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        <link:definition>0202 - Disclosure - Significant Accounting Policies</link:definition>
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        <link:definition>0204 - Disclosure - Reinsurance</link:definition>
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        <link:definition>0205 - Disclosure - Insurance Operations</link:definition>
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        <link:definition>0208 - Disclosure - Related Party Transactions</link:definition>
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        <link:definition>0209 - Disclosure - Income Taxes</link:definition>
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        <link:definition>0210 - Disclosure - Earnings Per Share</link:definition>
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      <link:roleType roleURI="http://universalinsuranceholdings.com/role/FairValueMeasurements" id="FairValueMeasurements">
        <link:definition>0212 - Disclosure - Fair Value Measurements</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://universalinsuranceholdings.com/role/SubsequentEvents" id="SubsequentEvents">
        <link:definition>0213 - Disclosure - Subsequent Events</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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  <element id="uve_WindCoverageFloridaMember" name="WindCoverageFloridaMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="uve_FloridaMember" name="FloridaMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="uve_PercentageOfPoliciesInForce" name="PercentageOfPoliciesInForce" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <element id="uve_CompositionOfInsuranceEntitiesAggregatePoliciesInForceTableTextBlock" name="CompositionOfInsuranceEntitiesAggregatePoliciesInForceTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="uve_ScheduleOfAssetsHeldByInsuranceRegulatorsTableTextBlock" name="ScheduleOfAssetsHeldByInsuranceRegulatorsTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="uve_DeferredPolicyAcquisitionCostsAndDeferredReinsuranceCedingCommissionsGross" name="DeferredPolicyAcquisitionCostsAndDeferredReinsuranceCedingCommissionsGross" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="uve_DeferredPolicyAcquisitionCostsAndDeferredReinsuranceCedingCommissionsCapitalizedCostsGross" name="DeferredPolicyAcquisitionCostsAndDeferredReinsuranceCedingCommissionsCapitalizedCostsGross" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="uve_DeferredPolicyAcquisitionCostsAndDeferredReinsuranceCedingCommissionsAmortizationExpenseGross" name="DeferredPolicyAcquisitionCostsAndDeferredReinsuranceCedingCommissionsAmortizationExpenseGross" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="uve_WriteOffOfReinsuranceReceivable" name="WriteOffOfReinsuranceReceivable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="uve_DividendIncomeFromSubsidiary" name="DividendIncomeFromSubsidiary" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="uve_FairValueMeasurementsTextualAbstract" name="FairValueMeasurementsTextualAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="uve_SubsequentEventsTextualAbstract" name="SubsequentEventsTextualAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="uve_NumberOfPoliciesInForceWithWindCoverage" name="NumberOfPoliciesInForceWithWindCoverage" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <element id="uve_CededPremiumRecoverableFromPredecessorQuotaShareReinsurerInDispute" name="CededPremiumRecoverableFromPredecessorQuotaShareReinsurerInDispute" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="uve_AfterTaxEffectOfWriteOffOfReinsuranceReceivablePerDilutedShare" name="AfterTaxEffectOfWriteOffOfReinsuranceReceivablePerDilutedShare" type="num:perShareItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
</schema>
