---
schema_version: "secwatch.filing_event.v1"
accession: "0000891166-24-000030"
form_type: "8-K"
ticker: "UVE"
cik: "0000891166"
company_name: "UNIVERSAL INSURANCE HOLDINGS, INC."
filed_at: "2024-05-30T23:59:59+00:00"
generated_at: "2026-06-01T07:33:20.077195+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Universal Insurance completes 2024-2025 reinsurance program; cost rises to 33% of premium

## Summary
- Combined first event retention unchanged at $45M; total tower of $2.404B for single All States event.
- Total reinsurance cost projected at ~33% of direct earned premium, up from 31.8% last year.
- Replaced $217M of cost-free RAP coverage and $150M expiring cat bond with traditional market capacity.
- Secured $240M of multi-year capacity extending to 2025-2026, including $165M below FHCF layer.
- Largest private reinsurers rated A or higher; key partners include Nephila, Markel, RenaissanceRe, Munich Re.

## SEC filing metadata
- accession: 0000891166-24-000030
- form_type: 8-K
- ticker: UVE
- cik: 0000891166
- company_name: UNIVERSAL INSURANCE HOLDINGS, INC.
- filed_at: 2024-05-30T23:59:59+00:00
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/891166/000089116624000030/0000891166-24-000030-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/891166/000089116624000030/uve-20240530.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000891166-24-000030
- JSON: https://secwatch.observer/filing/0000891166-24-000030.json
- Plain text: https://secwatch.observer/filing/0000891166-24-000030.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.