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. reported an insider stock transaction by its chief accounting officer, Sharon Binnun. On 12/15/2025, 4,635 shares of common stock were disposed of at $29.57 per share, recorded as shares withheld to satisfy tax liability on the vesting of previously awarded restricted stock.
After this non-derivative transaction, Binnun directly beneficially owns 171,371 shares of Heritage Insurance common stock.
Heritage Insurance Holdings, Inc. reported that Chief Executive Officer and director Ernie J. Garateix sold common stock in two December 2025 transactions. On December 11, 2025, he sold 6,291 shares at a weighted average price of $28.4238 per share. On December 12, 2025, he sold 1,709 shares at $28.8463 per share. After these sales, he beneficially owned 1,185,806 shares of Heritage common stock. The filing notes that the first price reflects a weighted average for sales executed between $28.25 and $29.00 per share.
Ernesto Garateix has filed a Form 144 notice to sell 1,709 shares of common stock of issuer HRTG through Morgan Stanley Smith Barney LLC, with an aggregate market value of $49,298.33. These shares were acquired on 11/04/2023 as restricted stock vesting under a registered plan, with payment also dated 11/04/2023.
The notice states that 30,911,435 shares of this class of common stock were outstanding when the filing was prepared. Over the past three months, Garateix and related accounts reported multiple open-market sales of HRTG common shares, each with disclosed dates, amounts, and gross proceeds. By signing the notice, the seller represents that he is not aware of any undisclosed material adverse information about the issuer’s current or prospective operations.
Heritage Insurance Holdings, Inc.12/09/2025, he sold 7,000 shares of common stock, reported with a sale code "S," at a weighted average price of
A shareholder of HRTG has filed a notice of proposed sale under Rule 144 for 6,291 shares of common stock. The planned sale is through Morgan Stanley Smith Barney LLC at an aggregate market value of $178,814.00, with an approximate sale date of 12/11/2025 on the NYSE. The issuer had 30,911,435 shares outstanding at the time listed, which is a baseline figure for the company’s equity.
The shares to be sold were acquired on 11/04/2023 through the vesting of restricted stock under a registered plan, with no separate cash payment for the purchase price. The filing also lists multiple sales of the issuer’s common stock during the prior three months by the same holder and related accounts, including a sale of 25,000 shares on 09/15/2025 for gross proceeds of $614,250.00 and several smaller transactions in September, October, November, and December 2025.
Heritage Insurance Holdings (HRTG) insider plans additional stock sales under Rule 144. A holder has filed a notice to sell 7,000 shares of HRTG common stock through Morgan Stanley Smith Barney LLC on the NYSE, with an aggregate market value of $198,537.39. The filing notes that 30,911,435 shares of common stock were outstanding.
The shares to be sold were acquired partly from 3,050 restricted shares that vested on 11/04/2023 under a registered plan and 3,950 shares bought in the open market in November 2024. The filer also reports multiple sales of common stock over the past three months, including 25,000 shares sold on 09/15/2025 for $614,250 and several smaller transactions in September, October, and November 2025.
Heritage Insurance Holdings, Inc. reported an insider stock sale by its Chief Financial Officer, Kirk Lusk. On 12/02/2025, he sold 8,331 shares of the company’s common stock at a weighted average price of $28.2085 per share, with individual sale prices ranging from $28.19 to $28.255. After this transaction, he beneficially owns 550,425 shares directly. This type of filing informs investors about share transactions by key executives, which can be relevant when assessing management’s personal exposure to the company’s stock.
HRTG common stock: A shareholder filed a Form 144 notice to potentially sell 8,331 shares of common stock through Morgan Stanley Smith Barney LLC on the NYSE, with an aggregate market value of $235,005.01. The notice states that 30,911,435 shares of this class were outstanding.
The shares to be sold come from 3,331 restricted shares that vested on 01/02/2019 under a registered plan and 5,000 shares acquired via an open‑market purchase on 05/09/2019 for cash. The seller has also conducted prior sales of HRTG securities in the last three months, including 19,929 shares on 11/05/2025 for gross proceeds of $481,207.61.
Heritage Insurance Holdings, Inc. (HRTG) reported insider stock sales by its Chief Executive Officer and director on a Form 4. On 11/20/2025, the reporting person sold three blocks of common stock: 4,360 shares at a weighted average price of $26.2714, 2,815 shares at $27.4377, and 1,159 shares at $28.2278. All trades were coded as open-market or similar sales and were executed under a pre-arranged Rule 10b5-1 trading plan, which is designed to allow insiders to sell shares according to a preset schedule.
Following these transactions, the CEO beneficially owned 1,200,806 shares of Heritage common stock, held directly. The price ranges for each sale are disclosed through weighted-average notes, and the reporting person has indicated a willingness to provide detailed trade breakdowns upon request to regulators, the issuer, or its shareholders.
Heritage Insurance Holdings (HRTG) director and chairman trade: A reporting person who serves as both a director and chairman of Heritage Insurance Holdings, Inc. reported selling 50,000 shares of common stock on 11/18/2025. The sale was reported at a weighted-average price of $29.4017 per share, with individual sale prices ranging from $29.07 to $29.95 per share. After this transaction, the reporting person beneficially owns 449,047 shares of Heritage common stock in direct form.