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.
When a single hurricane can reshape Heritage Insurance Holdings Inc.’s balance sheet overnight, investors can’t afford to miss a line of disclosure. Yet the company’s 250-page 10-K, dozens of 8-Ks on storm events, and web of reinsurance exhibits make finding the right numbers a challenge.
Stock Titan’s AI-powered analysis solves that problem. Open any filing—annual report, quarterly earnings report 10-Q filing, or that all-important 8-K material events explained—and our platform highlights loss-ratio swings, reinsurance costs, and county-level exposure in plain English. Need to track Heritage Insurance Holdings insider trading Form 4 transactions? We stream Form 4 insider transactions real-time, flagging executive stock transactions Form 4 alongside contextual AI notes on storm season timing.
All SEC documents are here the moment they hit EDGAR: proxy statement executive compensation details, detailed catastrophe bond tables inside the 10-K, and every Heritage Insurance Holdings quarterly earnings report with AI commentary on premiums-earned trends. Use the search bar the way you’d ask a colleague—“understanding Heritage Insurance SEC documents with AI” or “Heritage Insurance earnings report filing analysis”—and jump straight to the answer. Our coverage spans:
- Annual report 10-K simplified—including reinsurance layering explanations
- Heritage Insurance 8-K hurricane loss updates in minutes
- Real-time alerts on Heritage Insurance Holdings Form 4 insider transactions
- Proxy statement executive compensation breakdowns
No more scanning hundreds of pages; our expert analysis distills what matters so you can compare combined ratios, monitor capital adequacy, and react quickly to storm-season disclosures.
Heritage Insurance Holdings, Inc. (HRTG) filed a Form 144 reporting a proposed sale of 25,000 common shares through Morgan Stanley Smith Barney LLC. The filing lists an aggregate market value of $614,250 and shows approximately 31,017,570 shares outstanding, indicating the proposed sale represents about 0.08% of the outstanding common stock. The shares were acquired on 11/04/2023 through restricted stock vesting under a registered plan and payment was recorded as of that date. The filing indicates an approximate sale date of 09/15/2025 on the NYSE and states there were no other securities sold by the reporter in the past three months. The notice includes the seller's certification that they are unaware of undisclosed material adverse information about the issuer.
The filer notifies a proposed sale of 20,000 shares of common stock of Heritage Insurance Holdings, Inc. (HRTG) via Morgan Stanley Smith Barney LLC on 09/12/2025. The filing lists an aggregate market value of $477,600 and reports 31,017,570 shares outstanding. The securities were acquired as Restricted Stock Units on 11/30/2017 from the issuer, and no sales by the reporting person were reported in the past three months. The filing includes the standard representation that the seller does not possess undisclosed material adverse information.
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.
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