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 June 30, 2007 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:  August 13, 2007          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:  August 13, 2007          By: /s/ James M. Lynch
                                ------------------------------------
                                Name:  James M. Lynch
                                Title: Chief Financial Officer