for emergency), with guaranty that premium never to go up and benefit never to go down.


Learn More About Life and Burial Insurance

Medicare and Health Insurance

Whether you are over age 65 or under, you simply can't afford to be without health insurance. There are Medicare and Medicaid coverage available for little or no cost for those who qualify; our certified agents are available to help find the most appropriate health coverage that fits your needs.

We work with multiple major health insurance carriers, such as: Anthem BCBS, United Health Care, to name a few. Let's compare your options with each of those companies to find the right plan that best suit you. Call us to schedule a free no obligation consultation.


Learn More about Medicare and Health Insurance

Disability and Long Term Care Insurance

When you are disabled and can't work, who pays your salary? Specially if the disability occurs off the job, you may be out of luck. To make matters worse, without long term care insurance, extended stay in a rehabilitation facility may drain all your resources. Keep your paycheck coming and protect your assets/investments with appropriate Disability Income / LTC insurance . Low cost short term disability and nursing home plan is also available.


Learn More About Disability and Long Term Care Insurance

Retirement Income

We know it's difficult to imagine a time when you won't be there to help provide for your family, which is why Universal Insurance Agency offers programs designed to help meet your life insurance requirements at any stage of life. Call our office in Dayton, Ohio, to schedule a consultation and learn how much we can help you save on any life insurance.


Learn More About Retirement Planning and Social Security