HRTG on NYSE
Heritage Insurance Holdings, Inc.
American fire company based in Clearwater, incorporated in Delaware2
In its 2026 annual report the company says: “Heritage Insurance Holdings, Inc. is a super-regional property and casualty insurance holding company that primarily provides personal and commercial residential insurance through our insurance company subsidiaries. We are vertically integrated and control or manage substantially all aspects of insurance underwriting, customer service, financial reporting and actuarial analysis, distribution and claims processing and adjusting.”5 Its shares trade on NYSE under the symbol HRTG.2
Price unavailable
Last updated Oct 21, 2026.
Overview
Compare with Employers Holdings Inc, Palomar Holdings, Inc. or HCI Group, Inc., or pick any stock.
- TickerHRTG on NYSE2
- IndustryFire, Marine & Casualty Insurance2
- HeadquartersClearwater, United States2
- Incorporated inDE3
- Business address1401 N Westshore Blvd, Tampa, Fl 336073
- Filer categoryAccelerated filer3
- Legal formCorporation2
- LEI9845008CCYDD87F66B452
- StatusActive2
- LEI statusLapsed (not renewed)2
- Registered addressORANGE ST, 19801 Wilmington, United States2
- Registered withDivision of Corporations, Department of State, 54333622
See how the biggest companies compare on our leaderboards
Heritage Insurance Holdings, Inc. (“we”, “our”, “us”, “Heritage” and the “Company”) is a super-regional property and casualty insurance holding company that primarily provides personal and commercial residential insurance through our insurance company subsidiaries. We are vertically integrated and control or manage substantially all aspects of insurance underwriting, customer service, financial reporting and actuarial analysis, distribution and claims processing and adjusting. We are led by a highly experienced and diverse management team with significant expertise in the residential property insurance industry and deep industry relationships.5 From its latest annual report
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
31.5%Operating margin6
23.1%Net margin6
3.7%Revenue growth, 20256
38.7%Return on equity6
0.16×Debt to equity6
$174.2MFree cash flow6
Where the money goes
Where each dollar of revenue went, fiscal 2025
- Selling, general and admin11¢$93.0M
- Other costs58¢$495.1M
- Income tax8¢$63.7M
- Profit23¢$195.6M
Out of $847.3M in revenue.6
Where each dollar of operating cash went, fiscal 2025
- Capital spending4¢$8.1M
- Kept or used elsewhere96¢$174.2M
Out of $182.2M of cash from operations.6
Financial statements
Every line of the income statement as filed: the last 3 fiscal years (annual) or 9 quarters (quarterly), latest first.6
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Gross premiums written | $1.4B | $1.4B | $1.3B |
| Change in gross unearned premiums | -$5.2M | -$26.8M | -$19.5M |
| Gross premiums earned | $1.4B | $1.4B | $1.3B |
| Ceded premiums earned | -$636.9M | -$638.2M | -$626.5M |
| Net premiums earned | $794.2M | $767.9M | $697.2M |
| Net investment income | $37.2M | $36.6M | $25.8M |
| Net realized gains (losses) on debt securities and other investments | $2.7M | -$705.0K | -$972.0K |
| Other revenue | $13.3M | $13.2M | $13.5M |
| Total revenues | $847.3M | $817.0M | $735.5M |
| Losses and loss adjustment expenses | $313.2M | $447.0M | $426.1M |
| Policy acquisition costs | $174.0M | $191.2M | $167.6M |
| General and administrative expenses, net of ceding commission income | $93.0M | $85.1M | $77.8M |
| Intangible asset impairment | $0 | $0 | $767.0K |
| Total expenses | $580.2M | $723.4M | $672.3M |
| Operating income | $267.2M | $93.6M | $63.2M |
| Interest expense | $7.9M | $10.9M | $11.2M |
| Income before income taxes | $259.3M | $82.7M | $52.0M |
| Income tax expense | $63.7M | $21.1M | $6.7M |
| Net income (loss) | $195.6M | $61.5M | $45.3M |
| Change in net unrealized gains on investments | $23.6M | $8.8M | $23.4M |
| Reclassification adjustment for net realized investment losses (gains) | $107.0K | -$51.0K | $636.0K |
| Income tax expense related to items of other comprehensive income | -$5.6M | -$2.1M | -$5.7M |
| Total comprehensive income | $213.6M | $68.2M | $63.6M |
| Basic (in shares) | 30.9M shares | 30.6M shares | 26.2M shares |
| Diluted (in shares) | 30.9M shares | 30.7M shares | 26.3M shares |
| Basic (in dollars per share) | $6.33 | $2.01 | $1.73 |
| Diluted (in dollars per share) | $6.32 | $2.01 | $1.73 |
| Ceding commission income | $73.0M | $50.3M | $64.8M |
| Period ending | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-06-30 |
|---|---|---|---|---|---|---|---|---|---|
| Net premiums earned | $202.7M | $195.1M | $196.3M | $200.0M | $199.3M | $198.8M | $190.3M | $179.4M | |
| Total revenues | $215.3M | $212.5M | $208.0M | $211.5M | $210.3M | $211.8M | $203.6M | $191.3M | |
| Intangible asset impairment | $767.0K | ||||||||
| Total expenses | $125.6M | $142.3M | $143.2M | $169.1M | $178.7M | $200.1M | $175.9M | $168.6M | |
| Operating income | $89.7M | $70.2M | $64.9M | $42.4M | $31.5M | $11.7M | $27.6M | $22.7M | |
| Net income (loss) | $66.7M | $50.4M | $48.0M | $30.5M | $20.3M | $8.2M | $18.9M | $14.2M | |
| Basic (in dollars per share) | $2.16 | $1.63 | $1.55 | $0.99 | $0.66 | $0.27 | $0.62 | $0.47 | |
| Diluted (in dollars per share) | $2.15 | $1.63 | $1.55 | $0.99 | $0.66 | $0.27 | $0.61 | $0.47 |
Every line of the balance sheet as filed: the last 4 fiscal years (annual) or 4 quarters (quarterly), latest first.6
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Fixed maturities, available-for-sale, at fair value (amortized cost of $726,774 and $692,790) | $713.2M | $655.6M | ||
| Equity securities, at fair value, (cost $1,064 and $1,936) | $1.1M | $1.9M | ||
| Other investments, net | $1.3M | $6.0M | ||
| Total investments | $715.6M | $663.4M | ||
| Cash and cash equivalents | $559.3M | $452.7M | ||
| Restricted cash | $13.3M | $11.0M | ||
| Accrued investment income | $6.6M | $5.6M | ||
| Premiums receivable, net | $95.3M | $102.1M | ||
| Reinsurance recoverable on paid and unpaid claims, net of allowance for credit losses of $175 and $197 | $318.6M | $740.2M | ||
| Prepaid reinsurance premiums | $307.0M | $309.8M | ||
| Deferred income tax asset, net | $5.9M | $13.9M | ||
| Deferred policy acquisition costs, net | $64.5M | $63.2M | $69.3M | $56.9M |
| Property and equipment, net | $28.3M | $38.1M | ||
| Right-of-use lease asset, finance | $12.6M | $15.1M | ||
| Right-of-use lease asset, operating | $4.9M | $5.8M | ||
| Intangibles, net | $30.2M | $36.4M | ||
| Other assets | $33.8M | $11.6M | ||
| Total Assets | $2.2B | $2.5B | ||
| Unpaid losses and loss adjustment expenses | $579.5M | $1.0B | $846.0M | $1.1B |
| Unearned premiums | $707.9M | $702.7M | ||
| Reinsurance payable | $232.8M | $227.1M | ||
| Long-term debt, net | $78.4M | $116.3M | ||
| Advance premiums | $19.2M | $15.2M | ||
| Income taxes payable, net | $4.3M | $846.0K | ||
| Accrued compensation | $8.8M | $8.9M | ||
| Lease liability, finance | $15.6M | $18.1M | ||
| Lease liability, operating | $5.8M | $6.9M | ||
| Accounts payable and other liabilities | $38.3M | $39.4M | ||
| Total Liabilities | $1.7B | $2.2B | ||
| Common stock, $0.0001 par value, 50,000,000 shares authorized, 43,171,585 shares issued and 30,833,776 outstanding at December 31, 2025 and 42,838,713 shares issued and 30,607,039 outstanding at December 31, 2024 | $3.0K | $3.0K | ||
| Additional paid-in capital | $365.7M | $362.6M | ||
| Accumulated other comprehensive income, net of taxes | -$10.6M | -$28.6M | ||
| Treasury stock, at cost, 12,337,809 and 12,231,674 shares December 31, 2025 and 2024, respectively | -$133.2M | -$130.9M | ||
| Retained earnings | $283.2M | $87.7M | ||
| Total Stockholders' Equity | $505.3M | $290.8M | $220.3M | $131.0M |
| Total Liabilities and Stockholders' Equity | $2.2B | $2.5B | ||
| Fixed maturities, available-for-sale, at amortized cost | $726.8M | $692.8M | ||
| Equity securities, cost | $1.1M | $1.9M | ||
| Reinsurance recoverable net of allowance for credit losses | $175.0K | $197.0K | ||
| Common stock, par value (in dollars per share) | $0.00 | $0.00 | ||
| Common stock, shares authorized (in shares) | 50.0M shares | 50.0M shares | ||
| Common stock, shares issued (in shares) | 43.2M shares | 42.8M shares | ||
| Common stock, shares outstanding (in shares) | 30.8M shares | 30.6M shares | ||
| Treasury stock, shares (in shares) | 12.3M shares | 12.2M shares |
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Fixed maturities, available-for-sale, at fair value (amortized cost of $726,774 and $692,790) | $713.2M | $655.6M | ||
| Equity securities, at fair value, (cost $1,064 and $1,936) | $1.1M | $1.9M | ||
| Other investments, net | $1.3M | $6.0M | ||
| Total investments | $715.6M | $663.4M | ||
| Cash and cash equivalents | $559.3M | $452.7M | ||
| Restricted cash | $13.3M | $11.0M | ||
| Accrued investment income | $6.6M | $5.6M | ||
| Premiums receivable, net | $95.3M | $102.1M | ||
| Reinsurance recoverable on paid and unpaid claims, net of allowance for credit losses of $175 and $197 | $318.6M | $740.2M | ||
| Prepaid reinsurance premiums | $307.0M | $309.8M | ||
| Deferred income tax asset, net | $5.9M | $13.9M | ||
| Deferred policy acquisition costs, net | $64.5M | $63.2M | $69.3M | $56.9M |
| Property and equipment, net | $28.3M | $38.1M | ||
| Right-of-use lease asset, finance | $12.6M | $15.1M | ||
| Right-of-use lease asset, operating | $4.9M | $5.8M | ||
| Intangibles, net | $30.2M | $36.4M | ||
| Other assets | $33.8M | $11.6M | ||
| Total Assets | $2.2B | $2.5B | ||
| Unpaid losses and loss adjustment expenses | $579.5M | $1.0B | $846.0M | $1.1B |
| Unearned premiums | $707.9M | $702.7M | ||
| Reinsurance payable | $232.8M | $227.1M | ||
| Long-term debt, net | $78.4M | $116.3M | ||
| Advance premiums | $19.2M | $15.2M | ||
| Income taxes payable, net | $4.3M | $846.0K | ||
| Accrued compensation | $8.8M | $8.9M | ||
| Lease liability, finance | $15.6M | $18.1M | ||
| Lease liability, operating | $5.8M | $6.9M | ||
| Accounts payable and other liabilities | $38.3M | $39.4M | ||
| Total Liabilities | $1.7B | $2.2B | ||
| Common stock, $0.0001 par value, 50,000,000 shares authorized, 43,171,585 shares issued and 30,833,776 outstanding at December 31, 2025 and 42,838,713 shares issued and 30,607,039 outstanding at December 31, 2024 | $3.0K | $3.0K | ||
| Additional paid-in capital | $365.7M | $362.6M | ||
| Accumulated other comprehensive income, net of taxes | -$10.6M | -$28.6M | ||
| Treasury stock, at cost, 12,337,809 and 12,231,674 shares December 31, 2025 and 2024, respectively | -$133.2M | -$130.9M | ||
| Retained earnings | $283.2M | $87.7M | ||
| Total Stockholders' Equity | $505.3M | $290.8M | $220.3M | $131.0M |
| Total Liabilities and Stockholders' Equity | $2.2B | $2.5B | ||
| Fixed maturities, available-for-sale, at amortized cost | $726.8M | $692.8M | ||
| Equity securities, cost | $1.1M | $1.9M | ||
| Reinsurance recoverable net of allowance for credit losses | $175.0K | $197.0K | ||
| Common stock, par value (in dollars per share) | $0.00 | $0.00 | ||
| Common stock, shares authorized (in shares) | 50.0M shares | 50.0M shares | ||
| Common stock, shares issued (in shares) | 43.2M shares | 42.8M shares | ||
| Common stock, shares outstanding (in shares) | 30.8M shares | 30.6M shares | ||
| Treasury stock, shares (in shares) | 12.3M shares | 12.2M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 3 fiscal years, latest first.6
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net income | $195.6M | $61.5M | $45.3M |
| Stock-based compensation | $5.4M | $3.3M | $1.4M |
| Bond amortization and accretion | -$779.0K | -$2.6M | -$3.5M |
| Amortization of original issuance discount on debt | $363.0K | $857.0K | $469.0K |
| Depreciation and amortization | $12.7M | $9.6M | $8.7M |
| Provision for credit losses | $368.0K | $51.0K | $856.0K |
| Net realized (gains) losses | -$2.7M | $705.0K | $937.0K |
| Deferred income taxes | $2.4M | -$4.8M | $40.0K |
| Goodwill or intangible asset impairment | $0 | $0 | $767.0K |
| Accrued investment income | -$964.0K | -$1.5M | -$251.0K |
| Premiums receivable, net | $6.4M | -$12.7M | $2.4M |
| Prepaid reinsurance premiums | $2.8M | -$15.6M | $12.8M |
| Reinsurance recoverable on paid and unpaid claims | $421.6M | -$257.8M | $322.6M |
| Income taxes receivable | $0 | $13.4M | -$1.2M |
| Deferred policy acquisition costs, net | -$1.3M | $6.1M | -$3.3M |
| Right-of-use asset, net | $3.5M | $3.5M | $3.0M |
| Other assets | -$11.2M | $1.0M | -$1.2M |
| Unpaid losses and loss adjustment expenses | -$463.2M | $196.7M | -$285.9M |
| Unearned premiums | $5.2M | $26.8M | $19.3M |
| Reinsurance payable | $5.7M | $67.2M | -$40.0M |
| Income taxes payable | $3.4M | $846.0K | $0 |
| Debt issuance costs | -$2.2M | $0 | $0 |
| Accrued interest | $121.0K | -$179.0K | -$410.0K |
| Advance premiums | $4.0M | -$8.7M | -$2.6M |
| Accrued compensation | -$82.0K | -$535.0K | $2.9M |
| Lease liability, net | -$3.6M | -$3.4M | -$2.8M |
| Other liabilities | -$1.2M | $3.5M | -$9.9M |
| Net cash provided by operating activities | $182.2M | $87.1M | $70.4M |
| Fixed maturity securities sales, maturities and paydowns | $311.3M | $203.5M | $332.5M |
| Fixed maturity securities purchases | -$344.6M | -$287.0M | -$230.7M |
| Redemption of equity securities | $893.0K | $0 | $0 |
| Return on other investments | $4.7M | $359.0K | $1.1M |
| Other investment sales | $0 | $0 | $8.0M |
| Equity securities reinvestments of dividends | -$21.0K | -$270.0K | -$152.0K |
| Proceeds from the sale of property | $3.2M | $0 | $0 |
| Cost of property and equipment acquired | -$8.1M | -$8.2M | -$9.9M |
| Net cash (used in) provided by investing activities | -$32.7M | -$91.6M | $100.8M |
| Proceeds from loan agreement | $0 | $5.5M | $0 |
| Issuance of common stock, net of offering costs | $0 | -$3.0K | $24.7M |
| Mortgage loan payments | -$10.8M | -$270.0K | -$180.0K |
| Principal payments on term loan facility | -$6.1M | -$9.5M | -$9.5M |
| Repayment of loan agreement | -$19.2M | $0 | $0 |
| Tax withholding on share-based compensation awards | -$2.3M | -$971.0K | -$429.0K |
| Purchase of treasury stock | -$2.3M | $0 | $0 |
| Dividends forfeited (paid) | $0 | $54.0K | -$11.0K |
| Net cash (used in) provided by financing activities | -$40.6M | -$5.2M | $14.5M |
| Increase (decrease) in cash, cash equivalents, and restricted cash | $108.9M | -$9.7M | $185.8M |
| Non-cash promissory note received in connection with the sale of property | $11.0M | $0 | $0 |
| Interest paid | $6.9M | $9.5M | $9.3M |
| Federal income taxes paid, net of refunds | $50.3M | $8.5M | $6.0M |
| State income taxes paid, net of refunds | $7.6M | $4.1M | $1.9M |
| Total income taxes paid, net of refunds | $57.9M | $12.6M | $7.9M |
No quarter-by-quarter statement was filed.
Compare Heritage Insurance Holdings, Inc. with another company
Corporate structure
Heritage Insurance Holdings, Inc. sits at the top of its group. 12 entities, 2 countries on record. Switch between the flow chart and the network, and select any entity to see its details.
Major holders of Heritage Insurance Holdings, Inc.
- Raymond T. Hyer Filed SCHEDULE 13G/A on Heritage Insurance Holdings, Inc., latest Sep 25, 2026 (7 filings since May 25, 2022)
- VANGUARD GROUP INC Filed SCHEDULE 13G/A on Heritage Insurance Holdings, Inc., latest Mar 27, 2026 (2 filings since Oct 30, 2025)
- DIMENSIONAL FUND ADVISORS LP Filed SCHEDULE 13G/A on Heritage Insurance Holdings, Inc., latest Apr 15, 2025 (3 filings since Feb 8, 2022)
- BlackRock Filed SC 13G on Heritage Insurance Holdings, Inc., latest Nov 8, 2024 (4 filings since Feb 3, 2022)
- DRIEHAUS CAPITAL MANAGEMENT LLC Filed SC 13G/A on Heritage Insurance Holdings, Inc., latest Jun 10, 2024 (2 filings since Feb 14, 2024)
- Heritage Insurance Holdings, Inc. Clearwater, Florida, United States
- Contractors' Alliance Network Subsidiary · Florida, United States
- Heritage MGA, LLC Subsidiary · Florida, United States
- Heritage Property & Casualty Insurance Company, Inc Subsidiary · Florida, United States
- HI Holdings, Inc Subsidiary · Hawaii, United States
- Narragansett Bay Insurance Company Subsidiary · Rhode Island, United States
- NBIC Financial Holdings, Inc Subsidiary · Rhode Island, United States
- NBIC Holdings, Inc. Subsidiary · Delaware, United States
- NBIC Service Company, Inc Subsidiary · Rhode Island, United States
- Osprey Re Ltd Subsidiary · Bermuda
- Zephyr Acquisition Company Subsidiary · Delaware, United States
- Zephyr Insurance Company, Inc. Subsidiary · Hawaii, United States
Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.
What it owns
What Heritage Insurance Holdings, Inc. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.
Property and equipment
| Item | Latest | A year before | Change |
|---|---|---|---|
| Property and equipment, before depreciation | $48.2M6 Dec 31, 2025 | $58.5M6 Dec 31, 2024 | −17.5% |
| Accumulated depreciation | $20.0M6 Dec 31, 2025 | $20.4M6 Dec 31, 2024 | −2.0% |
| Property and equipment, net | $28.3M6 Dec 31, 2025 | $38.1M6 Dec 31, 2024 | −25.8% |
| Finance-lease assets | $12.6M6 Dec 31, 2025 | $15.1M6 Dec 31, 2024 | −16.5% |
| Operating-lease assets (leased space) | $4.9M6 Dec 31, 2025 | $5.8M6 Dec 31, 2024 | −16.6% |
Investments
| Item | Latest | A year before | Change |
|---|---|---|---|
| Cash and cash equivalents | $559.3M6 Dec 31, 2025 | $452.7M6 Dec 31, 2024 | +23.6% |
| Debt securities available for sale | $713.2M6 Dec 31, 2025 | $655.6M6 Dec 31, 2024 | +8.8% |
| Equity securities at fair value | $1.1M6 Dec 31, 2025 | $1.9M6 Dec 31, 2024 | −45.0% |
| Stakes in other companies (equity method) | $1.1M6 Dec 31, 2025 | $1.9M6 Dec 31, 2024 | −45.0% |
Intangibles and goodwill
| Item | Latest | A year before | Change |
|---|---|---|---|
| Intangible assets, net (excluding goodwill) | $30.2M6 Dec 31, 2025 | $36.4M6 Dec 31, 2024 | −17.0% |
| Finite-lived intangibles, gross | $86.5M6 Dec 31, 2025 | $86.5M6 Dec 31, 2024 | 0% |
| Accumulated amortization | $57.6M6 Dec 31, 2025 | $51.4M6 Dec 31, 2024 | +12.0% |
| Finite-lived intangibles, net | $28.9M6 Dec 31, 2025 | $35.1M6 Dec 31, 2024 | −17.6% |
Properties, in its own words
The following is a summary of our offices and locations:
Location · Business Use · Square Footage · Leased/Owned · Lease Expiration Date
The rest of Item 2
Tampa, Florida · Corporate Headquarters · 89,000 · Leased · March 31, 2031
Honolulu, Hawaii · Insurance Company HI, Operations · 4,405 · Leased · February 28, 2030
Sunrise, Florida · Regional Office · 28,000 · Leased · October 31, 2029
Johnston, Rhode Island · Insurance Company NE, Operations · 28,098 · Leased · January 31, 2026
Item 2 of the 10-K filed Mar 12, 2026.5
Leadership
Who has led Heritage Insurance Holdings, Inc., and when. Pick a name to see everywhere that person has worked.
Chief executive
Chair
President
Chief financial officer
Chief operating officer
201520202025
- Chief executive officerErnie J. Garateix Jan 6, 2021 to now14
- Chief executive officerBruce Lucas May 22, 2014 to Nov 6, 202015
- ChairBruce Lucas May 22, 2014 to Nov 6, 202015
- PresidentRichard A. Widdicombe May 22, 2014 to Nov 6, 202016
- Chief financial officerKirk Lusk Feb 2, 2018 to now17
- Chief financial officerSteven C. Martindale Jun 3, 2016 to Jun 3, 201618
- Chief financial officerStephen L. Rohde May 22, 2014 to May 11, 201619
- Chief operating officerErnie J. Garateix Mar 24, 2015 to Nov 6, 202020
- Chief operating officerKent M. Linder May 22, 2014 to Dec 4, 201421
Board members and other officers (19)
- OfficerTimothy E. Johns Apr 20, 2021 to now22
- OfficerTimothy Moura Apr 10, 2020 to now23
- EVP FinanceSharon Binnun Apr 15, 2015 to now24
- Executive Vice PresidentErnie J. Garateix May 22, 2014 to Dec 4, 201425
- Vice President of ComplianceJoseph R. Peiso May 22, 2014 to May 13, 201526
- OfficerMelvin A. Russell Jr. May 22, 2014 to Jun 4, 201527
- Vice President of ClaimsPaul Neilson May 22, 2014 to Nov 13, 201528
- Board memberPaul L. Whiting Mar 13, 2023 to now29
- Board memberErnie J. Garateix Mar 18, 2022 to now30
- Board memberMark S. Berset Jul 22, 2019 to now31
- Board memberSteven C. Martindale May 16, 2018 to Jun 27, 202232
- Board memberJames Masiello May 22, 2014 to Dec 10, 201833
- Board memberJoseph Vattamattam May 22, 2014 to now34
- Board memberMonica Vernon May 22, 2014 to May 22, 201435
- Board memberPanagiotis Apostolou May 22, 2014 to now36
- Board memberRichard A. Widdicombe May 22, 2014 to now16
- Board memberTrifon Houvardas May 22, 2014 to Jun 20, 201637
- Board memberVijay Walvekar May 22, 2014 to now38
- Board memberIrini Barlas Aug 19, 2014 to now39
Subsidiaries and ownership
Subsidiaries (Exhibit 21)
- Contractors' Alliance Network Florida4
- HI Holdings, Inc Hawaii4
- Heritage MGA, LLC Florida4
- Heritage Property & Casualty Insurance Company, Inc Florida4
- NBIC Financial Holdings, Inc Rhode Island4
- NBIC Holdings, Inc. Delaware4
- NBIC Service Company, Inc Rhode Island4
- Narragansett Bay Insurance Company Rhode Island4
- Osprey Re Ltd Bermuda4
- Zephyr Acquisition Company Delaware4
- Zephyr Insurance Company, Inc. Hawaii4
The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.
Former names
- Heritage Insurance Holdings, LLCFeb 13, 2014 to May 20, 20143
Timeline
- Aug 5, 20268-K Results of operations40
- Jun 11, 20268-K Shareholder vote41
- May 29, 20268-K Other events42
- May 7, 20268-K Results of operations43
- Mar 9, 20268-K Results of operations44
- Feb 23, 20268-K Results of operations; Regulation FD disclosure45
- Nov 5, 20258-K Results of operations46
- Sep 25, 20258-K Executive or director change47
- Aug 5, 20258-K Results of operations48
- Jul 24, 20258-K Entered a material agreement; New debt or obligation49
- Jun 11, 20258-K Shareholder vote; Other events50
- May 8, 20258-K Other events51
- Jan 6, 2021New chief executive Ernie J. Garateix becomes CEO14
- May 22, 2014New chief executive Bruce Lucas becomes CEO15
- Dec 30, 2013Founded Heritage Insurance Holdings, Inc. is founded2
Calendar
Coming up
- Oct 28, 2026 · After the closeReports results for the quarter ending Sep/2026 A year earlier it reported $1.63 a share, on Nov 5, 2025.52
When it reported results
- Aug 5, 2026Reported quarterly or annual results40
- May 7, 2026Reported quarterly or annual results43
- Mar 9, 2026Reported quarterly or annual results44
- Feb 23, 2026Reported quarterly or annual results45
- Nov 5, 2025Reported quarterly or annual results46
- Aug 5, 2025Reported quarterly or annual results48
- May 6, 2025Reported quarterly or annual results53
- Mar 11, 2025Reported quarterly or annual results54
Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar
Filings
348 filings to the SEC since October 2021: 7 annual reports, 16 quarterly reports, 42 major events, 189 insider forms, 18 large holders, 76 other. The latest 20:
- Sep 25, 2026SCHEDULE 13G/A EDGAR
- Sep 22, 20264 EDGAR
- Sep 18, 2026144 EDGAR
- Sep 16, 20264 EDGAR
- Sep 14, 2026144 EDGAR
- Sep 11, 20264 EDGAR
- Sep 9, 2026144 EDGAR
- Sep 8, 20264 EDGAR
- Sep 3, 2026144 EDGAR
- Sep 3, 20264 EDGAR
- Sep 1, 2026144 EDGAR
- Aug 26, 20264 EDGAR
- Aug 24, 2026144 EDGAR
- Aug 21, 20264 EDGAR
- Aug 19, 2026144 EDGAR
- Aug 19, 20264 EDGAR
- Aug 19, 20264 EDGAR
- Aug 18, 2026144 EDGAR
- Aug 17, 2026144 EDGAR
- Aug 17, 2026144 EDGAR
The 348 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last five years, summarized. The full record is on SEC EDGAR.
Insider trades
92 open-market trades by officers, directors and large owners since October 2021: 36 buys and 56 sales. Grants, option exercises and gifts are left out.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Sep 18, 2026 | JOHNS TIMOTHY ESee Remarks | Sale | 3,500 | $34.74 | $121.6K | Form 4 |
| Sep 14, 2026 | Garateix Ernie JChief Executive Officer | Sale | 2,500 | $35.25 | $88.1K | Form 4 |
| Sep 9, 2026 | Binnun SharonChief Accounting Officer | Sale | 6,565 | $33.82 | $222.0K | Form 4 |
| Sep 3, 2026 | Garateix Ernie JChief Executive Officer | Sale | 2,500 | $35.10 | $87.8K | Form 4 |
| Sep 1, 2026 | Binnun SharonChief Accounting Officer | Sale | 9,200 | $33.91 | $312.0K | Form 4 |
| Aug 24, 2026 | Garateix Ernie JChief Executive Officer | Sale | 10,000 | $34.88 | $348.8K | Form 4 |
| Aug 19, 2026 | JOHNS TIMOTHY ESee Remarks | Sale | 3,500 | $33.68 | $117.9K | Form 4 |
| Aug 18, 2026 | Garateix Ernie JChief Executive Officer | Sale | 5,000 | $34.55 | $172.8K | Form 4 |
| Aug 17, 2026 | Lusk KirkChief Financial Officer | Sale | 10,000 | $34.16 | $341.6K | Form 4 |
| Aug 17, 2026 | Garateix Ernie JChief Executive Officer | Sale | 5,000 | $34.31 | $171.6K | Form 4 |
| Aug 10, 2026 | Moura TimothySee Remarks | Sale | 15,104 | $32.49 | $490.7K | Form 4 |
| Aug 3, 2026 | Binnun SharonChief Accounting Officer | Sale | 9,200 | $30.03 | $276.3K | Form 4 |
| Jul 1, 2026 | Binnun SharonChief Accounting Officer | Sale | 9,200 | $26.58 | $244.5K | Form 4 |
| Jun 22, 2026 | Binnun SharonChief Accounting Officer | Sale | 9,200 | $24.36 | $224.1K | Form 4 |
| May 19, 2026 | WHITING PAUL LDirector | Buy | 16,000 | $23.56 | $376.9K | Form 4 |
| May 1, 2026 | Binnun SharonChief Accounting Officer | Sale | 9,200 | $28.99 | $266.7K | Form 4 |
| Apr 20, 2026 | Garateix Ernie JChief Executive Officer | Sale | 8,334 | $27.55 | $229.6K | Form 4 |
| Apr 2, 2026 | Moura TimothySee Remarks | Sale | 24,769 | $25.76 | $638.0K | Form 4 |
| Apr 1, 2026 | Moura TimothySee Remarks | Sale | 25,721 | $25.80 | $663.6K | Form 4 |
| Apr 1, 2026 | Binnun SharonChief Accounting Officer | Sale | 9,200 | $25.72 | $236.6K | Form 4 |
All 92 trades can be filtered by person here when JavaScript is on.
From Forms 4 filed with the SEC.
Major holders
Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.
- Raymond T. HyerSCHEDULE 13G/A, 7 filings May 25, 2022 to Sep 25, 202655
- VANGUARD GROUP INCSCHEDULE 13G/A, 2 filings Oct 30, 2025 to Mar 27, 202656
- DIMENSIONAL FUND ADVISORS LPSCHEDULE 13G/A, 3 filings Feb 8, 2022 to Apr 15, 202557
- BlackRockSC 13G, 4 filings Feb 3, 2022 to Nov 8, 202458
- DRIEHAUS CAPITAL MANAGEMENT LLCSC 13G/A, 2 filings Feb 14, 2024 to Jun 10, 202459
Executive pay
What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.
Held by these funds
The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.
13F reports cover disclosed long positions in U.S. stocks only.
SEC filer profile
How Heritage Insurance Holdings, Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.
- Name on EDGARHeritage Insurance Holdings, Inc.1
- CIK0001598665
- Employer ID (EIN)45-53385045
- Filer statusAccelerated filer not an emerging growth company; a smaller reporting company; not a shell company5
- Incorporated inDelaware5
- Industry code (SIC)6331 Fire, Marine & Casualty Insurance1
- SEC reviewing officeOffice of Finance, Division of Corporation Finance1
- Business address1401 N Westshore Blvd, Tampa, FL 336071
- Phone72736272021
- Shares outstanding29,732,416 as of Aug 2, 202612
- Public float$665.7M as of Jun 30, 20255
- AuditorPlante & Moran, PLLC, Chicago, IL PCAOB ID 166; it also attests to the company’s internal control over financial reporting5
- On EDGAR sinceFeb 13, 20141
- Filings787 in all: 4 (367), 8-K (118), 144 (52), 10-Q (37), 4/A (32), 3 (24), SC 13G/A (22), SC 13G (15)1
All 38 form types
CORRESP (14), DEF 14A (13), UPLOAD (13), 10-K (12), DEFA14A (11), S-3/A (6), ARS (5), EFFECT (5), 3/A (4), S-1/A (4), S-3 (4), SCHEDULE 13G/A (4), S-8 (3), 10-K/A (2), 424B2 (2), 424B5 (2), CT ORDER (2), SCHEDULE 13G (2), 10-Q/A (1), 424B4 (1), 5 (1), 8-A12B (1), 8-K/A (1), CERTNYS (1), D (1), DEL AM (1), DRS (1), DRS/A (1), PRE 14A (1), S-1 (1)
- Latest filingsAnnual report (10-K) Mar 12, 2026
Quarterly report (10-Q) Aug 7, 2026
Proxy statement (DEF 14A) Apr 30, 2026
Latest 8-K (8-K) Aug 5, 2026
Securities registered for trading
| Class | Symbol | Exchange |
|---|---|---|
| Common Stock, par value $0.0001 per share | HRTG | New York Stock Exchange |
From the cover page of the 10-K filed Mar 12, 2026 (Section 12(b) of the Exchange Act).5
Risk factors and legal proceedings
The risks Heritage Insurance Holdings, Inc. names in Item 1A of its 10-K filed Mar 12, 2026: 38 risks under these headings, as written.5
- Risks Related to Our Business
- Our loss reserves are estimates and may be inadequate to cover our actual liability for losses, causing our results of operations to be adversely affected.
- We have exposure to unpredictable catastrophes that are more pronounced because a large portion of our insurance business is conducted in coastal states, which exposure can materially and adversely affect our financial results.
- Our success depends on our ability to adequately assess risk and set premiums accordingly, and our failure to do so could affect the growth of our business and adversely impact our financial results.
- Our results of operations may fluctuate significantly based on industry factors.
- Reinsurance coverage may not be available to us in the future at commercially reasonable rates or at all.
- We may not be able to collect reinsurance amounts due to us from the reinsurers with which we have contracted.
- We carry a significant amount of intangible assets on our consolidated balance sheets. Earnings for future periods may be impacted by impairment charges for intangible assets.
- The inherent uncertainty of models and our reliance on such models as a tool to evaluate risk may have an adverse effect on our financial results.
- Increased competition, competitive pressures, industry developments and market conditions could affect the growth of our business and adversely impact our financial results.
- Our ability to operate efficiently and remain competitive may depend in part on our ability to adapt to technological innovation in our industry.
- We may not be able to effectively integrate newly acquired businesses or achieve expected profitability from acquisitions.
The other 27 risks
- We may not be able to effectively execute our business diversification strategy.
- We rely on independent agents to write insurance policies for us, and if we are not able to attract and retain independent agents, our revenues would be negatively affected.
- The failure of our claims department to effectively manage or remediate claims could adversely affect our insurance business, financial results and capital requirements.
- If actual renewals of our existing contracts do not meet expectations, our premiums written in future years and our future results of operations could be materially adversely affected.
- Our inability to maintain our financial stability rating may have a material adverse effect on our competitive position, the marketability of our product offerings, and our liquidity, operating results and financial condition.
- If we are unable to expand our business because our capital must be used to pay greater than anticipated claims, our financial results may suffer. Further, we may require additional capital in the future which may not be available or may only be available on unfavorable terms.
- Our financial results may be negatively affected by the fact that a portion of our income is generated by the investment of our company’s capital, premiums and loss reserves.
- The effects of emerging claim and coverage issues on our business are uncertain.
- The failure of the risk mitigation strategies we utilize could have a material adverse effect on our financial condition or results of operations.
- Lack of effectiveness of exclusions and other loss limitation methods in the insurance policies we assume or write could have a material adverse effect on our financial condition or our results of operations.
- We are dependent on our executives, key employees and the ability to hire and retain a qualified workforce.
- Risks Related to Regulation of Our Insurance Operations
- We are subject to extensive regulation which may reduce our profitability or limit our growth. Moreover, if we fail to comply with these regulations, we may be subject to penalties, including fines and suspensions, which may adversely affect our financial condition and results of operations.
- Our insurance subsidiaries are subject to minimum capital and surplus requirements, and our failure to meet these requirements could subject us to regulatory action.
- Litigation or regulatory actions could have a material adverse impact on us.
- Regulation limiting rate increases may decrease our profitability.
- Our revenues and operating performance will fluctuate due to statutorily approved assessments that support property and casualty insurance pools and associations.
- Risks Related to Financing
- Our variable rate indebtedness subjects us to interest rate risk, which could cause our annual debt service obligations to increase significantly.
- Our credit agreement contains restrictions that can limit our flexibility in operating our business.
- Dividend payments on our common stock in the future are uncertain.
- We depend on the ability of our subsidiaries to generate and transfer funds to meet debt obligations and to make dividend payments.
- Risks Related to Ownership of Our Common Stock
- Certain provisions of our certificate of incorporation and our bylaws may make it difficult for stockholders to change the composition of our board of directors and may discourage hostile takeover attempts that some of our stockholders may consider to be beneficial.
- Applicable insurance laws may make it difficult to effect a change of control of our company.
- Our stock price in recent years has been volatile and is likely to continue to be volatile, which may impact the value of stock held by investors.
- Risks Related to our Information Technology Systems
- Our information technology systems, or those of our key service providers, may fail or suffer a loss of security which could adversely affect our business.
- We may be subject to information technology failures, including data protection breaches and cyber-attacks, that could disrupt our operations, damage our reputation and adversely affect our business, operations, and financial results.
- The development and implementation of new technologies will require an additional investment of our capital resources in the future.
- We do not have significant redundancy in our operations.
Legal proceedings
We are subject to routine legal proceedings in the ordinary course of business. We believe that the ultimate resolution of these matters will not have a material adverse effect on our business, financial condition or results of operations.
The opening of Item 3, Legal Proceedings.5
Sources
The numbers on this page point here. Each one links to the record it came from.
- 1
- 2
- 3
- 4
- 5
- 6
- 7
- 8
- 9
- 10
- 11
- 12
- 13
- 14
- 15SEC EDGARBruce Lucas, Chief executive officer
- 16SEC EDGARRichard A. Widdicombe, President
- 17SEC EDGARKirk Lusk, Chief financial officer
- 18
- 19
- 20
- 21
- 22SEC EDGARTimothy E. Johns, Officer
- 23SEC EDGARTimothy Moura, Officer
- 24SEC EDGARSharon Binnun, EVP Finance
- 25
- 26
- 27SEC EDGARMelvin A. Russell Jr., Officer
- 28
- 29SEC EDGARPaul L. Whiting, Board member
- 30SEC EDGARErnie J. Garateix, Board member
- 31SEC EDGARMark S. Berset, Board member
- 32SEC EDGARSteven C. Martindale, Board member
- 33SEC EDGARJames Masiello, Board member
- 34SEC EDGARJoseph Vattamattam, Board member
- 35SEC EDGARMonica Vernon, Board member
- 36SEC EDGARPanagiotis Apostolou, Board member
- 37SEC EDGARTrifon Houvardas, Board member
- 38SEC EDGARVijay Walvekar, Board member
- 39SEC EDGARIrini Barlas, Board member
- 40SEC EDGARResults of operations
- 41SEC EDGARShareholder vote
- 42SEC EDGAROther events
- 43SEC EDGARResults of operations
- 44SEC EDGARResults of operations
- 45
- 46SEC EDGARResults of operations
- 47SEC EDGARExecutive or director change
- 48SEC EDGARResults of operations
- 49
- 50SEC EDGARShareholder vote; Other events
- 51SEC EDGAROther events
- 52NasdaqNasdaq calendar
- 53
- 54
- 55
- 56
- 57
- 58
- 59
- 60