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 reported stronger results for the quarter ended March 31, 2026. Net income was $36.5M, compared with $30.5M in the prior-year quarter, and basic and diluted earnings per share were $1.19.
Total revenues were $212.7M, driven mainly by net premiums earned of $199.7M and net investment income of $9.9M. Losses and loss adjustment expenses fell to $91.6M, reflecting favorable prior-year development and legislative reforms, while operating income increased to $50.8M.
The balance sheet showed total assets of $2.02B and stockholders’ equity of $520.4M. Cash, cash equivalents and restricted cash totaled $533.3M, and long-term debt was $77.6M. Heritage also repurchased 370,484 shares for $10.0M during the quarter, and insurance subsidiaries remained in compliance with regulatory capital and risk-based capital requirements.
Heritage Insurance Holdings reported record first-quarter 2026 net income of $36.5M, up 19.7%, with diluted EPS of $1.19 rising 20.2% from the prior-year quarter. Total revenue was $212.7M, essentially flat year over year, while underwriting profitability improved.
The net loss ratio fell to 45.9% and the combined ratio improved to 81.0%, reflecting stronger underwriting results. Book value per share increased to $17.15, up 4.6% from year-end 2025 and 61.5% from the first quarter of 2025, and return on average equity was 28.5%.
Operating cash flow was $24.9M. The company repurchased 446,484 shares for $12.0M year-to-date and its board authorized a new $50.0M share repurchase plan through December 31, 2026, while continuing the suspension of the quarterly dividend to prioritize strategic growth initiatives and product and geographic expansion.
Heritage Insurance Holdings, Inc. Chief Accounting Officer Sharon Binnun reported an open-market sale of 9,200 shares of common stock at a weighted average price of $28.9949 per share. The sale was made under a pre-arranged Rule 10b5-1 trading plan adopted on December 12, 2025.
After this transaction, Binnun directly holds 123,988 shares of Heritage Insurance common stock. The filing notes that individual sale prices ranged from $28.72 to $29.50 per share, and detailed breakdowns are available upon request to the company, a security holder, or the SEC staff.
Sharon Binnun reported sales of HRTG common stock under a 10b5-1 plan. The filing shows 9,200 shares sold on 04/01/2026 for $236,589.04 and 7,893 shares sold on 03/17/2026 for $223,750.76. The record also lists 9,200 Restricted Stock Awards dated 03/12/2026.
Heritage Insurance Holdings, Inc. is asking stockholders to vote at its June 10, 2026 hybrid annual meeting, held in person in Tampa and via live webcast. Holders of common stock as of April 16, 2026, when 30,349,925 shares were outstanding, are entitled to one vote per share.
Stockholders will elect six directors to one-year terms, ratify Plante & Moran, PLLC as independent auditor for 2026, approve on an advisory basis the compensation of named executive officers, and choose how often (one, two, or three years) to hold future advisory pay votes, with the Board recommending annual frequency.
The proxy describes a board that is majority independent, with fully independent committees and an independent chairman. Executive pay mixes salary, annual incentives and equity. In 2025, CEO Ernie Garateix received total compensation of $5.34 million, and performance-based awards were influenced by strong three-year adjusted book value growth and total shareholder return.
Heritage Insurance Holdings, Inc. Chief Executive Officer Ernie J. Garateix reported two open-market sales of company common stock totaling 8,334 shares on April 20, 2026. The trades, executed at weighted average prices of $27.5245 and $28.4032 per share, were carried out under a pre-established Rule 10b5-1 trading plan adopted on June 13, 2025.
HRTG insider reported securities sales under a Rule 10b5-1 plan. The filing lists multiple 10b5-1 sales executed on 02/20/2026 and 03/20/2026 with reported proceeds including $180,122.71 and $189,568.46. The sales are of Restricted Stock Units converted to common stock.
HRTG (Form 144) Notice of proposed and recent Rule 144 sales of Common stock by holders associated with Ernesto J. Garateix and Ernesto Garateix & Yvette Garateix. The excerpt lists 10b5-1 programmed sales on 02/20/2026 and 03/20/2026, showing transactions of 7,467 and 867 shares with proceeds of $180,122.71, $20914.21, $189,568.46, and $22,010.96.
Heritage Insurance Holdings, Inc. officer Timothy Moura sold 50,490 shares of Common Stock in open‑market trades. The sales occurred on April 1 and 2, 2026 at weighted average prices of $25.7762, $26.2106, $25.1341, and $26.0788 per share.
The transactions were made under a previously adopted Rule 10b5-1 trading plan dated November 25, 2025. Following these sales, Moura directly holds 160,045 shares of Heritage Insurance common stock.