Universal Insurance Holdings (UVE) announced that the State of Alabama Department of Insurance has approved the homeowners insurance rates and forms of its wholly-owned subsidiary, Universal Property & Casualty Insurance Company (UPCIC), and that UPCIC has subsequently written its first homeowners insurance policy in Alabama.

The Company also announced the official launch of Universal Direct®, Universal Insurance’s Direct-to-Consumer online platform for UPCIC products, in Alabama.

Alabama marks the thirteenth state of operation for Universal Insurance and the third state, including Pennsylvania and Minnesota, to offer customers access to UPCIC homeowners insurance policies through Universal Direct®.

Independent appointed agents operating in Alabama have the opportunity to receive commissions from policies written by UPCIC via Universal Direct®.

Sean P. Downes, the Company’s Chairman and Chief Executive Officer, stated, "We are pleased to begin offering our homeowners insurance products to customers in Alabama, whether they choose to purchase policies through an independent agent or via our easy-to-use online platform.

"We look forward to building our network of independent agents in Alabama and growing our direct-to-consumer platform in the state."

UPCIC is one of the leading writers of homeowners insurance nationally and is licensed to offer its homeowners insurance products in Florida, North Carolina, South Carolina, Hawaii, Georgia, Massachusetts, Maryland, Delaware, Indiana, Pennsylvania, Michigan, Minnesota, Virginia, Alabama, West Virginia, New Hampshire, New Jersey and New York.