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.
HRTG insider Ernesto Garateix filed a Form 144 notice to sell 7,467 shares of common stock. The planned sale, through Morgan Stanley Smith Barney LLC on the NYSE, has an aggregate market value of $211,614.78, with 30,911,435 common shares reported outstanding. The shares were acquired as restricted stock units on 11/14/2018 from the issuer, with the same date listed for payment.
Over the past three months, the notice lists several prior sales of HRTG common stock for Garateix and related 10b5-1 plans, including transactions of 25,000 shares on 09/15/2025 for gross proceeds of $615,250.00 and multiple 10,000 and 5,000 share sales in November 2025. The signer represents that they are not aware of undisclosed material adverse information about the issuer’s operations.
Heritage Insurance Holdings, Inc. (HRTG) reported an insider stock sale by its Chief Executive Officer and director, Ernie J. Garateix. On 11/13/2025, he sold 5,000 shares of Heritage common stock in an open market transaction. The filing states a weighted average sale price of $30.7696 per share, with individual sale prices ranging from $30.76 to $30.825 per share.
Following this transaction, Garateix beneficially owns 1,209,140 shares of Heritage common stock, held directly. This Form 4 reflects a routine report of insider trading activity and confirms that the CEO remains a significant shareholder after the sale.
Heritage Insurance Holdings (HRTG) reported insider stock sales by CEO and director Ernie J. Garateix. He sold 10,000 shares of common stock on 11/11/2025 at a weighted average price of $29.0976 (range $29.00–$29.25) and 5,000 shares on 11/12/2025 at $30.39.
Following these transactions, Garateix beneficially owns 1,214,140 shares, held directly.
Heritage Insurance Holdings (HRTG) filed a Form 144 for the proposed sale of 5,000 common shares, with an aggregate market value of $153,850, through Morgan Stanley Smith Barney LLC Executive Financial Services. The approximate sale date is 11/13/2025 on the NYSE.
Context: 30,911,435 shares were outstanding. Recent sales disclosed for the same account include 25,000 shares for $614,250 on 09/15/2025, and two blocks of 5,000 shares for $145,010 (11/11/2025) and $151,950 (11/12/2025).
Heritage Insurance Holdings (HRTG) shareholder filed a Form 144 to sell 5,000 common shares, with an aggregate market value of $151,950, using Morgan Stanley Smith Barney LLC. The filing lists an approximate sale date of 11/12/2025 on the NYSE.
The filer reports prior 3‑month sales: 25,000 shares on 09/15/2025 for $614,250, and 5,000 shares on 11/11/2025 for $145,010.
The 5,000 shares to be sold were acquired on 11/04/2023 through restricted stock vesting under a registered plan.
A shareholder filed a Form 144 notice to sell up to 5,000 shares of HRTG common stock. The filing lists an aggregate market value of $145,010 and an approximate sale date of November 11, 2025. The proposed broker is Morgan Stanley Smith Barney LLC, and the shares are listed on the NYSE.
The 5,000 shares were acquired on May 15, 2014 via an open market purchase paid in cash. Shares outstanding were 30,911,435. In the past three months, a separate sale by Ernesto J Garateix on September 15, 2025 totaled 25,000 shares with gross proceeds of $614,250.
A Form 144 notice related to HRTG common stock states a proposed sale of 5,000 shares with an aggregate market value of $145,010. The filing lists Morgan Stanley Smith Barney LLC as broker, an approximate sale date of 11/12/2025, and the NYSE as the exchange.
The shares were acquired on 11/04/2023 through restricted stock vesting under a registered plan from the issuer. The notice reports 30,911,435 shares outstanding. It also discloses a sale during the past three months: on 09/15/2025, 25,000 shares of common stock were sold for $614,250 by Ernesto J Garateix.
Heritage Insurance Holdings (HRTG) reported strong Q3 2025 results. Total revenues were $212.5 million versus $211.8 million a year ago, while operating income rose to $70.2 million from $11.7 million. Net income increased to $50.4 million, up from $8.2 million, with diluted EPS of $1.63 versus $0.27.
For the first nine months, total revenues were $632.0 million versus $606.7 million, and net income reached $128.9 million compared with $41.2 million, with diluted EPS of $4.17 versus $1.35. Losses and loss adjustment expenses fell to $74.8 million in Q3 from $130.0 million, and interest expense declined to $1.9 million from $2.8 million.
The balance sheet showed cash and cash equivalents of $560.4 million (up from $452.7 million at year-end), stockholders’ equity of $437.3 million (up from $290.8 million), and unpaid losses of $649.6 million (down from $1,042.7 million). The company recorded a ~$2.7 million gain from a real estate sale and received an $11.0 million promissory note at 7% interest. The 2025–2026 reinsurance program includes FHCF participation at 90.0% and first-event coverage up to $1.6 billion for Heritage P&C, $1.1 billion for NBIC, and $865.0 million for Zephyr.
Heritage Insurance (HRTG) disclosed insider sales by CFO Kirk Lusk. He sold a total of 20,000 shares across two transactions: 71 shares at $24.00 on 11/04/2025 and 19,929 shares at a weighted average price of $24.1764 on 11/05/2025, with sale prices ranging from $24.00 to $24.54. The filing states the trades were made pursuant to a previously adopted Rule 10b5-1 trading plan.
Following these transactions, Lusk held 558,756 shares directly.
Heritage Insurance Holdings, Inc. (HRTG) furnished an update on November 5, 2025, announcing it issued a press release with financial results for the fiscal quarter ended September 30, 2025.
The information was provided under Item 2.02 of a Form 8-K and includes Exhibit 99.1, which contains the full press release. The company notes this material is furnished, not filed, under the Exchange Act unless specifically incorporated by reference.