Heritage Insurance Holdings, Inc.
Heritage Insurance Holdings, Inc. (NASDAQ: HRTG) operates as a super-regional property and casualty insurance holding company providing personal and commercial residential insurance through its vertically integrated subsidiaries. The company's website is investors.heritagepci.com. From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What Heritage Insurance Holdings, Inc. does
In the company’s own words
Heritage Insurance Holdings, Inc. (NASDAQ: HRTG) operates as a super-regional property and casualty insurance holding company providing personal and commercial residential insurance through its vertically integrated subsidiaries. The company's website is investors.heritagepci.com.
The company's primary insurance operations are conducted through three main subsidiaries: Heritage Property & Casualty Insurance Company, which provides personal and commercial residential property insurance along with commercial general liability coverage; Narragansett Bay Insurance Company, which offers personal and commercial residential property insurance; and Zephyr Insurance Company, which specializes in personal and commercial residential and wind-only property insurance in Hawaii. Heritage also operates Osprey Re Ltd., a captive reinsurance subsidiary, Heritage MGA LLC as a managing general agent, and Contractors' Alliance Network LLC, which manages the company's vendor network for claims services.
As of December 31, 2025, Heritage maintained 357,275 policies in force representing $1.4 billion in annualized premium, comprising 345,121 personal residential policies, 3,059 commercial residential policies, and 9,095 commercial general liability policies. The company generated gross premiums written of $1.4 billion and operating income of $267.2 million for the year ended December 31, 2025, with total assets of $2.2 billion and stockholders' equity of $505.3 million.
Heritage distributes its products through a network of more than 2,500 independent agents across fourteen eastern and gulf states on an admitted basis, with additional presence in Hawaii and California, Florida, and South Carolina on an excess and surplus lines basis. The company's geographic footprint is intentionally diversified to manage catastrophic weather exposure, with significant operations in Florida, New Jersey, New York, and Hawaii.
The company employs 542 full-time and part-time employees and maintains financial strength ratings from Demotech and Kroll Bond Rating Agency. Heritage's competitive advantages include its vertically integrated claims and loss mitigation services, proprietary data analytics capabilities for underwriting, strong relationships with highly rated reinsurers, and a robust reinsurance program designed to protect against catastrophic events. The company ranked among the top 31 writers of homeowners' insurance nationwide in 2024.
Company details
- Sector
- Financials
- Industry
- Property & Casualty Insurance
- Headquarters
- TAMPA, FL
- CIK
- 1598665
- SIC
- 6331
Financial performance, year by year
Fiscal 2014–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns Heritage Insurance Holdings, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · Heritage Insurance Holdings, Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
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