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.
Heritage Insurance Holdings, Inc. Chief Accounting Officer Sharon Binnun reported an open-market sale of 7,893 shares of common stock on March 17, 2026 at a weighted average price of $28.348 per share, with individual sale prices ranging from $28.065 to $28.85 per share.
The transactions were executed under a pre-established Rule 10b5-1 trading plan adopted on December 12, 2025, indicating the sales were pre-planned. Following this sale, Binnun directly holds 142,388 shares of Heritage Insurance common stock, suggesting the transaction represents a relatively small portion of her total reported holdings.
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.