[Form 4] Heritage Insurance Holdings, Inc. Insider Trading Activity

Rhea-AI Filing Summary

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 10/03/2025. The weighted-average price for the shares sold was $24.16, with individual sale prices ranging from $24.00 to $24.28. After the reported transaction, the reporting person beneficially owned 578,756 shares. The filing also indicates the transaction was conducted under a pre-established plan intended to satisfy the Rule 10b5-1 affirmative defense, and the Form 4 was signed on 10/07/2025.

Positive

• Transaction executed under a 10b5-1 plan, indicating pre-established trading instructions
• Reporting person retains substantial ownership at 578,756 shares after the sale

Negative

• Insider sale of 6,803 shares which modestly reduces insider holdings

Insights

Corporate Governance Analyst

Insider sale under a 10b5-1 plan but substantial continuing ownership.

The CFO executed a small, specified sale of 6,803 shares at a weighted-average of $24.16 on 10/03/2025, reducing holdings to 578,756 shares. The checked 10b5-1 box indicates the sale was likely pre-planned which supports procedural compliance and reduces concerns about opportunistic timing.

Key dependencies include whether the plan was established while the filer lacked material nonpublic information; that timing detail is not disclosed here. Monitor future Form 4s for additional plan-based trades or changes in ownership in the next 30-90 days.

Equity Capital Markets Specialist

The transaction size is modest relative to total holdings; limited market impact.

A sale of 6,803 shares at roughly $24.16 is a routine insider disposition and, given the remaining beneficial ownership of 578,756 shares, is unlikely to be materially dilutive or signal major change in insider conviction.

Investors may watch whether further scheduled disposals under the same plan occur; absent larger or repeated sales, market-impact risk is low over the near term.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

X

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Lusk Kirk

(Last) (First) (Middle)

C/O HERITAGE INSURANCE HOLDINGS, INC.

1401 N. WESTSHORE BLVD

(Street)

TAMPA FL 33607

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Heritage Insurance Holdings, Inc. [ HRTG ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Financial Officer

3. Date of Earliest Transaction (Month/Day/Year)
10/03/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	10/03/2025		S		6,803	D	$24.16(1)	578,756	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Represents the weighted average of the shares sold. The prices of the shares sold pursuant to the transaction ranges from $24.00 to $24.28 per share. The Reporting Person, upon request, will provide the Securities and Exchange Commission staff, the issuer or a security holder of the issuer full information regarding the number of shares sold at each separate price.

Remarks:

	/s/ Kirk Lusk	10/07/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What transaction did Heritage Insurance (HRTG) CFO Kirk Lusk report?

Kirk Lusk reported selling 6,803 shares of common stock on 10/03/2025 at a weighted-average price of $24.16.

Did the Form 4 indicate the sale was part of an automatic plan for HRTG insiders?

Yes. The filing includes a checked box indicating the transaction was made pursuant to a plan intended to meet the Rule 10b5-1 affirmative defense.

How many shares does the CFO own after the reported sale?

578,756 shares of Heritage Insurance common stock are reported as beneficially owned following the transaction.

What price range was disclosed for the shares sold in the Form 4?

The shares sold ranged in price from $24.00 to $24.28; the weighted-average price was $24.16.

When was the Form 4 signed and filed?

The signature date on the Form 4 is 10/07/2025, reporting the transaction dated 10/03/2025.