Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

                     Pursuant to Section 13 or 15 (d) of the
                         Securities Exchange Act of 1934

                                  July 13, 2007
                Date of report (Date of earliest event reported)

                       Universal Insurance Holdings, Inc.
             (Exact name of registrant as specified in its charter)

          Delaware                        000-20848               65-0231984
     ------------------            ------------------------  -------------------
(State or other jurisdiction       (Commission file number)     (IRS Employer
of incorporation or organization)                            Identification No.)

       1110 W. Commercial Blvd. Suite 100, Fort Lauderdale, Florida 33309
                    (Address of Principal Executive Offices)

Registrant's telephone number, including area code:    (954) 958-1200

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

[ ]  Written communication pursuant to Rule 425 under the Securities Act (17
     CFR 230.425).
[ ]  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17
     CFR 240.14a-12).
[ ]  Pre-commencement communications pursuant to Rule 14d-2(b) under the
     Exchange Act (17 CFR 240.14d-2(b)).
[ ]  Pre-commencement communications pursuant to Rule 13e-4(c) under the
     Exchange Act (17 CFR 240.13e-4(c)).

ITEM 8.01       Other Events.

On July 13, 2007, Universal Insurance Holdings, Inc. (the "Company") announced
that its board of directors approved a dividend on the Company's Common Stock.
The announcement, a copy of which is furnished as Exhibit 99.1 to this report,
is incorporated herein by reference.

ITEM 9.01       Financial Statements and Exhibits
(c) Exhibits:

99.1    Press Release, dated July 13, 2007.


      Pursuant to the requirements of the Securities Act of 1934, the
Registrant has duly caused this report to be signed on its behalf by the
undersigned, thereunto duly authorized.

Date:  July 13, 2007                     UNIVERSAL INSURANCE HOLDINGS, INC.

                                         By:    /s/ Bradley I. Meier
                                                Bradley I. Meier
                                                President and Chief Executive