One Alliance Insurance
One Alliance is a home insurer. It was once called Universal North America. 5B Alliance has owned it since January 2025. Agents sell its Florida home plans.
You can find it on our list of Florida home insurance companies. Its Florida company code is 46468 and its NAIC number is 10759.
Taking new policiesChecked Oct 19 Home, business and flood
Is One Alliance leaving Florida? No. It changed its name from Universal North America and got a new owner in 2025, and its site posted no stop on Oct 10, 2026. As of Oct 19, 2026. Source: onealliancena.com.
New policies
Taking new policies
As of Oct 19, 2026
Policies in force
19,337
Jul 31, 2026, OIR
Latest rate change
−10.4%
Home, from May 21, 2026
Financial strength
A (Exceptional)
From Demotech, as of Oct 20, 2026
Complaints
0.97
NAIC index, 2025. 1.00 is average.
Near you
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What's changed recently
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AM Best ends negative review and affirms ratings
On March 13, 2026, AM Best affirmed the credit ratings of One Alliance North America Insurance Company. It also took them out from under review. That review had negative implications.
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AM Best keeps ratings under negative review
On August 19, 2025, AM Best kept the credit ratings under review. The review had negative implications. The firm was then named Universal North America Insurance Company.
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5B Alliance, LLC bought the company on Jan 1, 2025. Then the name changed. The old name was Universal North America Insurance Company. The new name is One Alliance North America Insurance Company.
Rate history
5 years in Florida
In Florida since 2021. Has paid claims through 7 hurricanes.
Compare One Alliance side by side
| One Alliance | State Farm | Universal Property | |
|---|---|---|---|
| New policies | Taking new policies Checked Oct 19, 2026 | Taking new policies Checked Oct 19, 2026 | Taking new policies Checked Oct 19, 2026 |
| Florida policies | 19,337 Florida OIR, Jul 31, 2026 | 654,641 Florida OIR, Jul 31, 2026 | 594,182 Florida OIR, Jul 31, 2026 |
| Latest rate change | −10.4% Home, from May 21, 2026 | +0.8% Home, from Jan 15, 2026 | −5.1% Home, from Oct 16, 2025 |
| Complaint index | 0.97 NAIC, 2025, nationwide, homeowners. 1.00 is average. | 0.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. | 2.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. |
| Financial rating | A (Exceptional) Demotech, Oct 20, 2026 | A- (Excellent) AM Best | A Demotech, Oct 7, 2026 |
| In Florida since | 2021 | 1934 | 1997 |
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- Slide Taking new policies
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- Tower Hill Taking new policies
Tower Hill is a Gainesville insurer. It has covered Florida homes since 1972. New policies come from the Tower Hill Insurance Exchange. Its members own it.
- American Integrity Taking new policies
American Integrity is a Tampa home insurer started in 2006. Now the 5th largest home insurer in Florida, with 423,783 policies on July 31, 2026, per OIR.
Questions people ask about One Alliance
Is One Alliance the same as Universal North America?Yes.
Universal North America Insurance Company changed its name to One Alliance North America Insurance Company. It is the same company, with NAIC number 10759. AM Best and KBRA now use the new name.
Is One Alliance a good company?Here is the public record.
AM Best affirmed the company's credit ratings on March 13, 2026 and took them off review with negative implications. They had been on that review since at least August 2025. KBRA has also affirmed its rating.
Source: AM Best release via Business Wire, March 13, 2026; AM Best release, August 19, 2025
How many Florida homes does One Alliance insure?OIR counted 19,337 personal residential policies for One Alliance.
That was as of July 31, 2026. The count covers home and other personal property policies.
What is the One Alliance claims phone number?Call 866-999-0898 to report a claim, or use the online claim form.
Customer service for personal policies is 866-458-4262, open 8:30 a.m. to 9 p.m. Eastern.
Source: One Alliance claims and contact pages, read Oct 10, 2026
Who owns One Alliance?5B Alliance, LLC.
It bought the holding company and the insurer on Jan 1, 2025. The insurer was then known as Universal North America Insurance Company. Then it renamed them One Alliance. Its chairman and CEO is Rafael Cedeño.
One Alliance reviews and complaints: what the public data shows
One Alliance rating
- Complaints
- 0.97 on the NAIC complaint index 1.00 is average. Higher means more complaints for its size. NAIC, 2025, nationwide, homeowners. As of Oct 16, 2026.
- Years in Florida
- Since 2021 (5 years)
- Regulatory actions
- Not available
No star ratings and no user reviews, only public data.