Q4-2021 Earnings Report

Summary of Business In-force Reductions in personal lines exposures has moved UIHC closer to its 50/50 target. TIV ($000,000) Policies Premium ($000) 2020 Premium Mix 1 FL 12.31.20 247,287 12.31.21 Change 198,838 -19.6% 12.31.20 $ 2 SC 45,655 3 MA 29,973 4 RI 16,586 33,748 -26.1% $ 24,992 -16.6% $ -100.0% $ 5 NC 36,178 19,306 -46.6% $ 12.31.21 Change 477,533 $ 437,211 -8.4% 60,773 $ 50,589 52,746 $ 47,328 28,095 $ 47,092 $ 12.31.20 -16.8% $ -10.3% $ -100.0% $ 32,464 -31.1% $ 12.31.21 Change 109,824 $ 89,605 -18.4% 20,648 $ 16,299 -21.1% 23,816 $ 20,520 -13.8% 25.1% 10,149 $ -100.0% 17,365 $ 10,036 -42.2% 74.9% 6 NJ 37,098 30,867 -16.8% $ 38,071 $ 32,294 -15.2% 19,193 $ 16,523 -13.9% 7 TX 91,908 67,755 -26.3% $ 153,026 $ 130,754 -14.6% 37,840 $ 29,915 -20.9% 8 LA 50,114 41,956 -16.3% $ 9 GA 11,735 4,708 -59.9% $ 10 HI 2,068 -100.0% $ 11 CT 8,788 -100.0% $ 12 NY 47,598 Toal PL 624,988 43,529 -8.5% 465,699 -25.5% $ 98,182 $ 13,259 $ 1,882 $ 11,090 $ 65,758 $ $ 1,047,507 $ 63,787 890,367 89,934 -8.4% 6,006 -54.7% -100.0% -100.0% $ -3.0% $ -15.0% $ $ 20,849 $ 18,330 -12.1% 5,563 $ 2,298 -58.7% 1,077 $ -100.0% PL CL 5,885 $ 35,591 $ 32,013 307,800 $ 235,539 -100.0% -10.1% -23.5% 2021 Premium Mix 1 13 Discontinued 113,621 $ % of UIHC 24% 168,681 13% $ 65,676 21% 37.1% 14 PL Adjusted 624,988 352,078 -43.7% $ 1,047,507 $ 721,686 -31.1% $ 307,800 $ 169,863 -44.8% 62.9% 15 Total CL 6,004 6,025 0.3% $ 350,812 $ 425,415 21.3% $ 69,236 $ 74,130 7.1% 16 Total UIHC 630,992 471,724 -25.2% $ 1,398,319 $ 1,315,782 -5.9% $ 377,036 $ 309,669 -17.9% 17 UIHC Adjusted 630,992 358,103 -43.2% $ 1,398,319 $ 1,147,101 -18.0% $ 377,036 $ 243,993 -35.3% PL CL Calculated using PL adjusted results 12

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