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We need to take the statement "Water is the universal solvent" with a grain of salt (pun intended). Of course it cannot dissolve everything, but it does dissolve more substances than any other liquid, so the term fits pretty well. Water's solvent properties affect all life on Earth, so water is universally important to all of us.
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Water is called the "universal solvent" because it is capable of dissolving more substances than any other liquid. This is important to every living thing on earth. It means that wherever water goes, either through the air, the ground, or through our bodies, it takes along valuable chemicals, minerals, and nutrients.
It is water's chemical composition and physical attributes that make it such an excellent solvent. Water molecules have a polar arrangement of oxygen and hydrogen atoms—one side (hydrogen) has a positive electrical charge and the other side (oxygen) had a negative charge. This allows the water molecule to become attracted to many other different types of molecules. Water can become so heavily attracted to a different compound, like salt (NaCl), that it can disrupt the attractive forces that hold the sodium and chloride in the salt compound together and, thus, dissolve it.
Our own kidneys and water's solvent properties make a great pair in keeping us alive and healthy. The kidneys are responsible for filtering out substances that enter our bodies from the foods and drinks we consume. But, the kidneys have got to get rid of these substances after they accumulate them. That is where water helps out; being such a great solvent, water washing through the kidneys dissolves these substances and sends them on the way out of our bodies.
At the molecular level, salt dissolves in water due to electrical charges and due to the fact that both water and salt compounds are polar, with positive and negative charges on opposite sides in the molecule. The bonds in salt compounds are called ionic because they both have an electrical charge—the chloride ion is negatively charged and the sodium ion is positively charged. Likewise, a water molecule is ionic in nature, but the bond is called covalent, with two hydrogen atoms both situating themselves with their positive charge on one side of the oxygen atom, which has a negative charge. When salt is mixed with water, the salt dissolves because the covalent bonds of water are stronger than the ionic bonds in the salt molecules.
The positively-charged side of the water molecules are attracted to the negatively-charged chloride ions and the negatively-charged side of the water molecules are attracted to the positively-charged sodium ions. Essentially, a tug-of-war ensues with the water molecules winning the match. Water molecules pull the sodium and chloride ions apart, breaking the ionic bond that held them together. After the salt compounds are pulled apart, the sodium and chloride atoms are surrounded by water molecules, as this diagram shows. Once this happens, the salt is dissolved, resulting in a homogeneous solution.