SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies) - EBP 001 |
12 Months Ended |
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Dec. 31, 2025 | |
| EBP, Accounting Standard Update and Change in Accounting Principle [Line Items] | |
| Basis of Accounting | Basis of Accounting - The accompanying financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”). The financial statements of the Plan have been prepared under the accrual basis of accounting.
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| Investment Valuation and Income Recognition | Investment Valuation and Income Recognition - The Plan’s investments are reported at fair value. Mutual funds are valued using quoted market prices. The Universal Insurance Holdings Common Stock Fund (“Common Stock Fund”) is maintained on a unitized basis, meaning participants own units of the fund rather than specific shares of UVE Common Stock. Each unit represents a proportionate interest in the fund’s underlying UVE Common Stock and uninvested cash. Its value equals the year-end market value of UVE Common Stock plus any uninvested cash held in the Common Stock Fund. At December 31, 2025, the Common Stock Fund held 90,744 shares of UVE Common Stock with an aggregate value of $3,066,901, and uninvested cash of $70,089. At December 31, 2024, the Common Stock Fund held 86,910 shares of UVE Common Stock with an aggregate value of $1,830,325, and uninvested cash of $42,046. The Plan also permits participants to invest through self-directed brokerage accounts. These accounts include various publicly traded securities, which are valued using quoted market prices. See Note 3 for additional information. Purchases and sales of securities are recognized on a trade-date basis. Interest income is recognized on an accrual basis, and dividends are recognized on the ex-dividend date.
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| Notes Receivable from Participants | Notes Receivable from Participants - Participant notes receivable are recorded at the unpaid principal balance plus any accrued interest. Delinquent loans are reclassified as distributions in accordance with the terms of the plan agreement.
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| Benefit Payments | Benefit Payments - Benefits are recorded when paid.
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| Use of Estimates | Use of Estimates - The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates.
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| Risks and Uncertainties | Risks and Uncertainties - The Plan invests in various investment securities, including mutual funds, the Universal Insurance Holdings Common Stock Fund, and self-directed brokerage accounts holding corporate common stock, exchange-traded funds, money market funds, and interest-bearing cash. These investments are exposed to various risks, including interest rate risk, market risk, and credit risk. The Plan's investments may also be adversely affected by macroeconomic events, including but not limited to recessions, inflationary pressures, changes in monetary policy, geopolitical conflicts, and other broad economic disruptions that could negatively impact financial markets and the value of Plan assets. Due to the level of risk associated with certain investment securities, it is at least reasonably possible that changes in the values of investment securities will occur in the near term and that such changes could materially affect participants' account balances and the amounts reported in the Statements of Net Assets Available for Benefits. The Plan also permits participants to invest in the Universal Insurance Holdings Common Stock Fund, which holds shares of UVE common stock. Additionally, participants who utilize self-directed brokerage accounts may hold concentrated positions in individual securities, including UVE common stock. These concentrations may expose them to heightened levels of market risk beyond that of diversified investment options.
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| Administrative Expenses | Administrative Expenses - Certain administrative costs are paid by the Company, if any, which qualify as party-in-interest transactions.
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