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  <element name="SurplusNoteMember" id="uve_SurplusNoteMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="TermLoanMember" id="uve_TermLoanMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="UniversalPropertyAndCasualtyInsuranceCompanyMember" id="uve_UniversalPropertyAndCasualtyInsuranceCompanyMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
</schema>
