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 insider sale disclosed on Form 4. Ernie J. Garateix, CEO and director, reported two open-market sales on 09/22/2025 totaling 8,334 shares for aggregate proceeds at weighted-average prices of $27.08 and $28.33. After the transactions he beneficially owns 1,237,474 shares. The filing includes price ranges for the lots sold: $26.78–$27.27 and $28.22–$28.36, and the report is signed 09/24/2025.
Heritage Insurance Holdings (HRTG) filing a Rule 144 notice shows a proposed sale of 867 common shares through Morgan Stanley Smith Barney with an aggregate market value of $24,622.80, scheduled for 09/22/2025. The filer reports acquiring these shares in the open market on 03/15/2013. The filing also discloses a prior sale by the same account of 25,000 shares on 09/15/2025 that generated gross proceeds of $615,250.00. The form includes the required representation that the seller is not aware of undisclosed material adverse information and notes compliance with Rule 10b5-1 procedures if applicable.
Heritage Insurance Holdings, Inc. (HRTG) filed a Form 144 notice reporting a proposed sale of 7,467 common shares with an aggregate market value of $212,062.80, expected to be sold on 09/22/2025 through Morgan Stanley Smith Barney LLC on the NYSE. These shares were acquired as restricted stock units on 11/14/2017.
The filing also discloses that Ernesto Garateix sold 25,000 common shares on 09/15/2025 for $615,250.00. The filer affirms they are not aware of undisclosed material adverse information and includes the standard Rule 10b5-1/intent representation language.
Richard A. Widdicombe, a director and chairman of Heritage Insurance Holdings, Inc. (HRTG), reported two stock sale transactions on 09/16/2025 totaling 100,000 shares sold. The filing shows 57,138 shares sold at a weighted-average price of $23.88 (individual prices ranged $23.40–$24.39) and 42,862 shares sold at a weighted-average price of $24.52 (individual prices ranged $24.44–$24.64). Following the reported sales, the Form 4 lists beneficial ownership amounts of 641,909 shares and 599,047 shares respectively. The Form 4 is signed by Mr. Widdicombe on 09/18/2025.
Heritage Insurance Holdings (HRTG) Chief Executive Officer and Director Ernie J. Garateix reported a sale of common stock on 09/15/2025. The filing shows 25,000 shares were sold under transaction code S at a weighted average price of $24.61 per share, with individual sale prices ranging from $24.13 to $24.91. After the sale the reporting person beneficially owns 1,245,808 shares, held directly. The form is a routine Section 16 report documenting an insider disposition and includes an offer to provide exact per-price quantities on request.
Kirk Lusk, Chief Financial Officer of Heritage Insurance Holdings, Inc. (HRTG), reported a sale of company stock. On 09/12/2025 Mr. Lusk sold 20,000 shares of common stock for a weighted-average price of $24.17 per share, with individual sale prices ranging from $24.00 to $24.45. Following the transaction he beneficially owned 598,756 shares, reported as direct ownership.
The filing indicates the transaction was made pursuant to a written plan intended to satisfy Rule 10b5-1 conditions. The form is signed and dated 09/16/2025 and includes an offer to provide a breakdown of shares sold at each price upon request.
Heritage Insurance Holdings, Inc. (HRTG) notice reports a proposed sale of 250,000 common shares through Morgan Stanley Smith Barney LLC on the NYSE, with an aggregate market value of $6,022,500.00 and approximately 31,017,570 shares outstanding. The filing lists the acquisition history for the shares being sold: 135,338 shares were founders' shares acquired 12/15/2012 and 114,662 were purchased on the open market 05/23/2014 for cash. The filer indicates no securities sold in the past three months and attests they possess no undisclosed material adverse information. The notice sets the approximate sale date as 09/16/2025.
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.