EXHIBIT 32


                CERTIFICATIONS PURSUANT TO 18 U.S.C. SECTION 1350
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

      In connection with the Quarterly Report of Universal  Insurance  Holdings,
Inc. ("Company") on Form 10-QSB for the period ended June 30, 2004 as filed with
the  Securities  and  Exchange  Commission  on the date hereof  ("Report"),  the
undersigned,  in the capacity and on the date indicated below,  hereby certifies
pursuant to 18 U.S.C.  Section 1350,  as adopted  pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, that to his knowledge:

      1. The Report fully  complies  with the  requirements  of Section 13(a) or
15(d) of the Securities Exchange Act of 1934; and

      2.  The  information  contained  in the  Report  fairly  presents,  in all
material  respects,  the  financial  condition  and results of operations of the
Company.


Date:  August 16, 2004              By:    /s/ Bradley I. Meier
                                           ------------------------
                                    Name:  Bradley I. Meier
                                    Title: President and Chief Executive Officer

      In connection with the Report, the undersigned, in the capacity and on the
date indicated below,  hereby certifies  pursuant to 18 U.S.C.  Section 1350, as
adopted pursuant to Section 906 of the  Sarbanes-Oxley  Act of 2002, that to his
knowledge:

      1. The Report fully  complies  with the  requirements  of Section 13(a) or
15(d) of the Securities Exchange Act of 1934; and

      2.  The  information  contained  in the  Report  fairly  presents,  in all
material  respects,  the  financial  condition  and results of operations of the
Company.


Date:  August 16, 2004              By:    /s/ James M. Lynch
                                           -------------------------
                                    Name:  James M. Lynch
                                    Title: Chief Financial Officer