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-Q  for  the  fiscal quarter ended June 30, 2008 as
filed with the Securities and Exchange Commission on the date hereof ("Report"),
the undersigned, in the capacity and on the  date  indicated  below, each hereby
certify 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 8, 2008                By:     /s/ Bradley I. Meier
                                             --------------------------------
                                     Name:   Bradley I. Meier
                                     Title:  President and Chief Executive
Officer



Date:  August 8, 2008                By:     /s/ James M. Lynch
                                             -----------------------
                                     Name:   James M. Lynch
                                     Title:  Chief Financial Officer