Universal Insurance Holdings, Inc.
A vertically integrated residential property insurer concentrated in Florida, one of America's largest homeowners markets, it sells policies through roughly 9,500 independent agents and directly to consumers through its own Clovered digital agency. Behind the scenes it keeps much of the work in-house, handling claims adjusting (Alder), reinsurance brokering (BARC), and managing general agent duties (ERA) across its two primary insurance arms, UPCIC and APPCIC.
Estimated from filings — the split-adjusted price range over the quarters each manager built the position. A range, not a fill price; 13F reports a quarter-end snapshot, not a trade date.