Key Takeaways Universal Insurance saw Florida share fall to 72.6% of premiums as other states grew to 27.4%.UVE uses underwriting discipline, rate actions, and market exits to align growth with profitability.Rising insurer competition in Florida may push more growth to non-Florida markets despite core reliance.Universal Insurance Holdings (UVE) is a Florida-heavy homeowners insurance writer, but its growth story is starting to look more balanced. Florida remained the company’s largest market in 2025, yet it ...