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WebHomeowners insurance starts at $25/month, but varies by state and depends on factors including your house’s age, the cost to rebuild, and building materials, as well as the coverage and add-ons you choose. How do I file a claim? Just open the Lemonade app and hit the ‘Claim’ button! We’ll guide you through the process from there. http://universalnorthamerica.com/ WebUseful Information for Universal North America Insurance Company Customers Phone Numbers Support Phone 866-458-4262 Contact Phone 866-458-4262 Locations HQ Address 101 Paramount Dr Ste 220 Sarasota, FL 34232 Company Policies Universal North America P.O. Box 844758 Dallas, TX 75284-4758 how does hip replacement surgery work