 Universal Insurance Holdings Inc. UVE , Financial is a holding company offering property and casualty insurance and value-added insurance services in the U.S. The company develops, markets and writes insurance products for consumers predominantly in the personal residential homeowners lines of business, such as homeowners insurance, renters insurance and condo unit owners insurance. It sells insurance products through both appointed independent agents and through direct online distribution channels in the U.S. across 19 states, primarily Florida, which represents about 80 of the companys premiums. 