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WELCOME TO UNIVERSAL LINES INSURANCE SERVICES

Universal Lines Insurance Services is an independent insurance agency located in Burbank, California. We represent all the major providers for Personal and Commercial Lines Insurance Products. We specialize in preferred and non preferred risks, which insure that our client's are matched with the best coverage and prices at each of their individual needs.

Our mission at Universal Lines Insurance is to provide insurance products and services with high quality, protection and value pricing. The key to success is quality business services and products, personal contact, timely and accurate service, development of one-on-one relationships with our cliental, and a reputation of honesty and integrity. We would like to thank you for trusting and choosing Universal Lines Insurance to assist you with all your insurance needs.

Even for those born to shop, insurance seldom tops the list of favorite purchases. For less enthusiastic buyers, the thought of calling an insurance agent or broker and sitting through a session of deductibles, exclusions, riders, or other insurance terminology can seem intimidating.

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Furthermore, insurance protection is an intangible benefit. You usually don't collect on your investment until disaster strikes-whether it's property damage (home or auto), injury, illness, or death. Although many consider insurance necessary, it is not always understood. As a result, consumers often buy insurance without adequately planning or even understanding what the marketplace has to offer.

The purchase of insurance is one of the most important personal business transactions that you make. Your financial future and that of your family may depend upon what policies you choose to purchase. Smart shopping takes time and effort. The rewards of smart shopping are increased understanding of the insurance you have purchased, more control over the insurance you have purchased, and the peace of mind that results from an informed decision making process. Smart shopping starts and ends with Universal Lines Insurance Services where we represent the Industries leading preferred companies and create a package that focuses on each individual's needs.

CALIFORNIA AUTO INSURANCE

Auto insurance is a contract that helps pay for certain types of financial losses or obligations resulting from the use or ownership of an automobile. To obtain this contract (insurance policy), you pay a specified amount of money called a premium. In return for the premium paid, the auto insurance company agrees to pay certain expenses and legal liabilities depending on the terms of the insurance policy. Having the right California Auto Insurance may prevent you from suffering a large financial loss in the event of an automobile accident.

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CALIFORNIA HOME INSURANCE

Homeowners insurance often protects your largest financial investment. California Home Insurance is
an elective combination of coverages for the risks of owning a home. This can include losses due to fire, burglary, vandalism, earthquake, and other perils. Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. Homeowners insurance is a package policy.

This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets. Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.


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CALIFORNIA MEDICAL INSURANCE

Illness or non-work related injury can be financially devastating, especially when considering the rising cost of health care over the past 20 years. California Medical Insurance can help protect you from large out-of-pocket health care expenses that can accumulate during an acute or chronic illness. Health insurance pays for expenses incurred for diagnosis and treatment of covered medical conditions. There are many different types of health insurance plans available in California. If you have a choice, it is important to choose the plan that best fits your specific needs, budget, and lifestyle. In some cases if you have a job, your employer may provide group comprehensive major medical coverage, but this is not always the case. As an individual you may purchase comprehensive major medical coverage through an authorized insurance agent or broker who is licensed by the State of California to sell health insurance products like Universal Lines Insurance Services.

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CALIFORNIA LIFE INSURANCE

The purchase of life insurance is an important decision for both you and your family. There are many reasons why California Life Insurance policies or annuity contracts are purchased, but these reasons should be based upon your financial planning needs. Factors such as your marital status, number of dependents and cost for their support, future education needs, current and anticipated family income, and your current assets and debt obligations all play a role in determining the amount of life insurance that is right for you. Your need for life insurance will vary with your age and responsibilities. The amount of insurance you buy should depend on the standard of living you wish to assure for your dependents. You should consider the amount of assets and sources of continuing income available to your dependents when you pass away.

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CALIFORNIA BUSINESS INSURANCE

Whether you are contemplating starting a new business, are a new business owner, or have owned a business for many years, California Business Insurance can be one of the most important ongoing financial investments you make in the life of your company. Operating a business is extremely challenging without having to worry about suffering significant financial loss due to unforeseen circumstances. Business insurance can protect you from some of the most common losses experienced by business owners such as property damage, business interruption, theft, liability, and worker injury. Purchasing the appropriate commercial insurance coverage can make the difference between going out of business after a severe loss or recovering with minimal business interruption and financial impairment to your company's operations.


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NATURAL CATASTROPHES
Natural catastrophes can happen in an instant. Families and individuals should prepare in advance for any major disaster by having emergency kits ready and developing plans to follow before, during and after an event. There are specific, effective ways people can mitigate the financially-devastating and life-threatening dangers posed by Wildfires, Earthquakes and Floods. Different types of insurance can help alleviate the financial burdens of rebuilding a home or business, or replacing other material possessions.

CLAIM TIPS

  • Ask for written guidelines from the adjuster on how the claim will be adjusted.
    Welcome the help offered by the adjuster, but stick to business and share only the information you actually know to be fact; don't speculate about what's been damaged or lost.
  • Keep a log of all phone calls to and from the adjuster.
  • Keep copies of all correspondence between you and the adjuster/insurer.
  • Gather all receipts of your living expenses and other documents that pertain to insurance or your property. Keep the receipts in one-easy to find location and in chronological order if possible.
  • Get copies of the Unfair Practices Act and the Fair Claims Settlement Practices Regulations from the California Department of Insurance, either from the Website or by calling the hotline at 1-800-927-4357

GETTING YOU INSURED
Apply today for free insurance quotes. Our carriers will offer the most competitive quotes for the most protective coverages. All you need to do is fill out our quick quote form and one of our professionally licensed agents will contact you and help you walk away with unmatched protection from the comfort and convenience of your own home.

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