Paresh Patel reports 6.86% Exzeo Group (XZO) ownership in Schedule 13G

Rhea-AI Filing Summary

Paresh Patel reports beneficial ownership of 6,572,013 shares of Exzeo Group, Inc. common stock, representing 6.86% of the class. This includes 1,572,013 shares of common stock and 5,000,000 shares underlying options that are currently exercisable.

The ownership percentage is calculated using 90,771,289 shares outstanding, as disclosed by Exzeo Group, Inc., increased by Patel’s 5,000,000 exercisable option shares. Patel has sole voting and dispositive power over all 6,572,013 shares and no shared voting or dispositive power.

Patel has agreed with HCI Group, Inc. not to exercise these options if doing so would cause HCI Group, Inc. to own less than 80.1% of Exzeo’s outstanding common stock. He also certifies the holdings are not for the purpose of changing or influencing control of the company.

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

Exzeo Group, Inc.

(Name of Issuer)

Common Stock

(Title of Class of Securities)

30234F101

(CUSIP Number)

12/31/2025

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

SCHEDULE 13G

CUSIP No. 30234F101

1

Names of Reporting Persons

Paresh Patel

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

UNITED STATES

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 6,572,013.00
6	Shared Voting Power 0.00
7	Sole Dispositive Power 6,572,013.00
8	Shared Dispositive Power 0.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

6,572,013.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

6.86 %

12

Type of Reporting Person (See Instructions)

IN

Comment for Type of Reporting Person: Included in the reported beneficial ownership of the Reporting Person are (i) 1,572,013 shares of common stock and (ii) 5,000,000 shares of common stock underlying options that are currently exercisable. Row 11 represents the percentage of the outstanding shares of common stock held by the Reporting Person based on 90,771,289 shares of common stock issued and outstanding, as reported by the Issuer in its Quarterly Report on Form 10-Q filed with the Securities and Exchange Commission on December 11, 2025, increased by 5,000,000 shares underlying options exercisable within 60 days held by the Reporting Person. The Reporting Person has agreed with HCI Group, Inc. that he will not, without the consent of the board of directors of HCI Group, Inc., exercise such options to the extent that the exercise would cause HCI Group, Inc. to own less than 80.1% of the Issuer's outstanding shares of common stock.

SCHEDULE 13G

Item 1.
(a)	Name of issuer: Exzeo Group, Inc.
(b)	Address of issuer's principal executive offices: 1000 Century Park Drive, Tampa, Florida 33607
Item 2.
(a)	Name of person filing: Paresh Patel
(b)	Address or principal business office or, if none, residence: 1000 Century Park Drive Tampa, Florida 33607
(c)	Citizenship: United States
(d)	Title of class of securities: Common Stock
(e)	CUSIP No.: 30234F101
Item 3.	If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)	Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)	Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)	Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)	Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)	An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)	An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)	A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)	A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)	A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)	A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:
(k)	Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
Item 4.	Ownership
(a)	Amount beneficially owned: 6,572,013
(b)	Percent of class: 6.86 %
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: 6,572,013
	(ii) Shared power to vote or to direct the vote: 0
	(iii) Sole power to dispose or to direct the disposition of: 6,572,013
	(iv) Shared power to dispose or to direct the disposition of: 0
Item 5.	Ownership of 5 Percent or Less of a Class.
	Not Applicable
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	Not Applicable
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	Not Applicable
Item 8.	Identification and Classification of Members of the Group.
	Not Applicable
Item 9.	Notice of Dissolution of Group.
	Not Applicable

Item 10.	Certifications:
	By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

Paresh Patel

Signature:	/s/ Paresh Patel
Name/Title:	Paresh Patel
Date:	02/13/2026

FAQ

How many Exzeo Group (XZO) shares does Paresh Patel beneficially own?

Paresh Patel beneficially owns 6,572,013 shares of Exzeo Group common stock. This total consists of 1,572,013 actual shares plus 5,000,000 shares underlying stock options that are currently exercisable within 60 days, over which he has sole voting and dispositive power.

What percentage of Exzeo Group (XZO) does Paresh Patel own according to this Schedule 13G?

Paresh Patel’s beneficial ownership represents 6.86% of Exzeo Group’s common stock. This percentage is based on 90,771,289 shares outstanding, as reported by the company, plus his 5,000,000 exercisable option shares, reflecting both current holdings and near-term exercisable rights.

How is Paresh Patel’s Exzeo Group (XZO) ownership structured between shares and options?

His ownership includes 1,572,013 shares of Exzeo Group common stock and 5,000,000 shares underlying currently exercisable options. All 6,572,013 shares are reported as having sole voting and sole dispositive power, with no shares reported under shared control with any other party.

What restriction affects Paresh Patel’s option exercises in Exzeo Group (XZO)?

Patel agreed with HCI Group, Inc. not to exercise his Exzeo options if doing so would cause HCI Group, Inc. to own less than 80.1% of Exzeo’s outstanding common stock. This agreement places a specific ownership threshold constraint on exercising his 5,000,000 option shares.

Is Paresh Patel’s Exzeo Group (XZO) stake intended to influence control of the company?

He certifies that his Exzeo Group securities were not acquired and are not held to change or influence control of the issuer. The holdings are reported on a Schedule 13G, which is typically used for passive investors rather than for control-seeking positions.

What voting and dispositive powers does Paresh Patel have over Exzeo Group (XZO) shares?

Patel reports sole voting power over 6,572,013 Exzeo shares and sole dispositive power over the same amount. He reports zero shared voting power and zero shared dispositive power, indicating that no other person is listed as sharing control over these securities.