UNIVERSAL INSURANCE HOLDINGS, INC.

# Universal Insurance Holdings, Inc. (UVE)

An integrated insurance holding company headquartered in Fort Lauderdale, Florida, Universal Insurance Holdings operates primarily in the personal residential property and casualty insurance market. The company underwrites homeowners, renters, condo unit owners, and dwelling fire policies, along with allied lines coverage including personal property, liability, and personal articles protection. Beyond underwriting, the company provides ancillary services including actuarial advisory, claims administration, policy administration, underwriting support, and reinsurance program management.

The company distributes its insurance products through three principal channels: an independent agency network, direct-to-consumer online sales, and its proprietary digital insurance agency platform, Clovered.com. Universal Insurance handles underwriting risk evaluation and pricing decisions on both individual and portfolio bases, and actively manages its reinsurance programs to optimize capital efficiency. The company's operations span the United States, with particular exposure to the property insurance markets in states subject to hurricane and weather-related risks.