Universal Insurance Holdings, Inc.
Universal Insurance Holdings, Inc. (NASDAQ: UVE) operates as a holding company offering property and casualty insurance and value-added insurance services through its primary insurance entities, Universal Property & Casualty Insurance Company and American Platinum Property and Casualty Insurance Company. The company's… From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What Universal Insurance Holdings, Inc. does
In the company’s own words
Universal Insurance Holdings, Inc. (NASDAQ: UVE) operates as a holding company offering property and casualty insurance and value-added insurance services through its primary insurance entities, Universal Property & Casualty Insurance Company and American Platinum Property and Casualty Insurance Company. The company's website is UniversalInsuranceHoldings.com.
The company develops, markets, and underwrites insurance products predominantly in the personal residential homeowners lines of business, serving consumers across a multi-state footprint with particular concentration in Florida, which represented 72.6 percent of direct premiums written during 2025. UVE operates in nineteen states including Alabama, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Maryland, Massachusetts, Michigan, Minnesota, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, South Carolina, Virginia, and Wisconsin, with an additional license in Tennessee.
UVE's distribution strategy combines an appointed independent agent network of approximately 9,500 licensed agents with direct-to-consumer online channels, including its wholly-owned digital insurance agency, Clovered.com, which partners with 39 carrier partners. The company's insurance products include homeowners, renters, condo unit owners, dwelling fire, and allied lines coverage with additional options for personal property, liability, and personal articles protection.
The company maintains a vertically integrated operational structure with 929 full-time employees as of December 31, 2025, of whom 89 percent are based in Florida. Approximately 54 percent of employees work in claims management operations, with 30 percent comprising the in-house claims litigation team. UVE's subsidiary operations include Evolution Risk Advisors serving as managing general agent, Alder Adjusting managing claims processing, and Blue Atlantic Reinsurance Corporation handling reinsurance placement and management.
Both insurance entities maintain financial strength ratings of "A" (Exceptional) from Demotech and "A-" from Kroll Bond Rating Agency. Combined statutory capital and surplus totaled approximately 509.1 million dollars at December 31, 2025. The company's strategic focus emphasizes disciplined underwriting, maintaining a resilient balance sheet enhanced through comprehensive reinsurance programs, and generating non-risk bearing income through its value-added service businesses to enhance returns across underwriting cycles.
Company details
- Sector
- Financials
- Industry (SIC)
- Property & Casualty Insurance
- Headquarters
- FORT LAUDERDALE, FL
- Fiscal year end
- December
- CIK
- 891166
- SIC
- 6331
Financial performance, year by year
Fiscal 2013–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns Universal Insurance Holdings, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · Universal Insurance Holdings, Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Universal Insurance Holdings, Inc.’s bonds, as funds hold them
Funds report holding 2 issues of Universal Insurance Holdings, Inc.’s debt, $36.98M at market value — what funds hold, not the company’s total debt. Weighted-average coupon 5.92%, maturing 2026 to 2031.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
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