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  <xsd:element id="uihc_InsuranceCommissionsAndFeesFloodProgram" name="InsuranceCommissionsAndFeesFloodProgram" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="uihc_InsuranceProductLineAxis" name="InsuranceProductLineAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="uihc_InsuranceProductLineDomain" name="InsuranceProductLineDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="uihc_InterboroInsuranceCompanyMember" name="InterboroInsuranceCompanyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="uihc_InterboroLLCPromissoryNoteMember" name="InterboroLLCPromissoryNoteMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="uihc_KayneSeniorCreditFundIIL.P.Member" name="KayneSeniorCreditFundIIL.P.Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="uihc_LegalFeesMember" name="LegalFeesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="uihc_NetWritingRatioMember" name="NetWritingRatioMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="uihc_NonrecurringLossMember" name="NonrecurringLossMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="uihc_NumberofCatastrophicEvents" name="NumberofCatastrophicEvents" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="uihc_NumberofWhollyOwnedSubsidiaries" name="NumberofWhollyOwnedSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="uihc_NumberofWhollyOwnedSubsidiariesLineItems" name="NumberofWhollyOwnedSubsidiariesLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="uihc_NumberofWhollyOwnedSubsidiariesTable" name="NumberofWhollyOwnedSubsidiariesTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="uihc_OtherCommonStockMember" name="OtherCommonStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="uihc_OtherThanGrossandNetWritingRatioMember" name="OtherThanGrossandNetWritingRatioMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="uihc_PercentageOfFloodPremiumsCeded" name="PercentageOfFloodPremiumsCeded" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="uihc_PreTaxAmountAbstract" name="PreTaxAmountAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="uihc_RCHMortgageFundVIL.P.Member" name="RCHMortgageFundVIL.P.Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="uihc_ReinsuranceAggregateValueOfPropertyCoveredUnderContracts" name="ReinsuranceAggregateValueOfPropertyCoveredUnderContracts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="uihc_ReinsuranceContractCounterpartyNameAxis" name="ReinsuranceContractCounterpartyNameAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="uihc_ReinsuranceContractCounterpartyNameDomain" name="ReinsuranceContractCounterpartyNameDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="uihc_ReinsuranceCoveragePercentagePlaced" name="ReinsuranceCoveragePercentagePlaced" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="uihc_ReinsuranceEventTypeAxis" name="ReinsuranceEventTypeAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="uihc_ReinsuranceEventTypeDomain" name="ReinsuranceEventTypeDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="uihc_ReinsuranceLossesNotCoveredPriorToCoverageBeginning" name="ReinsuranceLossesNotCoveredPriorToCoverageBeginning" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="uihc_ReinsuranceRetentionPolicyCoveragePercentageHurricaneEvent" name="ReinsuranceRetentionPolicyCoveragePercentageHurricaneEvent" nillable="true" substitutionGroup="xbrli:item" type="xbrli:decimalItemType" xbrli:periodType="duration" />
  <xsd:element id="uihc_ReinsuranceRetentionPolicyInsuranceCoverageNumberOfInsuranceLayers" name="ReinsuranceRetentionPolicyInsuranceCoverageNumberOfInsuranceLayers" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="uihc_ReinsuranceRetentionPolicyNumberOfPrivateReinsurers" name="ReinsuranceRetentionPolicyNumberOfPrivateReinsurers" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="uihc_ReinsuranceRetentionPolicyParticipationRate" name="ReinsuranceRetentionPolicyParticipationRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="uihc_RelatedPartyTransactionAmountsOfTransactionRelatedPartyOwnershipInterest" name="RelatedPartyTransactionAmountsOfTransactionRelatedPartyOwnershipInterest" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="uihc_RequiredBalanceinInterestBearingAccount" name="RequiredBalanceinInterestBearingAccount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="uihc_RequiredBalanceinNonInterestBearingAccount" name="RequiredBalanceinNonInterestBearingAccount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="uihc_RequiredWrittenPremiumsToSurplusRatio" name="RequiredWrittenPremiumsToSurplusRatio" nillable="true" substitutionGroup="xbrli:item" type="xbrli:pureItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="uihc_SecondAndSubsequentCatastrophicEventsMember" name="SecondAndSubsequentCatastrophicEventsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="uihc_SecondCatastrophicEventMember" name="SecondCatastrophicEventMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="uihc_StatutoryAccountingPracticesStatutoryCapitalAndSurplusRequiredPercentOfTotalLiabilities" name="StatutoryAccountingPracticesStatutoryCapitalAndSurplusRequiredPercentOfTotalLiabilities" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="uihc_TaxExpenseBenefitAbstract" name="TaxExpenseBenefitAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="uihc_TenYearConstantMaturityTreasuryRateMember" name="TenYearConstantMaturityTreasuryRateMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="uihc_UPCReSubsidiaryMemberMember" name="UPCReSubsidiaryMemberMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="uihc_UnaffiliatedPrivateReinsurersMember" name="UnaffiliatedPrivateReinsurersMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="uihc_UpcSubsidiaryMember" name="UpcSubsidiaryMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="uihc_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract" name="WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="uihc_WritingRatioTypesAxis" name="WritingRatioTypesAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="uihc_WritingRatioTypesDomain" name="WritingRatioTypesDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
</xsd:schema>
