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Universal Insurance Holdings completed the 2026-2027 catastrophe reinsurance program for its subsidiaries UPCIC and APPCIC, effective June 1, 2026. The combined All States first-event reinsurance tower extends to $2.623 billion above a first-event retention of $45 million, with no co-participation in any layer.
The program includes full reinstatement on $1.098 billion of non-FHCF catastrophe cover for a guaranteed second event and an estimated FHCF mandatory layer of about $1.390 billion for UPCIC and $25 million for APPCIC. The companies also added $352 million of multi-year catastrophe capacity extending into the 2027-2028 treaty period, and state that the largest private reinsurers involved are rated ‘A’ or higher by AM Best.
UNIVERSAL INSURANCE HOLDINGS, INC. Executive Chairman Sean P. Downes reported open-market sales of 20,000 shares of common stock on May 15, 2026. The shares were sold in two tranches at weighted average prices of $38.7136 and $39.4024, with individual trades executed within disclosed price ranges around those levels. After these sales, he continues to hold more than one million shares directly, along with indirect holdings of 2,000 shares through his spouse and 48,000 shares held for his children.
UVE reports Rule 144 notices for sales of common stock. Sean Downes reported two sales: 20,000 shares on 03/25/2026 for $691,066.05 and 20,000 shares on 04/29/2026 for $792,743.69. The filing also lists 20,000 shares to be sold on 05/05/2026 as in lieu compensation via the issuer.
Universal Insurance Holdings director Michael Pietrangelo reported selling 7,500 shares of Common Stock in open-market transactions. He sold 3,000 shares on May 12, 2026 at a weighted average price of about $39.55 per share and 4,500 shares on May 13, 2026 at about $39.29 per share. After these sales, he directly holds 81,293 shares of the company’s stock. The prices reported are weighted averages for multiple trades within narrow intraday price ranges on each date.
Universal Insurance Holdings Executive Chairman Sean P. Downes reported open-market sales of a total of 20,000 shares of common stock on April 29, 2026. The shares were sold in three blocks: 11,919 shares at a weighted average price of $39.2466, 5,837 shares at $40.0817, and 2,244 shares at $41.0107, with each block executed across multiple trades within stated price ranges.
After these transactions, Downes directly holds between about 1.19 million shares of Universal Insurance common stock, according to the post-transaction balances reported for each trade. He also reports indirect ownership of 48,000 shares held by his children and 2,000 shares held by his spouse.
Universal Insurance Holdings reported stronger quarterly results, with higher earnings despite flat revenue. Net income rose to $54.3 million from $41.4 million a year earlier, as lower losses and expenses offset modestly lower total revenues of $393.6 million versus $394.9 million. Basic earnings per common share increased to $1.96 from $1.48, and diluted EPS rose to $1.88 from $1.44. Net premiums earned were stable at $356.9 million, while losses and loss adjustment expenses declined to $228.1 million from $250.6 million, improving underwriting results. Operating cash flow remained strong at $154.8 million, and stockholders’ equity increased to $584.7 million, supported by retained earnings, partly offset by an other comprehensive loss tied to investment valuations.
Sean P. Downes reported dispositions of Common stock tied to in-lieu compensation. The filing lists a sale of 20,000 shares on 04/02/2026 described as Lieu Compensation with Raymond James & Associates as broker. The form also records 20,000 shares sold on 03/25/2026 for $691,066.05. The filing names the issuer as UVE and identifies the market as NYSE.
Universal Insurance Holdings will hold its 2026 annual meeting on June 11, 2026, at 9:00 a.m. Eastern in Boca Raton, Florida. Shareholders will vote on electing 12 directors, approving executive pay on an advisory basis, and ratifying Plante & Moran as auditor for 2026.
The Board highlights strong governance, with nine independent directors, a lead independent director, fully independent key committees, stock ownership guidelines and a compensation clawback and anti-hedging policy. Executive pay is heavily performance-based, using net operating ratio, premium growth and long-term equity awards. A one-time 300,000‑share retention grant was awarded to the Executive Chairman in 2025, vesting through 2029, to secure his continued leadership in the company’s complex, vertically integrated Florida homeowners platform.