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, 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:  November 14, 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:  November 14, 2007          By:    /s/ James M. Lynch
                                         ---------------------------------------
                                  Name:  James M. Lynch
                                  Title: Chief Financial Officer