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.
The Heritage Insurance Holdings, Inc. (NYSE: HRTG) SEC filings page on Stock Titan provides access to the company’s regulatory disclosures as a super-regional property and casualty insurance holding company. Heritage files periodic and current reports with the U.S. Securities and Exchange Commission, including Forms 10-K and 10-Q for financial reporting and Forms 8-K for material events.
In its Form 8-K filings, Heritage has reported quarterly financial results, described in attached press releases, and disclosed corporate developments such as changes to its board of directors and the entry into an Amended and Restated Credit Agreement. These filings outline key items like net income, premiums earned, loss and expense ratios, combined ratios, and the rationale behind strategic profitability initiatives focused on rate adequacy, underwriting discipline and exposure management.
Heritage’s filings also describe its capital structure and credit facilities. For example, the company has detailed an amended and restated senior secured credit agreement that increases the size of its credit facilities, extends maturities, adjusts loan margins and provides a delayed draw term loan for specified permitted acquisitions and investments. Related disclosures explain how proceeds were used to refinance prior debt and how financial covenants are structured.
As a property and casualty insurer operating in catastrophe-exposed geographies, Heritage’s annual and quarterly reports typically discuss reinsurance programs, catastrophe exposure and risk management. Investors reviewing these filings can see how the company structures its catastrophe excess-of-loss reinsurance, including indemnity-based coverage and the use of catastrophe bonds through Citrus Re Ltd., as well as the role of its affiliate captive reinsurer, Osprey Re.
On Stock Titan, AI-powered tools summarize complex sections of Heritage’s filings, helping users interpret technical topics such as reinsurance arrangements, leverage and liquidity, and underwriting performance metrics. Real-time updates from EDGAR allow users to monitor new 10-K, 10-Q and 8-K submissions, as well as insider-related filings like Form 4 when available, all in a single, organized view.
Heritage Insurance Holdings, Inc. (HRTG) CEO Ernie J. Garateix reported open-market stock sales. On January 20, 2026, he sold 8,234 shares of common stock at a weighted-average price of $26.02 per share and an additional 100 shares at $26.67 per share. These transactions were executed under a pre-arranged Rule 10b5-1 trading plan that was adopted on June 13, 2025, which is designed to allow insiders to sell shares according to a set schedule. After these sales, Garateix directly owned 1,128,504 shares of Heritage Insurance common stock.
A shareholder of HRTG has filed a Form 144 to sell common stock. The notice covers 7467 common shares to be sold through Morgan Stanley Smith Barney LLC, with an aggregate market value of 195038.04. The shares relate to restricted stock units acquired from the issuer on 11/14/2016, matching the 7467-share amount.
The filing notes that 30911435 shares of common stock were outstanding and lists the NYSE as the exchange, with an approximate sale date of 01/20/2026. It also details recent sales over the prior three months by Ernesto Garateix and related 10b5-1 plans, including multiple transactions in November and December 2025 with stated gross proceeds. The signer represents they do not know of any undisclosed material adverse information about the issuer.
A shareholder has filed a Form 144 notice to sell 867 shares of common stock through Morgan Stanley Smith Barney LLC, with an indicated aggregate market value of $22,646.04. The company had 30,911,435 shares outstanding of this class at the time stated, and the sale is expected to occur around 01/20/2026 on the NYSE.
The 867 shares to be sold were acquired on 03/15/2013 in an open market purchase from the issuer for cash. Over the prior three months, the same seller names, including Ernesto Garateix (sometimes in 10b5-1 arrangements with Yvette Garateix), reported multiple sales of common stock, such as 10,000 shares sold on 11/11/2025 for $290,976.00 and 7,467 shares sold on 12/22/2025 for $220,118.95.
Heritage Insurance Holdings CEO and director Ernie J. Garateix reported a planned stock sale under a Rule 10b5-1 trading plan. On 12/22/2025, he sold 8,334 shares of Heritage Insurance Holdings, Inc. common stock at a weighted average price of $29.4779 per share, in transactions with individual prices ranging from $29.05 to $29.89. After this sale, he beneficially owned 1,136,838 shares directly. The filing notes that these sales were effected pursuant to a Rule 10b5-1 trading plan previously adopted on June 13, 2025, which is designed to allow pre-arranged trading of shares.
HRTG investor Ernesto Garateix filed a Form 144 notice covering the proposed sale of 867 common shares through Morgan Stanley Smith Barney LLC on the NYSE, with an aggregate market value of $25,108.32. The notice lists 30,911,435 common shares outstanding and targets an approximate sale date of 12/22/2025.
The 867 shares to be sold were originally acquired on 03/15/2013 in an open-market cash purchase from the issuer. The filing also discloses multiple sales of HRTG common stock over the past three months, including 10,000 shares sold on 11/11/2025 for $290,976.00 and several trades identified as Rule 10b5-1 sales for Ernesto and Yvette Garateix.
An HRTG affiliate filed a notice of proposed insider sales under Rule 144. The filing covers 7,467 shares of common stock to be sold through Morgan Stanley Smith Barney LLC, with an indicated aggregate market value of $216,244.32. The shares relate to restricted stock units acquired on 11/14/2016, and the approximate sale date is listed as 12/22/2025 on the NYSE, where 30,911,435 shares of this class are outstanding. The notice also lists multiple sales of common stock over the past three months, including a transaction of 10,000 shares on 11/11/2025 for $290,976.00 and other Rule 10b5-1 plan sales. By signing, the seller represents they are not aware of undisclosed material adverse information about the issuer.
Heritage Insurance Holdings, Inc. reported an insider equity transaction by Timothy E. Johns, President of Zephyr Insurance Company. On December 15, 2025, 2,112 shares of Heritage common stock were withheld at a price of $29.57 per share to satisfy tax liabilities arising from the vesting of previously awarded restricted stock. Following this tax withholding, Johns directly beneficially owned 36,927 shares of Heritage common stock.
Heritage Insurance Holdings, Inc. reported an insider equity transaction by officer Timothy Moura. On 12/15/2025, 9,516 shares of common stock were disposed of at $29.57 per share under transaction code F, which the company explains represents shares withheld to satisfy tax liabilities upon the vesting of previously awarded restricted stock. Following this withholding, Moura beneficially owns 266,618 shares of Heritage common stock in direct form.
Heritage Insurance Holdings, Inc. Chief Financial Officer Kirk Lusk reported an insider equity transaction. On 12/15/2025, 18,112 shares of common stock were disposed of in a transaction coded "F" at a price of $29.57 per share. The company notes this represents shares withheld to satisfy tax liability upon the vesting of previously awarded restricted stock.
Following this tax-withholding event, Lusk directly beneficially owns 532,313 shares of Heritage Insurance common stock. The filing reflects a routine adjustment related to equity compensation rather than an open-market trade.
Heritage Insurance Holdings, Inc. reported an insider equity transaction by its Chief Executive Officer and director, Ernie J. Garateix. On 12/15/2025, he had 40,634 shares of common stock disposed of at $29.57 per share under transaction code "F," which the filing explains represents shares withheld to satisfy tax liability on the vesting of previously awarded restricted stock.
Following this tax-withholding transaction, Garateix beneficially owns 1,145,172 shares of Heritage Insurance common stock in direct ownership.