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 quarter  ended  September  30, 2005 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  operation of the
Company.


Date:  November 14, 2005            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  operation of the
Company.


Date:  November 14, 2005            By:    /s/ James M. Lynch
                                           ------------------------
                                    Name:  James M. Lynch
                                    Title: Chief Financial Officer