[Form 4] UNIVERSAL INSURANCE HOLDINGS, INC. Insider Trading Activity

Rhea-AI Filing Summary

Universal Insurance Holdings, Inc. Executive Chairman and Director Sean P. Downes reported selling 20,000 shares of common stock on 12/19/2025 at a weighted average price of $33.8158 per share. The shares were sold in multiple transactions at prices ranging from $33.46 to $34.43.

After this sale, Downes beneficially owns 1,243,512 shares directly, plus 2,000 shares held indirectly by his spouse and 18,000 shares held indirectly by his children.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

DOWNES SEAN P

(Last) (First) (Middle)

1110 WEST COMMERCIAL BOULEVARD

SUITE 100

(Street)

FORT LAUDERDALE FL 33309

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
UNIVERSAL INSURANCE HOLDINGS, INC. [ UVE ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Executive Chairman

3. Date of Earliest Transaction (Month/Day/Year)
12/19/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	12/19/2025		S		20,000	D	$33.8158(1)	1,243,512	D
Common Stock								2,000	I	By Spouse
Common Stock								18,000	I	By Children

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $33.46 to $34.43, inclusive. The reporting person undertakes to provide to Universal Insurance Holdings, Inc., any security holder of Universal Insurance Holdings Inc., or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the range set forth in footnote (1).

Remarks:

	/s/ Sean P. Downes	12/19/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did Universal Insurance Holdings (UVE) report?

Executive Chairman and Director Sean P. Downes reported selling 20,000 shares of Universal Insurance Holdings, Inc. common stock on 12/19/2025.

At what price were the UVE shares sold in this Form 4 filing?

The shares were sold at a weighted average price of $33.8158 per share, in multiple transactions at prices ranging from $33.46 to $34.43, inclusive.

How many Universal Insurance Holdings (UVE) shares does Sean P. Downes own after the sale?

Following the reported transaction, Sean P. Downes beneficially owns 1,243,512 shares of UVE common stock directly, plus 2,000 shares held indirectly by his spouse and 18,000 shares held indirectly by his children.

What is Sean P. Downes’s role at Universal Insurance Holdings (UVE)?

Sean P. Downes is listed as a Director and Officer of Universal Insurance Holdings, Inc., with the title Executive Chairman.

Does the Form 4 explain the pricing of the UVE share sale?

Yes. It notes that the reported price is a weighted average and that the shares were sold in multiple transactions at prices between $33.46 and $34.43. It also states that full pricing details for each trade will be provided upon request.

Are there any derivative securities transactions reported for UVE in this Form 4?

The table for derivative securities is included, but it does not list any specific derivative security transactions in the provided content.