Universal Insurance Holdings, Inc. UVE

What this company does

Universal Insurance Holdings, Inc., together with its subsidiaries, develops, markets, and underwrites property and casualty insurance products for consumers, predominantly in the personal residential homeowners lines of business, and performs risk management, claims management, and distribution services for its primary insurance entities. The Company's combined statutory capital and surplus was approximately $509.1 million at December 31, 2025. As of December 31, 2025, the Company had 929 full-time employees, of whom 89% were based in Florida. The Company markets and sells its products primarily through a network of approximately 9,500 licensed independent agents, of which 3,900 are in Florida. The Company sells insurance products in 19 states plus an additional license to write in Tennessee, and during 2025, 72.6% of its overall direct premiums written were in Florida. Its primary insurance entities are Universal Property & Casualty Insurance Company (UPCIC) and American Platinum Property and Casualty Insurance Company (APPCIC), which together offer insurance products through both an independent agent network and online distribution channels across a multi-state footprint concentrated in Florida. UPCIC, the Company's primary risk-bearing insurance entity, which accounts for most of the Insurance Entities' business, distributes policies primarily through the independent agency network and offers homeowners, renters/tenants, condo unit owners, and dwelling/fire insurance, along with allied lines and other property, liability, and personal articles coverages, while APPCIC, licensed only in Florida and Georgia, writes similar lines primarily through digital platforms.

Written from the business description in Universal Insurance Holdings, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 27 February 2026. Every sentence was checked against that document before publication.