This section sets forth the Terms and Conditions relating to your use of the Universal Insurance Holdings of North America website maintained at www.uihna.com, and its customer policy management system maintained at www.myuniversal.com. The Terms and Conditions outlined below provide additional information about Universal Insurance Holdings of North America and its subsidiaries and are applicable to your use of www.uihna.com and www.myuniversal.com regardless of how you accessed it. If you do not wish to be bound by these Terms and Conditions, discontinue your use of this site.

Privacy Policy
To receive information about Universal Insurance's Privacy Policy, please view that information at www.uihna.com/en-US/Privacy-and-Security/

Your use of this site
You may not use this site to engage in any illegal activity. You may not use this site to engage in conduct which is defamatory, libelous, threatening or harassing or that infringes on proprietary rights.

INDEMNIFICATION.
You (hereinafter referred to as the “Indemnitor” or the “Indemnifying Party”) will defend, indemnify and hold harmless Universal and its subsidiaries and Affiliates, and their respective employees, officers, and directors (hereinafter referred to as the “Indemnitee” or the “Indemnified Party”) against all costs and expenses of the Indemnified Party (including without limitation reasonable attorney’s fees) arising against the Indemnified Party and all damages of the Indemnified Party arising from or in connection with the use of the site to any illegal activity or the infringement of the proprietary rights.

E-mails to Universal Insurance Holdings electronic addresses
The Universal Insurance Holdings Company e-mail system is a private e-mail system intended only for purposes authorized by Universal Insurance Holdings. You may not send unsolicited commercial e-mail messages to any e-mail addresses at @uihna.com.

Disclaimer of Warranties
Content, products, programs, offerings, or technical information included in this website may be compiled from vendors that maintain policy information, and is subject to change without notice. Universal Insurance Holdings of North America makes no representation or warranty whatsoever regarding, and expressly disclaims legal liability or responsibility for, the completeness, quality, or adequacy of its website, content, or suitability, functionality or operation of the website or its content. Any information, services, materials, software, calculators or other items contained on Universal Insurance’s website are provided "as is" without any warranty of any kind, either expressed or implied; including, without limitation, the implied warranties of merchantability and fitness for a particular purpose. Universal Insurance Holdings does not guarantee that its website will be uninterrupted or free from errors. By using this website, you assume any risk associated with the use or performance of information, services or materials and the risk that the content of this website may be inaccurate, incomplete, or may not meet your needs and requirements. Universal Insurance Holdings will not be held liable for any damages, of any kind, that arises from the use of this website or information contained herein including without limitations the loss of data, business interruption, incidental damages etc.

Secured areas and passwords
Some portions of Universal’s website are restricted and require authorization for access. Website users are prohibited from unauthorized use of or access to areas of the website that are restricted. Attempts to access such areas without authorization may be viewed, monitored and recorded. If you are not an authorized user of the policy management system or do not consent to monitoring, you should not access areas requiring authorization.

To gain access to these restricted areas, you must provide account information and create a password. If you have registered your policy with www.myuniversal.com you are responsible for maintaining the security and confidentiality of your password. Universal Insurance will not ask you for your password. If you know or suspect that your password has been compromised, change your password immediately. If you suspect any unauthorized activity related to your account, contact Universal Insurance Holdings immediately. Universal Insurance Holdings will not assume responsibility for a security breach to your account if you mishandle or do not properly maintain the security of your password.

Universal Insurance Holdings Intellectual Property Rights
The Universal Group tricolor scheme, the terms "Universal Insurance Holdings Company of North America," "Universal Insurance Company," "Universal Insurance Company of North America", “Universal Insurance Company of Texas” “Universal North America Insurance Company”, the phrase "One Family of Companies You Can Trust", and all logos and graphics using the Universal Group name and marks are the intellectual property of Universal Group and its affiliated organizations. Universal Group and/or Universal Insurance Holdings may possess intellectual property rights in materials that are not contemplated in this provision. Unless otherwise indicated, all materials on this website including are the property of Universal Insurance.

Universal Group and Universal Insurance Holdings reserves all rights to its intellectual property. You may print copies of pages of this site for your personal, non-commercial use, provided that all legal ownership notices are retained. ALL OTHER USES ARE PROHIBITED.

Availability of products and services
Universal Insurance Holdings conducts business in certain states in the United States of America. The home office is located in Sarasota, Florida. Not all of the products or services described on this website are available in all states where Universal conducts business. Universal Insurance Holdings has made every effort to inform you of products and services that are available in your state; however, you may not be eligible for all products offered in your state and Universal Insurance Holdings reserves the right to determine your eligibility for products and services as permitted by law.

Other agreements
These "Terms and Conditions" apply to your use of this website and do not touch or concern any other contract or agreement between you and Universal Insurance Holdings or you and your agent.

Insurance quotes and coverages
At this time, insurance quotes are not available through this website. To obtain coverage you must submit an application to Universal Insurance Holdings, through an independent, participating agent. All applications are subject to underwriting approval.
Coverages and product availability may vary by state. For additional information about the products, and coverage options offered by Universal Insurance Holdings, please contact your local insurance agent.

Online claims submissions
If you are a Universal Insurance customer, you may elect to manage your claim online. Submission of your claim through our online policy administration system does not commit Universal Insurance Holdings to cover for any loss. Information submitted through our online policy administration system regarding your insurance policy and any loss is subject to review and verification. In accordance with customary claims procedures, Universal Insurance Holdings reserves the right to request and gather additional information before reaching a decision on any claim. If you have questions concerning the coverage provided by your policy, please contact your agent or a Universal Customer Service Representative at the telephone number provided on your insurance documents.

Changes to this document
The content of this site and of the "Terms and Conditions" contained herein are subject to change without prior notice.

Applicable law/severability
The "Terms and Conditions" set forth herein shall be governed by and interpreted according to the laws of the State of Florida without respect to any conflict of laws provisions. If any portion of these "Terms and Conditions" is unlawful, void or unenforceable, it shall not affect the validity or enforceability of any other provision contained herein.