8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15 (d) of the Securities Exchange Act of 1934
October 18, 2010
Date of report (Date of earliest event reported)
Universal Insurance Holdings, Inc. (Exact name of registrant as specified in its charter)
Delaware (State or other jurisdiction of incorporation or organization)	001-33251 (Commission file number)	65-0231984        (IRS Employer Identification No.)
1110 W. Commercial Blvd. Suite 100, Fort Lauderdale, Florida 33309 (Address of Principal Executive Offices)
Registrant’s telephone number, including area code:          (954) 958-1200                                                                                          0;

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

oWritten communication pursuant to Rule 425 under the Securities Act (17 CFR 230.425).

o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12).

oPre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)).

o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)).

ITEM 8.01Other Events.

On October 18, 2010, Universal Insurance Holdings, Inc. (“Company”) issued a press release announcing that its subsidiary, Universal Property & Casualty Insurance Company (“UPCIC”), received approval from the Massachusetts Division of Insurance to write property and casualty insurance in the Commonwealth of Massachusetts.  The Company also announced that UPCIC withdrew its application to provide property and casualty insurance in the Commonwealth of Virginia.  The announcement, a copy of which is attached hereto as Exhibit 99.1 to this report, is incorporated herein by reference.

ITEM 9.01                        Financial Statements and Exhibits

(d) Exhibits:

99.1           Press Release, dated October 18, 2010.

SIGNATURES

Pursuant to the requirements of the Securities Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

Date: October 18, 2010                                                                          UNIVERSAL INSURANCE HOLDINGS, INC.

/s/ George R. De Heer

  George R. De Heer

  Chief Financial Officer

EX-99.1

UNIVERSAL INSURANCE HOLDINGS, INC. ANNOUNCES

UPDATE ON UPCIC’S EXPANSION PLANS

Fort Lauderdale, FL, October 18, 2010 - Universal Insurance Holdings, Inc. (“Company”) (NYSE AMEX:  UVE) announced that its subsidiary Universal Property & Casualty Insurance Company (UPCIC) received approval from the Massachusetts Division of Insurance to write property and casualty insurance in the Commonwealth of Massachusetts.  UPCIC anticipates writing new business in Massachusetts following approval of its rates and forms by the Massachusetts Division of Insurance.

The Company also announced that UPCIC withdrew its application to provide property and casualty insurance in the Commonwealth of Virginia.  UPCIC may in the future reapply to the Commonwealth of Virginia to provide property and casualty insurance.

About Universal Insurance Holdings, Inc.

Universal Insurance Holdings, Inc. is a vertically integrated insurance holding company, which through its subsidiaries, covers substantially all aspects of insurance underwriting, distribution, claims processing and exposure management. Universal Property & Casualty Insurance Company (UPCIC), a wholly owned subsidiary of the Company, is one of the five leading writers of homeowners’ insurance in Florida and is now fully licensed and has commenced its operations in Hawaii, North Carolina and South Carolina. For additional information on the Company, please visit our investor relations website at www.universalinsuranceholdings.com.

Forward-Looking Statements and Risk Factors

This press release may contain "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. The words “believe,” “expect,” “anticipate,” and similar expressions identify forward-looking statements, which speak only as of the date the statement was made. Such statements may include commentary on plans, products and lines of business, marketing arrangements, reinsurance programs and other business developments and assumptions relating to the foregoing.  Forward-looking statements are inherently subject to risks and uncertainties, some of which cannot be predicted or quantified. Future results could differ materially from those described and the Company undertakes no obligation to correct or update any forward-looking statements.  For further inf ormation regarding risk factors that could affect the Company’s operations and future results, refer to the Company's reports filed with the Securities and Exchange Commission, including the Form 10-K for the year ended December 31, 2009, the Form 10-Q/A for the quarter ended March 31, 2010 and the Form 10-Q for the quarter ended June 30, 2010. 

Investor Contact:

Philip Kranz, Dresner Corporate Services, 312-780-7240, pkranz@dresnerco.com.