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Which is a better company?
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Ark Royal is a subsidiary of ASI which in my opinion is one of the best homeowners companies out there. Universal is very strong financially. I would recommend going on to google and checking reviews on both companies. I would never bash a specific company but If I had to choose I would go Ark Royal, plus their rates are a little more competitive. Good Luck.
A friend has a quote with Ark for $700 more than what I'm quoting with Universal. His Ark quote has no O&L on a 1977 built home and a $5000 AOP deductible. I'm $700 cheaper with a $2500 deductible and 25% O&L. Would you still go with Ark if you were him?