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.
Heritage Insurance Holdings, Inc. filings document the formal disclosure record for a super-regional property and casualty insurance holding company whose common stock trades on the New York Stock Exchange under HRTG. Recent Form 8-K filings furnish quarterly and annual results, preliminary financial updates, Regulation FD conference disclosures, material agreements and board changes.
The definitive proxy statement covers annual meeting matters, director governance and stockholder voting. Capital-structure disclosures include an amended and restated credit agreement with revolving, term-loan and delayed-draw term-loan facilities, alongside registered common stock information shown on periodic 8-K cover pages.
Sharon Binnun, Chief Accounting Officer of Heritage Insurance Holdings, Inc. (HRTG), reported a sale of 21,000 shares of Common Stock on 09/05/2025 at a price of $24.47 per share. After the transaction she beneficially owned 176,006 shares on a direct basis. The Form 4 is signed and dated 09/09/2025.
Paul L. Whiting, a director of Heritage Insurance Holdings, Inc. (HRTG), purchased 2,500 shares of the company's common stock at $20.499 per share on 08/08/2025, increasing his reported direct holdings to 87,126 shares.
In addition to the direct stake, the filing reports indirect holdings of 40,871 shares held by Whiting Family, LLC and 20,000 shares held by Paul & Gail Whiting Investments Limited; the reporting person states he controls those entities but disclaims beneficial ownership except to the extent of his pecuniary interest.
Heritage Insurance Holdings (HRTG) delivered sharply stronger results for Q2-25. Net premiums earned rose 3% to $196.3 mn while the loss & LAE expense fell 29% to $75.6 mn, driving total expenses down 19% to $143.2 mn. Operating income surged to $64.9 mn (vs $27.6 mn) and net income climbed to $48.0 mn (vs $18.9 mn), equal to diluted EPS of $1.55 (vs $0.61). First-half net income reached $78.5 mn, more than double the prior-year period.
Underwriting profitability improved materially. Q2 combined ratio compressed to ~73% from ~92%, reflecting lower catastrophe and attritional losses as well as higher ceding-commission offsets. Net investment income declined 8% to $9.0 mn, but was more than offset by underwriting gains.
Balance-sheet metrics strengthened. Book value rose 32% YTD to $383.3 mn, or $12.36/share. Cash & equivalents increased to $473.5 mn, while long-term debt was reduced to $92.4 mn (-21%). Unpaid losses dropped to $713.2 mn from $1.04 bn, aided by $216 mn of reinsurance recoveries. Prepaid reinsurance premiums expanded to $530.3 mn ahead of the 2025-26 catastrophe program.
The company remains a single reportable segment focused on residential property insurance and notes no material impact expected from the recently enacted One Big Beautiful Bill Act. Management adopted new income-tax disclosure standards and continues heavy investment ($3.6 mn YTD) in its policy-billing-claims technology platform, targeted for completion by end-2026.