Item 8.01. Other Events.

United Insurance Holdings Corp. ("UPC Insurance" or the "Company") successfully renewed its all other perils catastrophe excess of loss agreement (the "AOP CAT" agreement) and its personal property excess per risk agreement (the "Personal Lines XPR" agreement). These agreements provide coverage for in-force, new and renewal business.

Effective January 1, 2021, UPC Insurance, through its wholly owned insurance subsidiaries American Coastal Insurance Company, United Property and Casualty Insurance Company, and Family Security Insurance Company, Inc., renewed the AOP CAT agreement with private reinsurers all rated A- or better by A.M. Best. The agreement provides protection in excess of $15 million from all catastrophe loss events other than named windstorms and earthquakes up to $110 million. Additionally, we increased our aggregate protection provided under this agreement by adding a reinstatement to the first $45 million of limit provided by the program.

Effective January 1, 2021, UPC Insurance, through its wholly owned insurance subsidiaries United Property and Casualty Insurance Company, Family Security Insurance Company, Inc., and Interboro Insurance Company, renewed the Personal Lines XPR agreement with a private reinsurer. The agreement provides $2.5 million of limit excess of $1.5 million to limit the Company's personal property exposure to non-catastrophe losses from any one claim. The reinsurer's maximum liability for all losses during the treaty period is $7.5 million.

This Item 8.01 may contain forward-looking statements about our reinsurance program and related attachment point, total coverage and costs. These statements are subject to the Private Securities Litigation Reform Act of 1995 and are based on management's estimates, assumptions and projections. These forward-looking statements can generally be identified as such because the context of the statement includes words such as estimate, expect or words of similar nature. The actual changes to our reinsurance program and related attachment point, total coverage and costs may differ materially from those discussed in this report, depending on our reinsurers' capacity to pay claims and related adjustment provisions in our agreements with the private reinsurers.

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