Universal Insurance subsidiaries complete 2026-2027 reinsurance program with $2.623B tower, $45M retention

UNIVERSAL INSURANCE HOLDINGS, INC.

Combined first-event tower increased ~$50M to $2.623 billion; first-event statutory retention unchanged at $45M.
Secured $352M multi-year catastrophe capacity extending through 2027-2028; $277M sits below FHCF layer.
Largest private reinsurers maintain AM Best rating of A or higher (Nephila/Markel, RenaissanceRe, Munich Re, etc.).
Florida represents less than 50% of total insured value as of March 31, 2026.
Market moderating after benign 2025 Atlantic hurricane season and Florida property insurance reforms.

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