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Enough top-performing CAPS members have turned bullish on Universal Insurance Holdings (AMEX:UVE) recently to pull it up from the three- and four-star rank it has held for months to a more formidable five stars. A total of 290 members have given their opinion on Universal Insurance, with many offering analysis and commentary to explain their recent optimism.

Investors see a tough road ahead for major insurance companies like Prudential Financial (NYSE:PRU), Hartford (NYSE:HIG), and Lincoln National (NYSE:LNC), which have recently been approved for TARP money. Yet despite mandated rate decreases in Florida, and the risk of frequent severe weather in the state where it does a lot of business, investors are encouraged that Universal didn't stop growing its policy count in the first quarter. Its total policies reached 498,000, up from the previous quarter and the same quarter last year. It increased its total premiums earned in the quarter, and it's entering new markets. It recently began writing policies in North and South Carolina, and it aims to enter Hawaii and Texas as well.

Unlike stocks in big banks such as Citigroup (NYSE:C) and Bank of America (NYSE:BAC) -- and even peer insurer AIG (NYSE:AIG) -- that have investors running scared, Universal's shares have widely outperformed the broader market over the past year. The company has taken a more conservative approach in its investment portfolio to avoid some of the volatility in the current banking environment. Many CAPS members also like its conservative payout ratio, not to mention its solid dividend yield of more than 11%.

To see what the very best CAPS analysts are saying now about Universal Insurance Holdings -- as well as other winning stocks they are picking -- head on over to CAPS and have a look. Unlike analysts' opinions, which are usually reserved for paying clients, the community research and resources in CAPS are totally free.

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Fool contributor Dave Mock recently upgraded the refrigerator with more kid art. He owns no shares of companies mentioned here. The Fool's disclosure policy will give you four letters and still pound you at a game of Horse.