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Heritage Insurance Holdings, Inc.
HRTG · NYSE · Property & casualty
| Stock ticker | HRTG |
| SEC CIK | 0001598665 |
| Headquarters country | US |
| State or country of incorporation | DE |
| US insurance companies | 4 active |
Financial summary
From the company's annual 10-K filings with the SEC. US dollars.
| 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|
| Net premiums written | $611.7M | $662.2M | $729.4M | $779.1M | $802.2M |
| Net premiums earned | $611.1M | $637.1M | $697.2M | $767.9M | $794.2M |
| Losses and benefits incurred | $427.4M | $501.2M | $426.1M | $447.0M | $313.2M |
| Claim reserves | $590.2M | $1.13B | $846.0M | $1.04B | $579.5M |
| Total revenues | $631.6M | $662.5M | $735.5M | $817.0M | $847.3M |
| Net income | −$74.7M | −$154.4M | $45.3M | $61.5M | $195.6M |
| Shareholders' equity | $343.1M | $131.0M | $220.3M | $290.8M | $505.3M |
| Total assets | $1.98B | $2.39B | $2.12B | $2.47B | $2.20B |
| Loss ratio | 69.9% | 78.7% | 61.1% | 58.2% | 39.4% |
Loss ratio: losses and loss adjustment expenses incurred divided by net premiums earned. Lower means a smaller share of premium went to claims. Calculated from figures in the company's SEC filings. It is not a rating.
US insurance companies in this group
Legal entities from the NAIC company listing. 1 has complaint records from Texas, New York or Connecticut regulators; follow a link for details.
| Company | NAIC | Domicile | Complaint data |
|---|---|---|---|
| HERITAGE PROP & Casualty Insurance Company | 14407 | FL | — |
| HERITAGE PROP & Casualty & ZEPHYR Insurance | 449 | — | — |
| NARRAGANSETT BAY Insurance Company | 43001 | RI | CT (97) |
| ZEPHYR Insurance Company INC | 11026 | HI | — |
Sources
Financial figures: SEC EDGAR structured data from 10-K filings, latest filed 2026-03-19. Insurance companies: NAIC company listing, with group links reviewed by promtinsurance.com. Complaint data: Texas Department of Insurance, New York Department of Financial Services and Connecticut Insurance Department. Data updated 2026-09-23.