UVE / Universal Insurance Holdings, Inc. - Документы SEC, Годовой отчет, Доверенное заявление

, by and between the Company and JP Morgan Chase Bank, N.A. as Administrative Agent.

Execution Version CREDIT AGREEMENT dated as of May 30, 2025 among UNIVERSAL INSURANCE HOLDINGS, INC.

, 2025, between Sean P. Downes and the Company

AMENDED AND RESTATED EXECUTIVE CHAIRMAN AGREEMENT This Amended and Restated Executive Chairman Agreement (this “Agreement”), dated as of July 28, 2025 (the “Effective Date”), is by and between Universal Insurance Holdings, Inc.

Form of Notice of Grant of Restricted Stock and Terms and Conditions of Restricted Stock Award under the 2021 Omnibus Incentive Plan. †

NOTICE OF GRANT OF RESTRICTED STOCK PURSUANT TO THE UNIVERSAL INSURANCE HOLDINGS, INC.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001

Accountants’ Acknowledgment

EXHIBIT 15.1 ACCOUNTANTS' ACKNOWLEDGMENT We hereby acknowledge our awareness of the use of our report dated July 30, 2025, included within the Quarterly Report on Form 10-Q of Universal Insurance Holdings, Inc. for the quarter ended June 30, 2025, in Registration Statement numbers 333-163564, 333-174125, 333-181994, 333-189122, 333-203866, 333-215750, 333-222993, 333-238314, 333-257896, and 333-28

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 24, 2025 Universal Insurance H

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 24, 2025 Universal Insurance Holdings, Inc.

Universal Reports Second Quarter 2025 Results

Exhibit 99.1 Universal Reports Second Quarter 2025 Results •Diluted GAAP earnings per common share (EPS) of $1.21; diluted adjusted* EPS of $1.23 •Annualized return on average common equity (“ROCE”) of 31.9%, annualized adjusted* ROCE of 29.4% •Direct premiums written of $596.7 million, up 3.2% from the prior year quarter •Book value per share of $16.39, up 18.9% year-over-year; adjusted book valu

Universal Declares Regular Cash Dividend & Announces Earnings Dates

Exhibit 99.1 Universal Declares Regular Cash Dividend & Announces Earnings Dates Fort Lauderdale, Fla., July 9, 2025 – Universal Insurance Holdings, Inc. (NYSE: UVE) (“Universal” or the “Company”) announced today that its Board of Directors has declared a quarterly cash dividend of 16 cents per share of common stock, payable August 8, 2025 to shareholders of record as of the close of business on A

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 9, 2025 Universal Insurance Holdings, Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K (Mark-One) x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 OR o TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-33251 A. Full title of the plan

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) June 13, 2025 Universal Insurance Ho

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) June 13, 2025 Universal Insurance Holdings, Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 29, 2025 Universal Insurance Hol

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 29, 2025 Universal Insurance Holdings, Inc.

Universal's Insurance Subsidiaries Complete 2025-2026 Reinsurance Program

Exhibit 99.1 Universal's Insurance Subsidiaries Complete 2025-2026 Reinsurance Program •Successfully secured a combined UPCIC and APPCIC catastrophe reinsurance program with no material changes to historical reinsurance partners or terms and conditions. •Added $352 million of multi-year coverage, extending through the 2026-2027 treaty period, most of which sits below the FHCF attachment point. •Th

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 May 1, 2025 Date of Report (Date of earliest event reported) Universal Insurance Holdings, Inc.

Universal Announces New $20 Million Share Repurchase Authorization

Exhibit 99.1 Universal Announces New $20 Million Share Repurchase Authorization Fort Lauderdale, Fla., May 1, 2025 – Universal Insurance Holdings, Inc. (NYSE: UVE) (“Universal” or the “Company”) announced today that its Board of Directors has authorized a new share repurchase program under which the Company may repurchase up to $20 million of its outstanding shares of common stock through May 1, 2

Accountants’ Acknowledgment

EXHIBIT 15.1 ACCOUNTANTS' ACKNOWLEDGMENT We hereby acknowledge our awareness of the use of our report dated April 30, 2025, included within the Quarterly Report on Form 10-Q of Universal Insurance Holdings, Inc. for the quarter ended March 31, 2025, in Registration Statement numbers 333-163564, 333-174125, 333-181994, 333-189122, 333-203866, 333-215750, 333-222993, 333-238314, 333-257896, and 333-

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 00

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.)

DEFA14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.) Filed by the Registrant ☒   Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.) Filed by the Registrant ☒   Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 24, 2025 Universal Insurance Holdings, Inc.

Universal Reports First Quarter 2025 Results

Exhibit 99.1 Universal Reports First Quarter 2025 Results •Diluted GAAP earnings per common share (EPS) of $1.44; diluted adjusted* EPS of $1.44 •Annualized return on average common equity (“ROCE”) of 41.7%, annualized adjusted* ROCE of 36.4% •Direct premiums written of $467.1 million, up 4.7% from the prior year quarter •Book value per share of $14.98, up 18.1% year-over-year; adjusted book value

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 14, 2025 Universal Insurance Holdings, Inc.

Universal Declares Regular Cash Dividend & Announces Earnings Dates

Exhibit 99.1 Universal Declares Regular Cash Dividend & Announces Earnings Dates Fort Lauderdale, Fla., April 14, 2025 – Universal Insurance Holdings, Inc. (NYSE: UVE) (“Universal” or the “Company”) announced today that its Board of Directors has declared a quarterly cash dividend of 16 cents per share of common stock, payable May 16, 2025 to shareholders of record as of the close of business on M

ider Trading Policy

Exhibit 19 UNIVERSAL INSURANCE HOLDINGS, INC. INSIDER TRADING POLICY (revised March 2022) A.Overview The policy of Universal Insurance Holdings, Inc. and its subsidiaries (collectively, “Universal” or the “Company”) is to comply with all applicable securities laws and regulations. The Company has important responsibilities to establish controls to ensure compliance with such laws and regulations.

List of Subsidiaries

Exhibit 21 LIST OF SUBSIDIARIES 1. Coastal Homeowners Insurance Specialists, Inc. (Florida) 2. Tigerquote.com Insurance Solutions of Ohio, Inc. (Ohio) 3. Tigerquote.com Insurance Solutions of Pennsylvania, Inc. (Pennsylvania) 4. Universal Adjusting Corporation (d/b/a Alder Adjusting)(Florida) 5. Assurance Systems, Inc. (Florida) 6. Universal Inspection Corporation (d/b/a Wicklow Inspection Corpora

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-33251 UNIVERSAL INSUR

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 25, 2025 Universal Insurance Holdings, Inc.

Universal Reports Fourth Quarter 2024 Results

Exhibit 99.1 Universal Reports Fourth Quarter 2024 Results •Diluted GAAP earnings per common share (EPS) of $0.21; diluted adjusted* EPS of $0.25 •Annualized return on average common equity (“ROCE”) of 6.2%, annualized adjusted* ROCE of 6.5% •Direct premiums written of $470.9 million, up 8.8% from the prior year quarter •Book value per share of $13.28, up 12.7% year-over-year; adjusted book value

Universal Declares Regular Cash Dividend

Exhibit 99.1 Universal Declares Regular Cash Dividend Fort Lauderdale, Fla., February 6, 2025 – Universal Insurance Holdings, Inc. (NYSE: UVE) (“Universal” or the “Company”) announced today that its Board of Directors has declared a quarterly cash dividend of 16 cents per share of common stock, payable March 14, 2025 to shareholders of record as of the close of business on March 7, 2025. About Uni

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 6, 2025 Universal Insuranc

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 6, 2025 Universal Insurance Holdings, Inc.

Universal Declares Regular and Special Cash Dividends

Exhibit 99.1 Universal Declares Regular and Special Cash Dividends Fort Lauderdale, Fla., November 6, 2024 – Universal Insurance Holdings, Inc. (NYSE: UVE) (“Universal” or the “Company”) announced today that its Board of Directors has declared a regular quarterly cash dividend of 16 cents per share of common stock and a special cash dividend of 13 cents per share of common stock, together totaling

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 6, 2024 Universal Insurance Holdings, Inc.

Accountants’ Acknowledgment

EXHIBIT 15.1 ACCOUNTANTS' ACKNOWLEDGMENT We hereby acknowledge our awareness of the use of our report dated October 30, 2024, included within the Quarterly Report on Form 10-Q of Universal Insurance Holdings, Inc. for the quarter ended September 30, 2024, in Registration Statement numbers 333-163564, 333-174125, 333-181994, 333-189122, 333-203866, 333-215750, 333-222993, 333-238314, 333-257896, an

Form of Universal Insurance Holdings, Inc. Restricted Shares Agreement under the 2021 Omnibus Incentive Plan for grants in 2024

Exhibit 10.2 NOTICE OF GRANT OF RESTRICTED STOCK UNITS PURSUANT TO THE UNIVERSAL INSURANCE HOLDINGS, INC. 2021 OMNIBUS INCENTIVE PLAN FOR GOOD AND VALUABLE CONSIDERATION, Universal Insurance Holdings, Inc., a Delaware corporation (the “Company”), hereby awards (this “Award”) to the Participant designated in Section A of this Notice of Grant (the “Notice”) the number of restricted stock units set f

Form of Universal Insurance Holdings, Inc.

Exhibit 10.1 NOTICE OF GRANT OF PERFORMANCE SHARE UNITS PURSUANT TO THE UNIVERSAL INSURANCE HOLDINGS, INC. 2021 OMNIBUS INCENTIVE PLAN FOR GOOD AND VALUABLE CONSIDERATION, Universal Insurance Holdings, Inc., a Delaware corporation (the “Company”), hereby awards (this “Award”) to the Participant designated in Section A of this Notice of Grant (the “Notice”) the number of performance share units set

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Numbe

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 24, 2024 Universal Insurance Holdings, Inc.

Universal Reports Third Quarter 2024 Results

Exhibit 99.1 Universal Reports Third Quarter 2024 Results •Loss per common share of $0.57; adjusted* loss per common share of $0.73 •Direct premiums written of $574.4 million, up 8.0% from the prior year quarter •Book value per share of $14.15, up 37.0% year-over-year; adjusted book value per share of $15.76, up 12.6% year-over-year •Total capital returned to shareholders of $9.1 million, includin

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001

Accountants’ Acknowledgment

EXHIBIT 15.1 ACCOUNTANTS' ACKNOWLEDGMENT We hereby acknowledge our awareness of the use of our report dated July 30, 2024, included within the Quarterly Report on Form 10-Q of Universal Insurance Holdings, Inc. for the quarter ended June 30, 2024, in Registration Statement numbers 333-163564, 333-174125, 333-181994, 333-189122, 333-203866, 333-215750, 333-222993, 333-238314, 333-257896, and 333-28

Form of Notice of Grant of Restricted Stock and Terms and Conditions of Restricted Stock Award under the 2021 Omnibus Incentive Plan

NOTICE OF GRANT OF RESTRICTED STOCK PURSUANT TO THE UNIVERSAL INSURANCE HOLDINGS, INC.

, by and between the Company and JPMorgan Chase Bank, N.A.

US-DOCS\150589545.3 EXECUTION COPY CREDIT AGREEMENT dated as of May 31, 2024 among UNIVERSAL INSURANCE HOLDINGS, INC. The Lenders Party Hereto JPMORGAN CHASE BANK, N.A. as Administrative Agent JPMORGAN CHASE BANK, N.A. as Sole Bookrunner and Sole Lead Arranger TABLE OF CONTENTS Page i ARTICLE I Definitions ............................................................................................

Universal Reports Second Quarter 2024 Results

Exhibit 99.1 Universal Reports Second Quarter 2024 Results •Diluted GAAP earnings per common share (EPS) of $1.21; diluted adjusted* EPS of $1.18 •Annualized return on average common equity (“ROCE”) of 37.4%, annualized adjusted* return on average common equity of 30.5% •Direct premiums written of $578.3 million, up 5.7% from the prior year quarter •Book value per share of $13.79, up 24.0% year-ov

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 25, 2024 Universal Insurance H

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 25, 2024 Universal Insurance Holdings, Inc.

As filed with the Securities and Exchange Commission on July 19, 2024

As filed with the Securities and Exchange Commission on July 19, 2024 Registration No.

Filing Fee Table.

Exhibit 107.1 Calculation of Filing Fee Tables FORM S-8 (Form Type) UNIVERSAL INSURANCE HOLDINGS, INC. (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities Security Type Security Class Title (1) Fee Calculation Rule (2) Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Equity Common

Universal Declares Regular Cash Dividend & Announces Earnings Dates

Exhibit 99.1 Universal Declares Regular Cash Dividend & Announces Earnings Dates Fort Lauderdale, Fla., July 11, 2024 – Universal Insurance Holdings, Inc. (NYSE: UVE) (“Universal” or the “Company”) announced today that its Board of Directors has declared a quarterly cash dividend of 16 cents per share of common stock, payable August 9, 2024 to shareholders of record as of the close of business on

Universal Declares Regular Cash Dividend & Announces Earnings Dates

Exhibit 99.1 Universal Declares Regular Cash Dividend & Announces Earnings Dates Fort Lauderdale, Fla., July 11, 2024 – Universal Insurance Holdings, Inc. (NYSE: UVE) (“Universal” or the “Company”) announced today that its Board of Directors has declared a quarterly cash dividend of 16 cents per share of common stock, payable August 9, 2024 to shareholders of record as of the close of business on

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K/A CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 11, 2024 Universal Insurance Holdings, Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 11, 2024 Universal Insurance H

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 11, 2024 Universal Insurance Holdings, Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K (Mark-One) x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR o TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-33251 A. Full title of the plan

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) June 17, 2024 Universal Insurance Holdings, Inc.

Universal's Insurance Subsidiaries Complete 2024-2025 Reinsurance Program

Exhibit 99.1 Universal's Insurance Subsidiaries Complete 2024-2025 Reinsurance Program •Successfully secured a combined UPCIC and APPCIC catastrophe reinsurance program with no material changes to historical reinsurance partners or terms and conditions. •Replaced $217M of cost-free Reinsurance to Assist Policyholders (RAP) coverage and $150M of expiring catastrophe bond coverage in the traditional

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 30, 2024 Universal Insurance Holdings, Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 00

Accountants’ Acknowledgment

EXHIBIT 15.1 ACCOUNTANTS' ACKNOWLEDGMENT We hereby acknowledge our awareness of the use of our report dated April 30, 2024, included within the Quarterly Report on Form 10-Q of Universal Insurance Holdings, Inc. for the quarter ended March 31, 2024, in Registration Statement numbers 333-163564, 333-174125, 333-181994, 333-189122, 333-203866, 333-215750, 333-222993, 333-238314, and 333-257896 on Fo

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.  )

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.  ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitt

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.)

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 25, 2024 Universal Insurance Holdings, Inc.

Universal Reports First Quarter 2024 Results

Exhibit 99.1 Universal Reports First Quarter 2024 Results •Diluted GAAP earnings per common share (EPS) of $1.14; diluted adjusted* EPS of $1.07 •Annualized return on average common equity (“ROCE”) of 38.1%, annualized adjusted* return on average common equity of 29.4% •Direct premiums written of $446.2 million, up 8.8% from the prior year quarter •Book value per share of $12.68, up 20.0% year-ove

Universal Declares Regular Cash Dividend & Announces Earnings Dates

Exhibit 99.1 Universal Declares Regular Cash Dividend & Announces Earnings Dates Fort Lauderdale, Fla., April 10, 2024 – Universal Insurance Holdings, Inc. (NYSE: UVE) (“Universal” or the “Company”) announced today that its Board of Directors has declared a quarterly cash dividend of 16 cents per share of common stock, payable May 17, 2024 to shareholders of record as of the close of business on M

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 10, 2024 Universal Insurance Holdings, Inc.

Universal Announces New $20 Million Share Repurchase Authorization

Exhibit 99.1 Universal Announces New $20 Million Share Repurchase Authorization Fort Lauderdale, Fla., March 12, 2024 – Universal Insurance Holdings, Inc. (NYSE: UVE) (“Universal” or the “Company”) announced today that its Board of Directors has authorized a new share repurchase program under which the Company may repurchase up to $20 million of its outstanding shares of common stock through March

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 March 12, 2024 Date of Report (Date of earliest event reported) Universal Insurance Holdings, Inc.

List of Subsidiaries

Exhibit 21 LIST OF SUBSIDIARIES 1. Coastal Homeowners Insurance Specialists, Inc. (Florida) 2. Tigerquote.com Insurance Solutions of Ohio, Inc. (Ohio) 3. Tigerquote.com Insurance Solutions of Pennsylvania, Inc. (Pennsylvania) 4. Universal Adjusting Corporation (d/b/a Alder Adjusting)(Florida) 5. Assurance Systems, Inc. (Florida) 6. Universal Inspection Corporation (d/b/a Wicklow Inspection Corpora

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-33251 UNIVERSAL INSUR

Form of Restricted Stock Unit Agree

NOTICE OF GRANT OF RESTRICTED STOCK UNITS PURSUANT TO THE UNIVERSAL INSURANCE HOLDINGS, INC.

Universal Insurance Holdings, Inc. Clawback Policy

316058816.4 UNIVERSAL INSURANCE HOLDINGS, INC. COMPENSATION RECOUPMENT POLICY Recoupment of Incentive-Based Compensation It is the policy of Universal Insurance Holdings, Inc. (the “Company”) that, in the event the Company is required to prepare an accounting restatement of the Company’s financial statements due to the Company’s material non-compliance with any financial reporting requirement unde

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 22, 2024 Universal Insuran

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 22, 2024 Universal Insurance Holdings, Inc.

Universal Reports Fourth Quarter 2023 Results

Exhibit 99.1 Universal Reports Fourth Quarter 2023 Results •Diluted GAAP earnings per common share (EPS) of $0.68; diluted adjusted* EPS of $0.43 •Annualized return on average common equity (“ROCE”) of 24.9%, annualized adjusted* ROCE of 12.4% •Direct premiums written of $432.6 million, up 4.0% from the prior year quarter •Book value per share of $11.78, up 24.4% year-over-year; adjusted book valu

UVE / Universal Insurance Holdings, Inc. / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 11)* Name of issuer: Universal Insurance Holdings Inc Title of Class of Securities: Common Stock CUSIP Number: 91359V107 Date of Event Which Requires Filing of this Statement: December 29, 2023 Check the appropriate box to designate the rule pursuant to which this Schedu

UVE / Universal Insurance Holdings, Inc. / DIMENSIONAL FUND ADVISORS LP - SEC SCHEDULE 13G Passive Investment

SC 13G/A 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 4 )* Universal Insurance Holdings Inc (Name of Issuer) Common Stock (Title of Class of Securities) 91359V107 (CUSIP Number) December 29, 2023 (Date of Event Which Requires Filing of this Statement) Check the appro

Universal Declares Regular Cash Dividend & Announces Earnings Dates

Exhibit 99.1 Universal Declares Regular Cash Dividend & Announces Earnings Dates Fort Lauderdale, Fla., February 8, 2024 – Universal Insurance Holdings, Inc. (NYSE: UVE) (“Universal” or the “Company”) announced today that its Board of Directors has declared a quarterly cash dividend of 16 cents per share of common stock, payable March 15, 2024 to shareholders of record as of the close of business

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 8, 2024 Universal Insuranc

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 8, 2024 Universal Insurance Holdings, Inc.

Amended and Restated Employment Agreement, dated January 1, 2024, between Kimberly Cooper Campos and the Company

kimberlycoopercampos-emp 317217770.3 AMENDED AND RESTATED EMPLOYMENT AGREEMENT This employment agreement (the “Agreement”), dated as of January 1, 2024, is between Universal Insurance Holdings, Inc., a Delaware corporation (“Company”), and Kimberly Cooper Campos (the “Executive”). WHEREAS, the parties are parties to that certain Employment Agreement between the Company and Executive dated as of Ja

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 29, 2023 Universal Insuran

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 29, 2023 Universal Insurance Holdings, Inc.

Amended and Restated Employment Agreement, dated January 1, 2024, between Frank C. Wilcox and the Company

frankcwilcox-employmenta

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 15, 2023 Universal Insurance Holdings, Inc.

Universal Declares Regular and Special Cash Dividends

Exhibit 99.1 Universal Declares Regular and Special Cash Dividends Fort Lauderdale, Fla., November 15, 2023 – Universal Insurance Holdings, Inc. (NYSE: UVE) (“Universal” or the “Company”) announced today that its Board of Directors has declared a regular quarterly cash dividend of 16 cents per share of common stock and a special cash dividend of 13 cents per share of common stock, together totalin

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K/A (Amendment No.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Numbe

Accountants’ Acknowledgment

EXHIBIT 15.1 ACCOUNTANTS' ACKNOWLEDGMENT We hereby acknowledge our awareness of the use of our report dated October 30, 2023, included within the Quarterly Report on Form 10-Q of Universal Insurance Holdings, Inc. for the quarter ended September 30, 2023, in Registration Statement numbers 333-163564, 333-174125, 333-181994, 333-189122, 333-203866, 333-215750, 333-222993, 333-238314, and 333-257896

Universal Reports Third Quarter 2023 Results

Exhibit 99.1 Universal Reports Third Quarter 2023 Results •Loss per common share of $0.20; adjusted* loss per common share of $0.16 •Direct premiums written of $532.0 million, up 6.3% from the prior year quarter •Net combined ratio of 110.7%, down 28.5 points from the prior year quarter •Book value per share of $10.33, up 21.0% year-over-year; adjusted book value per share of $14.00, up 13.5% year

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 26, 2023 Universal Insuranc

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 26, 2023 Universal Insurance Holdings, Inc.

UVE / Universal Insurance Holdings Inc / MILLENNIUM MANAGEMENT LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 UNIVERSAL INSURANCE HOLDINGS, INC. (Name of Issuer) COMMON STOCK, PAR VALUE $0.01 PER SHARE (Title of Class of Securities) 91359V107 (CUSIP Number) SEPTEMBER 15, 2023 (Date of event which requires filing of this statement) Check the appropriate box to designate the rule pu

Credit Agreement, dated June 30, 2023, by and between the Company and JPMorgan Chase Bank, N.A.

Exhibit 10.1 EXECUTION COPY CREDIT AGREEMENT dated as of June 30, 2023 among UNIVERSAL INSURANCE HOLDINGS, INC. The Lenders Party Hereto JPMORGAN CHASE BANK, N.A. as Administrative Agent JPMORGAN CHASE BANK, N.A. as Sole Bookrunner and Sole Lead Arranger |US-DOCS\142339288.4|| TABLE OF CONTENTS Page ARTICLE I Definitions 1 SECTION 1.01 Defined Terms 1 SECTION 1.02 Classification of Loans and Borro

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001

Form of Notice of Grant of Restricted Stock and Terms and Conditions of Restricted Stock Award under the 2021 Omnibus Incentive Plan

Exhibit 10.2 NOTICE OF GRANT OF RESTRICTED STOCK PURSUANT TO THE UNIVERSAL INSURANCE HOLDINGS, INC. 2021 OMNIBUS INCENTIVE PLAN FOR GOOD AND VALUABLE CONSIDERATION, Universal Insurance Holdings, Inc., a Delaware corporation (the “Company”), hereby awards (this “Award”) to the Participant designated in Section A of this Notice of Grant (the “Notice”) the number of shares of restricted stock set for

ACCOUNTANTS' ACKNOWLEDGMENT

EXHIBIT 15.1 ACCOUNTANTS' ACKNOWLEDGMENT We hereby acknowledge our awareness of the use of our report dated July 31, 2023, included within the Quarterly Report on Form 10-Q of Universal Insurance Holdings, Inc. for the quarter ended June 30, 2023, in Registration Statement numbers 333-163564, 333-174125, 333-181994, 333-189122, 333-203866, 333-215750, 333-222993, 333-238314, and 333-257896 on Form

Universal Reports Second Quarter 2023 Results

Exhibit 99.1 Universal Reports Second Quarter 2023 Results •Diluted earnings per common share of $0.93; diluted adjusted* earnings per common share of $0.87 •Annualized return on average common equity (“ROCE”) of 34.8%, annualized adjusted* return on average common equity of 25.3% •Direct premiums written of $547.1 million, up 2.7% from the prior year quarter •Net combined ratio of 99.1%, down 1.8

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 27, 2023 Universal Insurance H

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 27, 2023 Universal Insurance Holdings, Inc.

Universal Declares Regular Cash Dividend of 16 Cents per Share

Exhibit 99.1 Universal Declares Regular Cash Dividend of 16 Cents per Share Fort Lauderdale, Fla., July 20, 2023 – Universal Insurance Holdings, Inc. (NYSE: UVE) (“Universal” or the “Company”) announced today that its Board of Directors has declared a quarterly cash dividend of 16 cents per share of common stock, payable August 11, 2023 to shareholders of record as of the close of business on Augu

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 20, 2023 Universal Insurance H

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 20, 2023 Universal Insurance Holdings, Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K (Mark-One) x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR o TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-33251 A. Full title of the plan

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) June 08, 2023 Universal Insurance Ho

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) June 08, 2023 Universal Insurance Holdings, Inc.

Universal Announces New $20 Million Share Repurchase Authorization

Exhibit 99.1 Universal Announces New $20 Million Share Repurchase Authorization Fort Lauderdale, Fla., June 12, 2023 – Universal Insurance Holdings, Inc. (NYSE: UVE) (“Universal” or the “Company”) announced today that its Board of Directors has authorized a new share repurchase program under which the Company may repurchase up to $20 million of its outstanding shares of common stock through June 1

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 June 12, 2023 Date of Report (Date of earliest event reported) Universal Insurance Ho

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 June 12, 2023 Date of Report (Date of earliest event reported) Universal Insurance Holdings, Inc.

Universal’s Insurance Subsidiaries Complete 2023-2024 Reinsurance Program

Exhibit 99.1 Universal’s Insurance Subsidiaries Complete 2023-2024 Reinsurance Program •Successfully secured a combined UPCIC and APPCIC catastrophe reinsurance program with no material changes to historical reinsurance partners or terms and conditions. •Total cost of the 2023-2024 reinsurance program for UPCIC and APPCIC projected to be approximately 31.8% of estimated direct premiums earned for

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 30, 2023 Universal Insurance Holdings, Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

DEFA14A 1 d450364ddefa14a.htm DEFA14A Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for U

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 00

Form of Notice of Grant of Restricted Stock Units Pursuant to the 2021 Omnibus Incentive Plan

Exhibit 10.1 NOTICE OF GRANT OF RESTRICTED STOCK UNITS PURSUANT TO THE UNIVERSAL INSURANCE HOLDINGS, INC. 2021 OMNIBUS INCENTIVE PLAN FOR GOOD AND VALUABLE CONSIDERATION, Universal Insurance Holdings, Inc., a Delaware corporation (the “Company”), hereby awards (this “Award”) to the Participant designated in Section A of this Notice of Grant (the “Notice”) the number of restricted stock units set f

Accountants’ Acknowledgment

EXHIBIT 15.1 ACCOUNTANTS' ACKNOWLEDGMENT We hereby acknowledge our awareness of the use of our report dated May 02, 2023, included within the Quarterly Report on Form 10-Q of Universal Insurance Holdings, Inc. for the quarter ended March 31, 2023, in Registration Statement numbers 333-163564, 333-174125, 333-181994, 333-189122, 333-203866, 333-215750, 333-222993, 333-238314, and 333-257896 on Form

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitte

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitte

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 27, 2023 Universal Insurance

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 27, 2023 Universal Insurance Holdings, Inc.

Universal Reports First Quarter 2023 Results

Exhibit 99.1 Universal Reports First Quarter 2023 Results •Diluted earnings per common share of $0.79; diluted adjusted* earnings per common share of $0.79 •Annualized return on average common equity (“ROCE”) of 31.7%, annualized adjusted* return on average common equity of 23.9% •Direct premiums written of $410.1 million, up 3.4% from the prior year quarter •Book value per share of $10.57, up 11.

Universal Declares Regular Cash Dividend of 16 Cents per Share

Exhibit 99.1 Universal Declares Regular Cash Dividend of 16 Cents per Share Fort Lauderdale, Fla., April 12, 2023 – Universal Insurance Holdings, Inc. (NYSE: UVE) (“Universal” or the “Company”) announced today that its Board of Directors has declared a quarterly cash dividend of 16 cents per share of common stock, payable May 19, 2023 to shareholders of record as of the close of business on May 12

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 12, 2023 Universal Insurance

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 12, 2023 Universal Insurance Holdings, Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-33251 UNIVERSAL INSUR

List of Subsidiaries

Exhibit 21 LIST OF SUBSIDIARIES 1. Coastal Homeowners Insurance Specialists, Inc. (Florida) 2. Tigerquote.com Insurance Solutions of Ohio, Inc. (Ohio) 3. Tigerquote.com Insurance Solutions of Pennsylvania, Inc. (Pennsylvania) 4. Universal Adjusting Corporation (d/b/a Alder Adjusting)(Florida) 5. Assurance Systems, Inc. (Florida) 6. Universal Inspection Corporation (d/b/a Wicklow Inspection Corpora

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 23, 2023 Universal Insurance Holdings, Inc.

Universal Reports Fourth Quarter 2022 Results

Exhibit 99.1 Universal Reports Fourth Quarter 2022 Results •Diluted GAAP earnings per common share (EPS) of $0.82; diluted adjusted* EPS of $0.72 •Book value per share of $9.47, up 10.9% from third quarter 2022; adjusted book value per share of $12.89, up 4.5% from third quarter 2022 •Net combined ratio of 101.4%, down from 131.4% in the prior year quarter •Direct premiums written of $416.1 millio

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q/A

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q/A (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 0

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q/A

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q/A (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q/A

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q/A (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Num

UVE / Universal Insurance Holdings, Inc. / DIMENSIONAL FUND ADVISORS LP - SEC SCHEDULE 13G Passive Investment

SC 13G/A 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 3 )* Universal Insurance Holdings Inc (Name of Issuer) Common Stock (Title of Class of Securities) 91359V107 (CUSIP Number) December 30, 2022 (Date of Event Which Requires Filing of this Statement) Check the appro

UVE / Universal Insurance Holdings, Inc. / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 10)* Name of issuer: Universal Insurance Holdings Inc. Title of Class of Securities: Common Stock CUSIP Number: 91359V107 Date of Event Which Requires Filing of this Statement: December 30, 2022 Check the appropriate box to designate the rule pursuant to which this Sched

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 9, 2023 Universal Insurance Holdings, Inc.

Universal Declares Regular Cash Dividend & Announces Earnings Dates

Exhibit 99.1 Universal Declares Regular Cash Dividend & Announces Earnings Dates Fort Lauderdale, Fla., February 9, 2023 – Universal Insurance Holdings, Inc. (NYSE: UVE) (“Universal” or the “Company”) announced today that its Board of Directors has declared a quarterly cash dividend of 16 cents per share of common stock, payable March 16, 2023 to shareholders of record as of the close of business

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 December 15, 2022 Date of Report (Date of earliest event reported) Universal Insurance Holdings, Inc.

Universal Declares Regular and Special Cash Dividends

Exhibit 99.1 Universal Declares Regular and Special Cash Dividends Fort Lauderdale, Fla., November 14, 2022 ? Universal Insurance Holdings, Inc. (NYSE: UVE) (?Universal? or the ?Company?) announced today that its Board of Directors has declared a regular quarterly cash dividend and a special cash dividend, together totaling 29 cents per share of common stock, payable December 16, 2022 to sharehold

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 14, 2022 Universal Insurance Holdings, Inc.

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 3, 2022 Universal Insurance Holdings, Inc.

Credit Agreement, dated October 31, 2022, by and between the Company and JPMorgan Chase Bank, N.A.

Exhibit 10.2 EXECUTION COPY CREDIT AGREEMENT dated as of October 31, 2022 among UNIVERSAL INSURANCE HOLDINGS, INC. The Lenders Party Hereto JPMORGAN CHASE BANK, N.A. as Administrative Agent JPMORGAN CHASE BANK, N.A. as Sole Bookrunner and Sole Lead Arranger TABLE OF CONTENTS Page ARTICLE I Definitions 1 SECTION 1.01 Defined Terms 1 SECTION 1.02 Classification of Loans and Borrowings 24 SECTION 1.0

Amendment No. 1 Credit Agreement, dated August 30, 2022, by and between the Company and JPMorgan Chase Bank, N.A

Exhibit 10.1 EXECUTION COPY AMENDMENT NO. 1 Dated as of August 30, 2022 to CREDIT AGREEMENT Dated as of August 31, 2021 THIS AMENDMENT NO. 1 (this ?Amendment?) is made as of August 30, 2022 by and among Universal Insurance Holdings, Inc., a Delaware corporation (the ?Borrower?), the Lenders listed on the signature pages hereof and JPMorgan Chase Bank, N.A., as administrative agent for the Lenders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Numbe

Accountants’ Acknowledgment

EXHIBIT 15.1 ACCOUNTANTS' ACKNOWLEDGMENT We hereby acknowledge our awareness of the use of our report dated November 02, 2022, included within the Quarterly Report on Form 10-Q of Universal Insurance Holdings, Inc. for the quarter ended September 30, 2022, in Registration Statement number 333-185484 on Form S-3 and Registration Statement numbers 333-163564, 333-174125, 333-181994, 333-189122, 333-

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 27, 2022 Universal Insurance Holdings, Inc.

Universal Reports Third Quarter 2022 Results

Exhibit 99.1 Universal Reports Third Quarter 2022 Results ?Diluted GAAP loss per common share of $2.36, diluted adjusted loss per common share* of $2.27 ?Direct premiums written of $500.7 million, up 15.6% from the prior year quarter ?Repurchased 203,244 shares for $2.4 million. Total capital returned to shareholders of $7.4 million, including $0.16 per share regular quarterly dividend. *Reconcili

Universal Provides Hurricane Ian Update

Exhibit 99.1 Universal Provides Hurricane Ian Update Fort Lauderdale, Fla., October 11, 2022 ? Universal Insurance Holdings (NYSE: UVE) (the ?Company?) today provided an update on Hurricane Ian. ?Our thoughts are with all impacted Florida residents,? said Stephen J. Donaghy, Chief Executive Officer. ?We?re focused on helping our policyholders rebuild and return to normalcy. Our claims, catastrophe

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 11, 2022 Universal Insurance Holdings, Inc.

Form of Notice of Grant of Restricted Stock and Terms and Conditions of Restricted Stock Award under the 2021 Omnibus Incentive Plan

Exhibit 10.1 NOTICE OF GRANT OF RESTRICTED STOCK PURSUANT TO THE UNIVERSAL INSURANCE HOLDINGS, INC. 2021 OMNIBUS INCENTIVE PLAN FOR GOOD AND VALUABLE CONSIDERATION, Universal Insurance Holdings, Inc., a Delaware corporation (the ?Company?), hereby awards (this ?Award?) to the Participant designated in Section A of this Notice of Grant (the ?Notice?) the number of shares of restricted stock set for

Accountants’ Acknowledgment

EXHIBIT 15.1 ACCOUNTANTS' ACKNOWLEDGMENT We hereby acknowledge our awareness of the use of our report dated July 29, 2022, included within the Quarterly Report on Form 10-Q of Universal Insurance Holdings, Inc. for the quarter ended June 30, 2022, in Registration Statement number 333-185484 on Form S-3 and Registration Statement numbers 333-163564, 333-174125, 333-181994, 333-189122, 333-203866, 3

Form of Notice of Grant on Performance Share Units and Terms and Conditions of Performance Share Units under the 2021 Omnibus Incentive Plan

Exhibit 10.2 NOTICE OF GRANT OF PERFORMANCE SHARE UNITS PURSUANT TO THE UNIVERSAL INSURANCE HOLDINGS, INC. 2021 OMNIBUS INCENTIVE PLAN FOR GOOD AND VALUABLE CONSIDERATION, Universal Insurance Holdings, Inc., a Delaware corporation (the ?Company?), hereby awards (this ?Award?) to the Participant designated in Section A of this Notice of Grant (the ?Notice?) the number of performance share units set

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 27, 2022 Universal Insurance Holdings, Inc.

Universal Reports Second Quarter 2022 Results

Exhibit 99.1 Universal Reports Second Quarter 2022 Results ?Diluted GAAP earnings per share (?EPS?) of $0.24, adjusted EPS1 of $0.47 ?Annualized return on average common equity (?ROCE?) of 7.7%, adjusted1 ROCE of 12.8% ?Direct premiums written of $532.5 million, up 12.4% from the prior year quarter ?Repurchased 282,552 shares for $3.5 million. Total capital returned to shareholders of $8.5 million

Universal Declares Cash Dividend of 16 Cents per Share

Exhibit 99.1 Universal Declares Cash Dividend of 16 Cents per Share Fort Lauderdale, Fla., July 19, 2022 ? Universal Insurance Holdings, Inc. (NYSE: UVE) (?Universal? or the ?Company?) announced today that its Board of Directors declared a quarterly cash dividend of 16 cents per share of common stock, payable on August 9, 2022, to shareholders of record as of the close of business on August 2, 202

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 19, 2022 Universal Insurance Holdings, Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 o TRANSITION REPORT PURSUANT TO SECTION 15(

11-K 1 uve-11k20211231.htm 11-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR o TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-33251 A. Fu

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) June 10, 2022 Universal Insurance Holdings, Inc.

Universal’s Insurance Subsidiaries Complete 2022-2023 Reinsurance Programs

Exhibit 99.1 Universal?s Insurance Subsidiaries Complete 2022-2023 Reinsurance Programs ?Successfully secured more open market catastrophe capacity across all treaties and multiple events than at any point in the history of the Company. ?The largest private reinsurance participants all maintain a rating from S&P Global of A+ or higher (Nephila Capital, RenaissanceRe, Munich Re, Chubb Tempest Re, E

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 31, 2022 Universal Insurance Holdings, Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 00

Accountants’ Acknowledgment

EXHIBIT 15.1 ACCOUNTANT'S ACKNOWLEDGMENT We hereby acknowledge our awareness of the use of our report dated May 02, 2022, included within the Quarterly Report on Form 10-Q of Universal Insurance Holdings, Inc. for the quarter ended March 31, 2022, in Registration Statement number 333-185484 on Form S-3 and Registration Statement numbers 333-163564, 333-174125, 333-181994, 333-189122, 333-203866, 3

Form of Notice of Grant on Non-Qualified Stock Option and Terms and Conditions of Non-Qualified Stock Option under the 2021 Omnibus Incentive Plan

Exhibit 10.4 NOTICE OF GRANT OF NON-QUALIFIED STOCK OPTION AWARD PURSUANT TO THE UNIVERSAL INSURANCE HOLDINGS, INC. 2021 OMNIBUS INCENTIVE PLAN FOR GOOD AND VALUABLE CONSIDERATION, Universal Insurance Holdings, Inc. (the ?Company?) hereby grants, pursuant to the provisions of the Company?s 2021 Omnibus Incentive Plan (as amended from time to time, the ?Plan?), to the Optionee designated in this No

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitte

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 28, 2022 Universal Insurance Holdings, Inc.

Universal Reports First Quarter 2022 Results

Exhibit 99.1 Universal Reports First Quarter 2022 Results ?Diluted GAAP earnings per share (?EPS?) of $0.56, non-GAAP adjusted EPS1 of $0.64 ?Annualized return on average equity (?ROE?) of 16.9% ?Direct premiums written of $396.5 million, up 8.5% from the prior year quarter ?Direct premiums earned up 10.4% from the prior year quarter ?Net combined ratio of 97.9%, up 4.8 points from the prior year

Universal Insurance Holdings Declares Cash Dividend of 16 Cents per Share

Exhibit 99.1 Universal Insurance Holdings Declares Cash Dividend of 16 Cents per Share Fort Lauderdale, Fla., April 20, 2022 ? Universal Insurance Holdings, Inc. (NYSE: UVE) (?Universal? or the ?Company?) announced today that its Board of Directors declared a quarterly cash dividend of 16 cents per share of common stock, payable on May 20, 2022, to shareholders of record as of the close of busines

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 20, 2022 Universal Insurance Holdings, Inc.

Amended and Restated Employment Agreement, dated April 7, 2022 between Stephen J. Donaghy and the Company

Exhibit 10.1 AMENDED AND RESTATED EMPLOYMENT AGREEMENT This Amended and Restated Employment Agreement (the ?Agreement?), dated as of April 7, 2022 (the ?Effective Date?) is between Universal Insurance Holdings, Inc., a Delaware corporation (the ?Company?) and Stephen J. Donaghy (the ?Executive?). WHEREAS, the Company and Executive are parties to an Employment Agreement, dated as of February 12, 20

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 7, 2022 Universal Insurance Holdings, Inc.

Universal Insurance Holdings, Inc. Offer to Exchange Up to $100,000,000 in aggregate principal amount of 5.625% Senior Unsecured Notes due 2026 that have been registered under the Securities Act of 1933, as amended, (CUSIP #91359V AC1 /ISIN #/ ISIN:

Table of Contents Filed pursuant to Rule 424(b)(3) Registration No. 333-263238 PROSPECTUS Universal Insurance Holdings, Inc. Offer to Exchange Up to $100,000,000 in aggregate principal amount of 5.625% Senior Unsecured Notes due 2026 that have been registered under the Securities Act of 1933, as amended, (CUSIP #91359V AC1 /ISIN #/ ISIN: US91359VAC19) for any and all outstanding unregistered 5.625

Universal Insurance Holdings, Inc. 1110 W. Commercial Blvd. Fort Lauderdale, Florida 33309

Universal Insurance Holdings, Inc. 1110 W. Commercial Blvd. Fort Lauderdale, Florida 33309 March 22, 2022 VIA EDGAR United States Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.E. Washington, DC 20549 Attention: Mr. Eric Envall Re: Request for Acceleration of Effectiveness of Registration Statement on Form S-4 (File No. 333-263238) Ladies and Gentlemen: Universa

Universal Insurance Holdings Announces Leadership Changes

Exhibit 99.1 Universal Insurance Holdings Announces Leadership Changes ?Arash Soleimani appointed to Chief Strategy Officer ?Rob Luther promoted to Chief Investment Officer ?Gary Ropiecki promoted to Principal Accounting Officer Fort Lauderdale, Fla., March, 14, 2022 ? Universal Insurance Holdings (NYSE: UVE) (?Universal? or the ?Company?) announced today the appointment of Arash Soleimani as Chie

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 14, 2022 Universal Insurance Holdings, Inc.

Filing Fee Table

EX-FILING FEES 6 d177681dexfilingfees.htm EX-FILING FEES Exhibit 107 Calculation of Filing Fee Tables Form S-4 (Form Type) Universal Insurance Holdings, Inc. (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Note Maximum Aggregate

Form T-1 Statement of Eligibility under the Trust Indenture Act of 1939, as amended, of UMB Bank, N.A., with respect to the Indenture, dated as of November 23, 2021, between Universal Insurance Holdings, Inc. and UMB Bank, N.A., as trustee, relating to the 5.625% Senior Unsecured Notes Due 2026

Exhibit 25.1 SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM T-1 STATEMENT OF ELIGIBILITY UNDER THE TRUST INDENTURE ACT OF 1939 OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE Check if an Application to Determine Eligibility of a Trustee Pursuant to Section 305(b)(2) UMB BANK, NATIONAL ASSOCIATION (Exact name of Trustee as specified in its charter) 44-0194180 I.R.S. Employer Identific

Form of Letter of Transmittal relating to the 5.625% Senior Unsecured Notes Due 2026

Exhibit 99.1 UNIVERSAL INSURANCE HOLDINGS, INC. LETTER OF TRANSMITTAL To Tender for Exchange 5.625% Senior Unsecured Notes due 2026 CUSIP # 91359V AA5 and CUSIP # 91359V AB3 (the ?Old Notes?) for 5.625% Senior Unsecured Notes due 2026 that have been registered under the Securities Act of 1933 (the ?Securities Act?) CUSIP # 91359V AC1 (the ?New Notes?) PURSUANT TO THE PROSPECTUS DATED , 2022 THE EX

As filed with the Securities and Exchange Commission on March 2, 2022

Table of Contents As filed with the Securities and Exchange Commission on March 2, 2022 Registration No.

Form of Notice of Grant of Restricted Stock Units and Terms and Conditions of Restricted Stock Unit Award under the 2021 Omnibus Incentive Plan

Exhibit 10.15 NOTICE OF GRANT OF RESTRICTED STOCK UNITS PURSUANT TO THE UNIVERSAL INSURANCE HOLDINGS, INC. 2021 OMNIBUS INCENTIVE PLAN FOR GOOD AND VALUABLE CONSIDERATION, Universal Insurance Holdings, Inc., a Delaware corporation (the ?Company?), hereby awards (this ?Award?) to the Participant designated in Section A of this Notice of Grant (the ?Notice?) the number of restricted stock units set

List of Subsidiaries

Exhibit 21 LIST OF SUBSIDIARIES 1. Coastal Homeowners Insurance Specialists, Inc. (Florida) 2. Tigerquote.com Insurance Solutions of Ohio, Inc. (Ohio) 3. Tigerquote.com Insurance Solutions of Pennsylvania, Inc. (Pennsylvania) 4. Universal Adjusting Corporation (d/b/a Alder Adjusting)(Florida) 5. Assurance Systems, Inc. (Florida) 6. Universal Inspection Corporation (d/b/a Wicklow Inspection Corpora

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K (Mark One) ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-33251 UNIVERSAL INSUR

Universal Insurance Holdings Reports Fourth Quarter 2021 Results

Exhibit 99.1 Universal Insurance Holdings Reports Fourth Quarter 2021 Results ?4Q21 direct premiums earned up 11.5%; FY21 up 14.4% driven by primary rate increases ?4Q21 diluted GAAP earnings per share (EPS) of $(1.54), non-GAAP adjusted EPS1 of $(1.53) predominantly driven by inflationary trends ?FY21 diluted GAAP EPS of $0.65, non-GAAP adjusted EPS1 of $0.61 ?Clovered.com, our digital agency sub

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 24, 2022 Universal Insurance Holdings, Inc.

Universal Insurance Holdings Declares Cash Dividend of 16 Cents per Share and Estimates 2021 Accident Year Strengthening and Prior Years' Development

Exhibit 99.1 Universal Insurance Holdings Declares Cash Dividend of 16 Cents per Share and Estimates 2021 Accident Year Strengthening and Prior Years' Development ?Declared a quarterly cash dividend of 16 cents per share ?Inflationary pressures driving enhanced conservatism in current and prior years' reserves ?All capital raised in the fourth quarter remains at the parent company to support growt

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 10, 2022 Universal Insurance Holdings, Inc.

UVE / Universal Insurance Holdings, Inc. / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 9)* Name of issuer: Universal Insurance Holdings Inc. Title of Class of Securities: Common Stock CUSIP Number: 91359V107 Date of Event Which Requires Filing of this Statement: December 31, 2021 Check the appropriate box to designate the rule pursuant to which this Schedu

UVE / Universal Insurance Holdings, Inc. / DIMENSIONAL FUND ADVISORS LP - SEC SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2 )* Universal Insurance Holdings Inc (Name of Issuer) Common Stock (Title of Class of Securities) 91359V107 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 25, 2022 Universal Insurance Holdings, Inc.

, between Frank C. Wilcox and the Company

Exhibit 10.2 EMPLOYMENT AGREEMENT This employment agreement (the ?Agreement?), dated as of January 25, 2022, is between Universal Insurance Holdings, Inc., a Delaware corporation (?Company?), and Frank C. Wilcox (the ?Executive?). WHEREAS, the parties wish to establish the terms of Executive?s employment with the Company. NOW THEREFORE, in consideration of the mutual covenants contained herein and

, between Kimberly Cooper Campos and the Company

EX-10.1 2 coopercampos2022employment.htm EX-10.1 Exhibit 10.1 EMPLOYMENT AGREEMENT This employment agreement (the “Agreement”), dated as of January 25, 2022, is between Universal Insurance Holdings, Inc., a Delaware corporation (“Company”), and Kimberly Cooper Campos (the “Executive”). WHEREAS, the parties wish to establish the terms of Executive’s employment with the Company. NOW THEREFORE, in co

Form of Note Purchase Agreement, dated November 23, 2021

Exhibit 10.1 Universal Insurance Holdings, Inc., as Issuer 5.625% SENIOR UNSECURED NOTES DUE 2026 NOTE PURCHASE AGREEMENT NOVEMBER 23, 2021 November 23, 2021 Purchaser Named on the Signature Page Hereto Ladies and Gentlemen: Pursuant to the terms of this Note Purchase Agreement (this ?Agreement?), Universal Insurance Holdings, Inc. (the ?Issuer?), proposes to issue and sell to the purchaser named

Universal Insurance Holdings Completes Private Placement of $100M of Senior Unsecured Notes due 2026 to Support

Exhibit 99.1 Universal Insurance Holdings Completes Private Placement of $100M of Senior Unsecured Notes due 2026 to Support Growth Fort Lauderdale, Fla., November 23, 2021 ? Universal Insurance Holdings (NYSE: UVE) (the ?Company?) announced today that it has completed an upsized and oversubscribed private placement of $100 million aggregate principal amount of 5.625% senior unsecured notes due 20

Form of Registration Rights Agreement, dated November 23, 2021

Exhibit 10.2 REGISTRATION RIGHTS AGREEMENT THIS REGISTRATION RIGHTS AGREEMENT (the ?Agreement?) is dated as of November 23, 2021, and is made by and among Universal Insurance Holdings, Inc., a Delaware corporation (the ?Company?), and the several purchasers of the Notes (as defined below) identified on the signature pages to the Purchase Agreement (as defined below) (collectively, the ?Purchasers?

Indenture, dated November 23, 2021 by and between the Company and UMB Bank National Association as trustee.

Exhibit 4.1 Universal Insurance Holdings, Inc. As Issuer, and UMB Bank National Association As Trustee INDENTURE Dated as of November 23, 2021 5.625% Senior Unsecured Notes due 2026 TABLE OF CONTENTS ARTICLE I DEFINITIONS AND INCORPORATION BY REFERENCE 1 Section 1.01 Definitions 1 Section 1.02 Compliance Certificates and Opinions 5 Section 1.03 Form of Documents Delivered to Trustee 5 Section 1.04

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 23, 2021 Universal Insurance Holdings, Inc.

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 15, 2021 Universal Insurance Holdings, Inc.

Universal Insurance Holdings Marks More than 10 Consecutive Years Declaring a Fourth Quarter Special Dividend, Today Declaring Regular and Special Cash Dividends Totaling 29 Cents per Share

Exhibit 99.1 Universal Insurance Holdings Marks More than 10 Consecutive Years Declaring a Fourth Quarter Special Dividend, Today Declaring Regular and Special Cash Dividends Totaling 29 Cents per Share Fort Lauderdale, Fla., November 15, 2021 ? Universal Insurance Holdings, Inc. (NYSE: UVE) announced today that its Board of Directors has declared a quarterly regular and special cash dividend, tog

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K/A CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 3, 2021 Universal Insurance Holdings, Inc.

Credit Agreement, dated August 31, 2021, by and between the Company and JPMorgan Chase Bank, N.A.

Exhibit 10.1 EXECUTION VERSION CREDIT AGREEMENT dated as of August 31, 2021 among UNIVERSAL INSURANCE HOLDINGS, INC. The Lenders Party Hereto JPMORGAN CHASE BANK, N.A. as Administrative Agent JPMORGAN CHASE BANK, N.A. as Sole Bookrunner and Sole Lead Arranger |US-DOCS\125017738.8|| TABLE OF CONTENTS Page ARTICLE I Definitions 1 SECTION 1.01 Defined Terms 1 SECTION 1.02 Classification of Loans and

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Numbe

Universal Insurance Holdings Reports Third Quarter 2021 Results

Exhibit 99.1 Universal Insurance Holdings Reports Third Quarter 2021 Results ?3Q21 direct premiums earned up 15.0% driven by primary rate increases earning-in ?3Q21 diluted GAAP earnings per share (?EPS?) of $0.64, non-GAAP adjusted EPS1 of $0.63 ?3Q21 combined ratio of 98.6% ?3Q21 annualized return on average equity of 16.4% ?Florida primary average rate increase of 14.9% for UPCIC approved durin

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 27, 2021 Universal Insurance Holdings, Inc.

Accountants’ Acknowledgment

EXHIBIT 15.1 ACCOUNTANTS? ACKNOWLEDGMENT We hereby acknowledge our awareness of the use of our report dated October 27, 2021, included within the Quarterly Report on Form 10-Q of Universal Insurance Holdings, Inc. for the quarter ended September 30, 2021, in Registration Statement number 333-185484 on Form S-3 and Registration Statement numbers 333-163564, 333-174125, 333-181994, 333-189122, 333-2

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 4, 2021 Universal Insurance Holdings, Inc.

Accountants’ Acknowledgment

EXHIBIT 15.1 ACCOUNTANTS? ACKNOWLEDGMENT We hereby acknowledge our awareness of the use of our report dated July 30, 2021, included within the Quarterly Report on Form 10-Q of Universal Insurance Holdings, Inc. for the quarter ended June 30, 2021, in Registration Statement number 333-185484 on Form S-3 and Registration Statement numbers 333-163564, 333-174125, 333-181994, 333-189122, 333-203866, 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001

($thousands, except per share data) Three Months Ended June 30, Six Months Ended June 30, 2021 2020 Change 2021 2020 Change (GAAP comparison) Total revenue $ 279,181 $ 252,704 10.5 % $ 541,938 $ 487,979 11.1 % Income (loss) before income taxes 30,059

Exhibit 99.1 Universal Insurance Holdings Reports Second Quarter 2021 Results ?2Q21 total revenue up 10.5% to $279.2 million ?2Q21 direct premiums written up 17.0% ?2Q21 diluted GAAP earnings per share (?EPS?) of $0.70, non-GAAP adjusted EPS1 of $0.65 ?2Q21 combined ratio of 97.3% ?2Q21 annualized return on average equity of 18.7% ?Florida primary average rate increase of 14.9% for UPCIC filed dur

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 28, 2021 Universal Insurance Holdings, Inc.

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 19, 2021 Universal Insurance Holdings, Inc.

Universal Insurance Holdings Declares Cash Dividend of 16 Cents per Share

Exhibit 99.1 Universal Insurance Holdings Declares Cash Dividend of 16 Cents per Share Fort Lauderdale, Fla., July 19, 2021 ? Universal Insurance Holdings, Inc. (NYSE: UVE) announced today that its Board of Directors has declared a quarterly cash dividend of 16 cents per share of common stock, payable August 9, 2021, to shareholders of record as of the close of business on August 2, 2021. About Un

Accountants’ Acknowledgement (Plante & Moran, PLLC).

EXHIBIT 15.1 ACCOUNTANTS? ACKNOWLEDGMENT We hereby acknowledge our awareness of the use of our report dated April 30, 2021 included within the Quarterly Report on Form 10-Q of Universal Insurance Holdings, Inc. for the quarter ended March 31, 2021 in this Registration Statement on Form S-8, to be filed with the U.S. Securities and Exchange Commission on or about July 14, 2021. Pursuant to Rule 436

As filed with the Securities and Exchange Commission on July 14, 2021

As filed with the Securities and Exchange Commission on July 14, 2021 Registration No.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 o TRANSITION REPORT PURSUANT TO SECTION 15(

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 OR o TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-33251 A. Full title of the plan and the add

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) June 11, 2021 Universal Insurance Holdings, Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) x Filed by the Registrant ¨ Filed by a Party other than the Registr

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) x Filed by the Registrant ? Filed by a Party other than the Registrant Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Defin

Universal Insurance Holdings, Inc. Insurance Subsidiaries Complete 2021-2022 Reinsurance Programs

Exhibit 99.1 Universal Insurance Holdings, Inc. Insurance Subsidiaries Complete 2021-2022 Reinsurance Programs ?Successfully secured more open market catastrophe capacity than at any point in the history of the Company. ?Total cost of the 2021-2022 reinsurance program for UPCIC and APPCIC projected to be approximately 36.4% of estimated direct earned premium for the 12-month treaty period (in-line

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 28, 2021 Universal Insurance Holdings, Inc.

Accountants’ Acknowledgment

EXHIBIT 15.1 ACCOUNTANTS? ACKNOWLEDGMENT We hereby acknowledge our awareness of the use of our report dated April 30, 2021, included within the Quarterly Report on Form 10-Q of Universal Insurance Holdings, Inc. for the quarter ended March 31, 2021, in Registration Statement number 333-185484 on Form S-3 and Registration Statement numbers 333-163564, 333-174125, 333-181994, 333-189122, 333-203866,

Quarterly Report - 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 00

- DEF 14A

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) ? Filed by the Registrant ? Filed by a Party other than the Registrant Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitte

- DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Defin

($thousands, except per share data) Three Months Ended March 31, 2021 2020 Change (GAAP comparison) Total revenue $ 262,757 $ 235,275 11.7 % Income (loss) before income taxes 36,351 27,584 31.8 % Income (loss) before income taxes margin 13.8 % 11.7 %

Exhibit 99.1 Universal Insurance Holdings Reports First Quarter 2021 Results ?1Q21 total revenue up 11.7% to $262.8 million ?1Q21 direct premiums written up 9.2% ?1Q21 diluted GAAP and non-GAAP1 adjusted earnings per share (?EPS?) of $0.84 ?1Q21 combined ratio of 93.1% ?1Q21 margin expansion in excess of 200 basis points ?1Q21 annualized return on average equity of 23.2% 1 Excludes net realized an

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 28, 2021 Universal Insurance Holdings, Inc.

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 22, 2021 Universal Insurance Holdings, Inc.

Universal Insurance Holdings Declares Cash Dividend of 16 Cents per Share

Exhibit 99.1 Universal Insurance Holdings Declares Cash Dividend of 16 Cents per Share Fort Lauderdale, Fla., April 22, 2021 – Universal Insurance Holdings, Inc. (NYSE: UVE) announced today that its Board of Directors has declared a quarterly cash dividend of 16 cents per share of common stock, payable May 21, 2021, to shareholders of record as of the close of business on May 14, 2021. About Unive

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 25, 2021 Universal Insurance Holdings, Inc.

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 1, 2021 Universal Insurance Holdings, Inc.

Universal Insurance Holdings Declares Cash Dividend of 16 Cents per Share

Exhibit 99.1 Universal Insurance Holdings Declares Cash Dividend of 16 Cents per Share Fort Lauderdale, Fla., March 1, 2021 – Universal Insurance Holdings, Inc. (NYSE: UVE) announced today that its Board of Directors has declared a quarterly cash dividend of 16 cents per share of common stock, payable March 18, 2021, to shareholders of record as of the close of business on March 11, 2021. About Un

List of Subsidiaries

Exhibit 21 LIST OF SUBSIDIARIES 1. Coastal Homeowners Insurance Specialists, Inc. (Florida) 2. Tigerquote.com Insurance Solutions of Ohio, Inc. (Ohio) 3. Tigerquote.com Insurance Solutions of Pennsylvania, Inc. (Pennsylvania) 4. Universal Adjusting Corporation (d/b/a Alder Adjusting)(Florida) 5. Assurance Systems, Inc. (Florida) 6. Universal Inspection Corporation (d/b/a Wicklow Inspection Corpora

Annual Report - 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K (Mark One) ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-33251 UNIVERSAL INSUR

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 25, 2021 Universal Insurance Holdings, Inc.

Universal Insurance Holdings Reports Fourth Quarter 2020 Results

Exhibit 99.1 Universal Insurance Holdings Reports Fourth Quarter 2020 Results ?4Q20 total revenue up 14.1% to $273.1 million; FY20 up 14.2% to $1.1 billion ?More than $1.5 billion of premium now in force ?4Q20 diluted GAAP earnings per share (EPS) of $(0.57), non-GAAP adjusted EPS1 of $(0.84) ?FY20 diluted GAAP EPS of $0.60, non-GAAP adjusted EPS1 of $(0.90) ?Full year EPS impact predominantly dri

SCHEDULE 13G

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1 )* Universal Insurance Holdings Inc (Name of Issuer) Common Stock (Title of Class of Securities) 91359V107 (CUSIP Number) December 31, 2020 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 8)*

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 8)* Name of issuer: Universal Insurance Holdings Inc. Title of Class of Securities: Common Stock CUSIP Number: 91359V107 Date of Event Which Requires Filing of this Statement: December 31, 2020 Check the appropriate box to designate the rule pursuant to which this Schedu

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 November 20, 2020 Date of Report (Date of earliest event reported) Universal Insurance Holdings, Inc.

Universal Insurance Holdings Appoints Matthew J. Palmieri as New President of Universal Property; Jon W. Springer to Retire, Will Remain on Board

Exhibit 99.1 Universal Insurance Holdings Appoints Matthew J. Palmieri as New President of Universal Property; Jon W. Springer to Retire, Will Remain on Board Fort Lauderdale, Fla., November 20, 2020 – Universal Insurance Holdings, Inc. (NYSE: UVE) announced today that Matthew J. Palmieri will take on a new role as President of Universal Property and Casualty Insurance Company (“UPCIC”), a wholly-

Regulation FD Disclosure, Financial Statements and Exhibits - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 November 16, 2020 Date of Report (Date of earliest event reported) Universal Insurance Holdings, Inc.

Universal Insurance Holdings Declares Regular and Special Cash Dividends Totaling 29 Cents per Share

Exhibit 99.1 Universal Insurance Holdings Declares Regular and Special Cash Dividends Totaling 29 Cents per Share Fort Lauderdale, Fla., November 16, 2020 – Universal Insurance Holdings, Inc. (NYSE: UVE) announced today that its Board of Directors has declared a quarterly regular and special cash dividend, together totaling 29 cents per share of common stock, payable December 18, 2020 to sharehold

Universal Insurance Holdings Announces New $20 Million Share Repurchase Authorization

Exhibit 99.1 Universal Insurance Holdings Announces New $20 Million Share Repurchase Authorization Fort Lauderdale, Fla., November 3, 2020 – Universal Insurance Holdings, Inc. announced today that its Board of Directors has authorized a new share repurchase program under which the Company may repurchase up to $20 million of its outstanding shares of common stock through November 3, 2022. Share rep

- 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 November 3, 2020 Date of Report (Date of earliest event reported) Universal Insurance Holdings, Inc.

Quarterly Report - 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Numbe

Accountants’ Acknowledgment

EXHIBIT 15.1 ACCOUNTANTS’ ACKNOWLEDGMENT We hereby acknowledge our awareness of the use of our report dated October 30, 2020, included within the Quarterly Report on Form 10-Q of Universal Insurance Holdings, Inc. for the quarter ended September 30, 2020, in Registration Statement number 333-185484 on Form S-3 and Registration Statement numbers 333-163564, 333-174125, 333-181994, 333-189122, 333-2

($thousands, except per share data) Three Months Ended September 30, Nine Months Ended September 30, 2020 2019 Change 2020 2019 Change (GAAP comparison) Total revenue $ 311,665 $ 229,641 35.7 % $ 799,644 $ 699,949 14.2 % Income (loss) before income t

Exhibit 99.1 Universal Insurance Holdings Reports Third Quarter 2020 Results •3Q20 total revenue up 35.7% to $311.7 million •3Q20 direct premiums written up 19.4% •3Q20 diluted GAAP earnings per share (“EPS”) of $(0.10), non-GAAP adjusted EPS1 of $(1.43) •Book value per share increased 0.1% since the end of 2019 to $15.15 despite elevated industry-wide weather activity •YTD annualized return on av

Financial Statements and Exhibits, Results of Operations and Financial Condition - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 October 27, 2020 Date of Report (Date of earliest event reported) Universal Insurance Holdings, Inc.

Universal Insurance Holdings Appoints Michael J. Poloskey as New COO

Exhibit 99.1 Universal Insurance Holdings Appoints Michael J. Poloskey as New COO Fort Lauderdale, Fla., August 19, 2020 – Universal Insurance Holdings, Inc. (NYSE: UVE) announced today that Michael J. Poloskey will take on a new role as Chief Operating Officer (COO), effective immediately. Mr. Poloskey fills the COO role, which was vacated last summer when Steve Donaghy was named CEO. “This move

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 August 17, 2020 Date of Report (Date of earliest event reported) Universal Insurance Holdings, Inc.

Accountants’ Acknowledgment

EXHIBIT 15.1 ACCOUNTANTS’ ACKNOWLEDGMENT We hereby acknowledge our awareness of the use of our report dated July 31, 2020, included within the Quarterly Report on Form 10-Q of Universal Insurance Holdings, Inc. for the quarter ended June 30, 2020, in Registration Statement number 333-185484 on Form S-3 and Registration Statement numbers 333-163564, 333-174125, 333-181994, 333-189122, 333-203866, 3

Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-33251 UNIVERSAL I

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 July 29, 2020 Date of Report (Date of earliest event reported) Universal Insurance Holdings, Inc.

($thousands, except per share data) Three Months Ended June 30, Six Months Ended June 30, 2020 2019 Change 2020 2019 Change (GAAP comparison) Total revenue $ 252,704 $ 233,722 8.1 % $ 487,979 $ 470,308 3.8 % Income before income taxes 27,438 50,930 (

Exhibit 99.1 Universal Insurance Holdings Reports Second Quarter 2020 Results •2Q20 direct premiums written (“DPW”) up 13.1% to $404.7 million; 1H20 up 14.2% to $739.2 million •2Q20 other states (non-Florida) DPW up 14.5%; 1H20 up 16.5% •2Q20 diluted GAAP earnings per share (“EPS”) of $0.62, non-GAAP adjusted EPS1 of $0.52 •Book value per share increased 8.5% to $16.56 when compared to last quarte

Universal Insurance Holdings Declares Cash Dividend of 16 Cents per Share

Exhibit 99.1 Universal Insurance Holdings Declares Cash Dividend of 16 Cents per Share Fort Lauderdale, Fla., July 6, 2020 – Universal Insurance Holdings, Inc. (NYSE: UVE) announced today that its Board of Directors has declared a quarterly cash dividend of 16 cents per share of common stock, payable August 7, 2020, to shareholders of record as of the close of business on July 31, 2020. About Univ

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 July 6, 2020 Date of Report (Date of earliest event reported) Universal Insurance Holdings, Inc.

- 11-K

11-K 1 uve-11k20191231.htm 11-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2019 OR o TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-33251 A. Fu

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 June 12, 2020 Date of Report (Date of earliest event reported) Universal Insurance Holdings, Inc.

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 May 29, 2020 Date of Report (Date of earliest event reported) Universal Insurance Holdings, Inc.

Universal Insurance Holdings, Inc. Insurance Subsidiaries Complete 2020-2021 Reinsurance Programs

Exhibit 99.1 Universal Insurance Holdings, Inc. Insurance Subsidiaries Complete 2020-2021 Reinsurance Programs •Successfully secured more open market catastrophe capacity than at any point in the history of the Company. •Top level of UPCIC reinsurance tower provides coverage to the 1-in-300 year level.(1) •Total cost of the 2020-2021 reinsurance program for UPCIC and APPCIC projected to be approxi

- S-8

As filed with the Securities and Exchange Commission on May 15, 2020 Registration No.

Accountants’ Acknowledgment

Exhibit 15.1 ACCOUNTANTS’ ACKNOWLEDGMENT We hereby acknowledge our awareness of the use of our report dated May 1, 2020 included within the Quarterly Report on Form 10-Q of Universal Insurance Holdings, Inc. for the quarter ended March 31, 2020 in this Registration Statement on Form S-8, to be filed with the U.S. Securities and Exchange Commission on or about May 15, 2020. Pursuant to Rule 436 und

Agreement, dated May 12, 2020, between Jon W. Springer and the Company (filed as Exhibit 10.1 to the Company’s Current Report on Form 8-K filed on May 14, 2020 and incorporated herein

Exhibit 10.1 EMPLOYMENT AGREEMENT This Employment Agreement (the “Agreement”), dated as of May 12, 2020 (the “Effective Date”) is between Universal Insurance Holdings, Inc., a Delaware corporation (the “Company”), and Jon W. Springer (the “Executive”). WHEREAS, the Company and Executive are parties to an Employment Agreement, dated as of December 17, 2018 (the “Prior Agreement”), pursuant to which

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 May 12, 2020 Date of Report (Date of earliest event reported) Universal Insurance Holdings, Inc.

UVE / Universal Insurance Holdings, Inc. / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 7)* Name of issuer: Universal Insurance Holdings Inc. Title of Class of Securities: Common Stock CUSIP Number: 91359V107 Date of Event Which Requires Filing of this Statement: April 30, 2020 Check the appropriate box to designate the rule pursuant to which this Schedule

Accountants’ Acknowledgment

EXHIBIT 15.1 ACCOUNTANTS’ ACKNOWLEDGMENT We hereby acknowledge our awareness of the use of our report dated May 01, 2020, included within the Quarterly Report on Form 10-Q of Universal Insurance Holdings, Inc. for the quarter ended March 31, 2020, in Registration Statement number 333-185484 on Form S-3 and Registration Statement numbers 333-163564, 333-174125, 333-181994, 333-189122, 333-203866, a

Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-33251 UNIVERSAL

- DEF 14A

DEF 14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 ☒ Filed by the Registrant ☐ Filed by a Party other than the Registrant Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Definitive Pro

- DEFA14A

DEFA14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 ☒ Filed by the Registrant ☐ Filed by a Party other than the Registrant Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Definitive Pro