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. officer Timothy Moura reported acquiring company stock through two equity awards. He received 4,337 shares of restricted stock, which vest in three equal installments on December 15, 2026, 2027, and 2028. He was also granted 16,262 shares of performance-based restricted stock with a performance period from January 1, 2026 to December 31, 2028, vesting after that period but no later than March 30, 2029. The final number of performance-based shares earned can decrease depending on the company’s performance against the stated condition.
Heritage Insurance Holdings, Inc. reported that Chief Executive Officer Ernie J. Garateix acquired company stock through equity awards, not open-market purchases. He received 25,960 shares of restricted stock at a price of $0.00 per share and 81,125 shares of performance-based restricted stock, also at $0.00 per share.
The 25,960 restricted shares vest in three equal time-based installments on December 15, 2026, December 15, 2027, and December 15, 2028. The 81,125 performance-based restricted shares have a three-year performance period from January 1, 2026 through December 31, 2028 and will vest after that period, no later than March 30, 2029, with the final number of shares earned subject to decrease based on performance results.
Lusk Kirk reported acquisition or exercise transactions in this Form 4 filing.
Heritage Insurance Holdings Chief Financial Officer Kirk Lusk reported two stock awards. He received 15,271 shares of restricted common stock that vest in three equal installments in 2026, 2027, and 2028. He was also granted 27,487 shares of performance-based restricted stock tied to a three-year performance period through 2028, which will vest after the period ends and may be reduced depending on performance results.
JOHNS TIMOTHY E reported acquisition or exercise transactions in this Form 4 filing.
Heritage Insurance Holdings, Inc. reported that officer Timothy E. Johns received equity awards in the form of common stock. On March 5, 2026, he was granted 764 shares of restricted stock that vest in three installments through December 15, 2028, and 1,835 shares of performance-based restricted stock tied to a performance period from January 1, 2026 to December 31, 2028. The performance-based shares will vest after the performance period, no later than March 30, 2029, and the final number of shares earned can be reduced based on performance results. Following these grants, his directly held common stock increased to 39,526 shares.
Heritage Insurance Holdings, Inc. reported a sharp improvement in profitability for the fourth quarter and full year 2025. Fourth quarter net income rose to $66.7 million, or $2.15 per diluted share, up from $20.3 million, or $0.66, a year earlier, as higher net premiums earned and investment income combined with much lower losses and expenses.
For 2025, net income increased to $195.6 million, or $6.32 per diluted share, compared with $61.5 million, or $2.01, in 2024, despite $31.8 million of wildfire losses. The net combined ratio improved to 62.0% in the quarter from 89.7%, reflecting a lower loss ratio of 31.3% and a lower expense ratio of 30.7%.
Book value per share rose to $16.39 at December 31, 2025, up from $9.50, supported by strong earnings and a reduction in unrealized losses on fixed income securities as interest rates fell. The company kept its quarterly dividend suspended but repurchased shares, including 106,135 shares for $2.3 million in 2025 and 112,858 shares for $3.0 million in early 2026 under a new $25.0 million authorization.
Heritage Insurance Holdings Chief Executive Officer Ernie J. Garateix sold a total of 8,334 shares of common stock in open-market transactions on February 20, 2026, at prices around $24 per share under a pre-arranged Rule 10b5-1 trading plan. Following these sales, he directly holds 1,120,170 shares.
Heritage Insurance Holdings released preliminary estimates for its fourth quarter 2025 results. The company expects after-tax net income of more than $60 million, or over $2.00 per share, and a full year return on equity above 45%, indicating very strong profitability for 2025.
Management attributes these preliminary results to higher total revenue compared to the prior-year quarter, while both losses and expenses are lower. Heritage plans to report its full fourth quarter and full year 2025 financial results before the market opens on March 9, 2026, followed by an earnings conference call the same day.
HRTG filed a Form 144 reporting proposed sales of common stock under Rule 144 and disclosing recent Section 10b5-1 executed sales by the reporting persons. The filing lists multiple 10b5-1 sale dates and amounts, including 01/20/2026 with 194,342.86 and 22,595.93, and 12/22/2025 with 220,118.95 and 25,549.71.
Ernesto J. Garateix and related accounts reported multiple Regulation 144 sale notices for common stock of the company. The excerpt lists several 10b5-1 and open‑market sales dated between 12/09/2025 and 01/20/2026, including examples of 7,000 shares sold on 12/09/2025 and 7,467 shares sold on 01/20/2026.
Heritage Insurance Holdings, Inc. (HRTG) CEO Ernie J. Garateix reported open-market stock sales. On January 20, 2026, he sold 8,234 shares of common stock at a weighted-average price of $26.02 per share and an additional 100 shares at $26.67 per share. These transactions were executed under a pre-arranged Rule 10b5-1 trading plan that was adopted on June 13, 2025, which is designed to allow insiders to sell shares according to a set schedule. After these sales, Garateix directly owned 1,128,504 shares of Heritage Insurance common stock.