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  <xs:element id="uve_FloridaHurricaneCatastropheFundMember" abstract="true" name="FloridaHurricaneCatastropheFundMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uve_MarkelBermudaLtdMember" abstract="true" name="MarkelBermudaLtdMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uve_EverestReinsuranceCoMember" abstract="true" name="EverestReinsuranceCoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uve_RenaissanceReinsuranceLtdMember" abstract="true" name="RenaissanceReinsuranceLtdMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uve_DaVinciReinsuranceLtdMember" abstract="true" name="DaVinciReinsuranceLtdMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uve_ReinsuranceUnsecuredAmountsDueFromReinsurers" abstract="false" name="ReinsuranceUnsecuredAmountsDueFromReinsurers" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="uve_DeferredPolicyAcquisitionCostsDPACRollForward" abstract="true" name="DeferredPolicyAcquisitionCostsDPACRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="uve_UniversalPropertyAndCasualtyInsuranceCompanyMember" abstract="true" name="UniversalPropertyAndCasualtyInsuranceCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uve_AmericanPlatinumPropertyAndCasualtyInsuranceCompanyMember" abstract="true" name="AmericanPlatinumPropertyAndCasualtyInsuranceCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uve_AmericanPlatinumPropertyAndCasualtyInsuranceCompanyAndUniversalPropertyAndCasualtyInsuranceCompanyMember" abstract="true" name="AmericanPlatinumPropertyAndCasualtyInsuranceCompanyAndUniversalPropertyAndCasualtyInsuranceCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uve_MinimumCapitalizationRate" abstract="false" name="MinimumCapitalizationRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="uve_StatutoryAccountingPracticesTenPercentOfStatutoryLiabilitiesBalance" abstract="false" name="StatutoryAccountingPracticesTenPercentOfStatutoryLiabilitiesBalance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="uve_RestrictedCashAndCashEquivalentsMember" abstract="true" name="RestrictedCashAndCashEquivalentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uve_IncurredRelatedToAbstract" abstract="true" name="IncurredRelatedToAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="uve_PaidRelatedToAbstract" abstract="true" name="PaidRelatedToAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="uve_IncreasesInNetLossesAndLAEMember" abstract="true" name="IncreasesInNetLossesAndLAEMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uve_SurplusNoteMember" abstract="true" name="SurplusNoteMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uve_A5625SeniorUnsecuredNotesDue2026Member" abstract="true" name="A5625SeniorUnsecuredNotesDue2026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uve_A7.75SeniorUnsecuredNotesDue2031Member" abstract="true" name="A7.75SeniorUnsecuredNotesDue2031Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uve_A2026RevolvingLoanCreditFacilityMember" abstract="true" name="A2026RevolvingLoanCreditFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uve_A2025RevolvingLoanCreditFacilityMember" abstract="true" name="A2025RevolvingLoanCreditFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uve_ScheduleOfEquityTable" abstract="true" name="ScheduleOfEquityTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="uve_JanuaryTwoThousandTwentySixShareRepurchaseProgramMember" abstract="true" name="JanuaryTwoThousandTwentySixShareRepurchaseProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uve_MayTwoThousandTwentyFiveShareRepurchaseProgramOneMember" abstract="true" name="MayTwoThousandTwentyFiveShareRepurchaseProgramOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uve_MayTwoThousandTwentyFiveShareRepurchaseProgramTwoMember" abstract="true" name="MayTwoThousandTwentyFiveShareRepurchaseProgramTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uve_MarchTwoThousandTwentyFourShareRepurchaseProgramMember" abstract="true" name="MarchTwoThousandTwentyFourShareRepurchaseProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uve_EquityLineItems" abstract="true" name="EquityLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="uve_SeniorUnsecuredFixedRateNotesMember" abstract="true" name="SeniorUnsecuredFixedRateNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
