Universal Property & Casualty Insurance Company (UPCIC) and American Platinum Property and Casualty Insurance Company (APPCIC), the wholly-owned subsidiaries of Universal Insurance Holdings Inc., have completed their 2025-2026 reinsurance program. The program, effective June 1, 2025, features a combined catastrophe reinsurance strategy with no significant changes to historical partners or terms. Notably, $352 million in multi-year coverage has been added, extending through the 2026-2027 period, with most coverage below the Florida Hurricane Catastrophe Fund's attachment point. The subsidiaries have increased their reinsurance tower for a single event to $2.526 billion, up by $110 million from the previous period. With Florida representing less than 50% of the company's total insured values exposed to the 2025 Atlantic hurricane season, the first event retention remains steady at $45 million.