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 filed an amended annual report mainly to add the signing date of its independent auditor’s opinion, with 2025 financial statements otherwise unchanged. The auditor issued unqualified opinions on both the financial statements and internal control over financial reporting.
For 2025, Heritage generated net income of $195.6 million on total revenues of $847.3 million, up from net income of $61.5 million in 2024. Net premiums earned reached $794.2 million, while losses and loss adjustment expenses fell to $313.2 million. Earnings per diluted share rose to $6.32. Cash, cash equivalents and restricted cash increased to $572.6 million, and stockholders’ equity grew to $505.3 million as of December 31, 2025.
Heritage Insurance Holdings, Inc. officer Timothy E. Johns reported a tax-withholding disposition related to restricted stock vesting. On the vesting of previously awarded performance-based restricted shares, 10,588 shares of common stock were withheld at a value of $28.14 per share to satisfy tax liabilities. After this non-market transaction, he directly holds 28,938 shares of common stock. This event reflects routine tax settlement rather than an open-market sale or discretionary trade.
Heritage Insurance Holdings Chief Financial Officer Kirk Lusk reported a routine tax-withholding transaction related to equity compensation. The company withheld 72,549 shares of common stock at $28.14 per share to satisfy tax liabilities on the vesting of previously awarded performance-based restricted stock. After this non‑market disposition, Lusk directly holds 502,522 shares of Heritage Insurance common stock.
Heritage Insurance Holdings officer Timothy Moura reported a routine tax-related share disposition. On the vesting of previously awarded performance-based restricted stock, 47,549 shares of common stock were withheld at $28.14 per share to satisfy tax liabilities. After this withholding, Moura directly holds 239,668 common shares, so the filing reflects compensation-related tax treatment rather than an open-market stock sale.
Heritage Insurance Holdings, Inc. Chief Accounting Officer Sharon Binnun reported a routine tax-related share disposition. On the vesting of previously awarded performance-based restricted stock, 36,274 shares of common stock were withheld at $28.14 per share to satisfy tax liabilities. This was not an open-market sale. After this withholding, Binnun directly holds 150,281 shares of Heritage Insurance common stock, indicating she retains a substantial equity position in the company.
Heritage Insurance Holdings, Inc. Chief Executive Officer Ernie J. Garateix reported a tax-related share disposition tied to equity compensation. On the reported date, 149,632 shares of common stock were withheld at a price of $28.14 per share to cover tax obligations.
The footnote explains these shares were withheld upon vesting of previously awarded performance-based restricted stock, rather than sold in the open market. After this withholding, Garateix directly holds 1,077,623 shares of Heritage common stock, indicating he retains a substantial equity position.
Heritage Insurance Holdings reports its 2025 annual results and business overview as a super‑regional property and casualty insurer focused on personal and commercial residential lines. As of December 31, 2025, it had 357,275 policies in force and $1.4 billion of annualized premium.
For 2025, Heritage recorded $1.4 billion of gross premiums written, operating income of $267.2 million, total assets of $2.2 billion and stockholders’ equity of $505.3 million. The company relies heavily on reinsurance, including a $3.75 billion catastrophe program for the June 1, 2025–May 31, 2026 period.
The filing highlights concentration in coastal states, exposure to hurricanes, wildfires and other catastrophes, dependence on independent agents and reinsurers, extensive insurance regulation, investment risk, and the importance of maintaining strong financial strength ratings and sufficient capital and human talent.
Binnun Sharon reported acquisition or exercise transactions in this Form 4 filing.
Heritage Insurance Holdings Chief Accounting Officer Sharon Binnun received equity awards of company common stock. She was granted 3,037 shares of restricted stock that vest in three equal annual installments on December 15, 2026, December 15, 2027, and December 15, 2028.
She also received 12,147 shares of performance-based restricted stock with a three-year performance period from January 1, 2026 through December 31, 2028, vesting after the performance period but no later than March 30, 2029. The final number of performance shares earned can decrease based on performance results.