Welcome to our dedicated page for Heritage Insurance Hldgs SEC filings (Ticker: HRTG), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
When a single hurricane can reshape Heritage Insurance Holdings Inc.’s balance sheet overnight, investors can’t afford to miss a line of disclosure. Yet the company’s 250-page 10-K, dozens of 8-Ks on storm events, and web of reinsurance exhibits make finding the right numbers a challenge.
Stock Titan’s AI-powered analysis solves that problem. Open any filing—annual report, quarterly earnings report 10-Q filing, or that all-important 8-K material events explained—and our platform highlights loss-ratio swings, reinsurance costs, and county-level exposure in plain English. Need to track Heritage Insurance Holdings insider trading Form 4 transactions? We stream Form 4 insider transactions real-time, flagging executive stock transactions Form 4 alongside contextual AI notes on storm season timing.
All SEC documents are here the moment they hit EDGAR: proxy statement executive compensation details, detailed catastrophe bond tables inside the 10-K, and every Heritage Insurance Holdings quarterly earnings report with AI commentary on premiums-earned trends. Use the search bar the way you’d ask a colleague—“understanding Heritage Insurance SEC documents with AI” or “Heritage Insurance earnings report filing analysis”—and jump straight to the answer. Our coverage spans:
- Annual report 10-K simplified—including reinsurance layering explanations
- Heritage Insurance 8-K hurricane loss updates in minutes
- Real-time alerts on Heritage Insurance Holdings Form 4 insider transactions
- Proxy statement executive compensation breakdowns
No more scanning hundreds of pages; our expert analysis distills what matters so you can compare combined ratios, monitor capital adequacy, and react quickly to storm-season disclosures.
Heritage Insurance Holdings (HRTG) reported strong Q3 2025 results. Total revenues were $212.5 million versus $211.8 million a year ago, while operating income rose to $70.2 million from $11.7 million. Net income increased to $50.4 million, up from $8.2 million, with diluted EPS of $1.63 versus $0.27.
For the first nine months, total revenues were $632.0 million versus $606.7 million, and net income reached $128.9 million compared with $41.2 million, with diluted EPS of $4.17 versus $1.35. Losses and loss adjustment expenses fell to $74.8 million in Q3 from $130.0 million, and interest expense declined to $1.9 million from $2.8 million.
The balance sheet showed cash and cash equivalents of $560.4 million (up from $452.7 million at year-end), stockholders’ equity of $437.3 million (up from $290.8 million), and unpaid losses of $649.6 million (down from $1,042.7 million). The company recorded a ~$2.7 million gain from a real estate sale and received an $11.0 million promissory note at 7% interest. The 2025–2026 reinsurance program includes FHCF participation at 90.0% and first-event coverage up to $1.6 billion for Heritage P&C, $1.1 billion for NBIC, and $865.0 million for Zephyr.
Heritage Insurance (HRTG) disclosed insider sales by CFO Kirk Lusk. He sold a total of 20,000 shares across two transactions: 71 shares at $24.00 on 11/04/2025 and 19,929 shares at a weighted average price of $24.1764 on 11/05/2025, with sale prices ranging from $24.00 to $24.54. The filing states the trades were made pursuant to a previously adopted Rule 10b5-1 trading plan.
Following these transactions, Lusk held 558,756 shares directly.
Heritage Insurance Holdings, Inc. (HRTG) furnished an update on November 5, 2025, announcing it issued a press release with financial results for the fiscal quarter ended September 30, 2025.
The information was provided under Item 2.02 of a Form 8-K and includes Exhibit 99.1, which contains the full press release. The company notes this material is furnished, not filed, under the Exchange Act unless specifically incorporated by reference.
Rule 144 notice: A holder for HRTG filed to sell 19,929 shares of Common stock through Morgan Stanley Smith Barney LLC Executive Financial Services, with an aggregate market value $476,502.39. The approximate sale date is 11/05/2025 on the NYSE. These shares were acquired via Restricted Stock Units on 03/01/2018. Recent 10b5-1 transactions include 20,000 shares sold on 09/12/2025 for $483,374.00 and 13,197 shares on 10/01/2025 for $326,986.03. Shares outstanding were 31,017,570.
HRTG: A selling stockholder filed a Form 144 to sell 71 shares of common stock through Morgan Stanley Smith Barney, with an approximate sale date of 11/04/2025 on the NYSE.
The 71 shares were acquired as Restricted Stock Units from the issuer on 03/01/2018. The filer also reported recent Rule 10b5-1 sales over the past three months: 20,000 shares on 09/12/2025 for $483,374.00, 13,197 shares on 10/01/2025 for $326,986.03, and 6,803 shares on 10/03/2025 for $164,346.87. Form 144 is a notice of a proposed sale by an affiliate or holder of restricted/controlled securities under Rule 144.
The Vanguard Group filed a Schedule 13G reporting a passive stake in Heritage Insurance Holdings (HRTG). Vanguard beneficially owned 1,646,731 shares, representing 5.3% of the common stock as of 09/30/2025.
The filing shows sole voting power: 0; shared voting power: 174,203; sole dispositive power: 1,464,363; and shared dispositive power: 182,368. Vanguard certified the shares were acquired and are held in the ordinary course and not to influence control. The stake is held on behalf of clients, and no single other person’s interest exceeds 5%.
Heritage Insurance Holdings (HRTG) — Form 4 insider transaction: CEO and Director Ernie J. Garateix reported open‑market sales of common stock on 10/20/2025. He sold 7,467 shares at a weighted average price of $23.01 and 867 shares at a weighted average price of $23.02. The filing notes price ranges for each sale day.
Following these transactions, he beneficially owned 1,229,140 shares, held directly. The weighted average price ranges disclosed were $22.74–$23.20 and $22.77–$23.18, with further detail available upon request as stated in the filing.
Heritage Insurance Holdings (HRTG) reported an insider transaction by its Chairman and Director on 10/14/2025. The reporting person sold 100,000 shares of common stock across three trades: 8,999 shares at a weighted average price of $25.90 (range $25.35–$26.33), 32,286 shares at $26.97 (range $26.36–$27.35), and 58,715 shares at $27.62 (range $27.36–$27.97).
Following these sales (Code S), the reporting person beneficially owns 499,047 shares, held directly.
Kirk Lusk, Chief Financial Officer of Heritage Insurance Holdings, Inc. (HRTG), reported a sale of 6,803 shares of the company's common stock executed on
Heritage Insurance Holdings (HRTG) reported an insider stock sale by its Chief Financial Officer. On 10/01/2025, the CFO sold 9,397 shares at a weighted average price of $24.61 and 3,800 shares at a weighted average price of $25.18.
The filing notes price ranges for these trades: $24.05–$25.04 and $25.05–$25.40, respectively. Following the transactions, the CFO beneficially owns 585,559 shares, held directly.
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