Company Overview

NYSE AMEX: UVE
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Universal Insurance Holdings, Inc. (UIH) is a vertically integrated insurance holding company, which through its various subsidiaries, covers substantially all aspects of insurance underwriting, distribution, claims processing and exposure management. Universal Property & Casualty Insurance Company (UPCIC), a wholly owned subsidiary of UIH, is one of the five leading writers of homeowners' insurance in Florida and is now fully licensed and has commenced its operations in Georgia, Hawaii, North Carolina and South Carolina.

UPCIC has established strong relationships with a network of approximately 2,800 independent agents by emphasizing personal interaction, offering superior services and maintaining an exclusive focus on homeowners insurance. The Company’s underwriters work closely with independent agents to market and underwrite business. With competitively priced products, convenient installment billing plans and proactive claims management, UPCIC provides its customers with superior service.

UPCIC's portfolio as of September 30, 2009 includes approximately 536,000 policies.

Diverse coverage options offered by UPCIC include the following:

Homeowners policy
Designed for owner occupied dwellings

Renter’s policy
Designed to cover contents in a rented dwelling

Condominium policy
Designed to provide coverage for owner occupied or tenant occupied condominiums

Dwelling fire policy
Designed to protect landlord’s dwelling

Dwelling coverage
Designed to protect against covered perils

Other structures coverage
Desinged to cover unattached structures on covered property

Personal property coverage
Designed to provide worldwide coverage for personal contents

Personal liability coverage
Designed to provide legal protection for claims from accidents to others