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 September 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:  November 10, 2008       By:  /s/ Bradley I. Meier
                                    ------------------------------------
                                    Name: Bradley I. Meier
                                    Title: President and Chief Executive Officer



Date:  November 10, 2008       By:  /s/ James M. Lynch
                                    ------------------------------------
                                    Name: James M. Lynch
                                          Title: Chief Financial Officer