Groowe Groowe BETA / Newsroom
⏱ News is delayed by 15 minutes. Sign in for real-time access. Sign in

Form 8-K

sec.gov

8-K — Heritage Insurance Holdings, Inc.

Accession: 0001193125-26-335334

Filed: 2026-08-05

Period: 2026-08-05

CIK: 0001598665

SIC: 6331 (FIRE, MARINE & CASUALTY INSURANCE)

Item: Results of Operations and Financial Condition

Item: Financial Statements and Exhibits

Documents

8-K — hrtg-20260805.htm (Primary)

EX-99.1 (hrtg-ex99_1.htm)

XML — IDEA: XBRL DOCUMENT (R1.htm)

8-K

8-K (Primary)

Filename: hrtg-20260805.htm · Sequence: 1

8-K

0001598665false00015986652026-08-052026-08-05

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): August 05, 2026

Heritage Insurance Holdings, Inc.

(Exact name of Registrant as Specified in Its Charter)

Delaware

001-36462

45-5338504

(State or Other Jurisdiction

of Incorporation)

(Commission File Number)

(IRS Employer

Identification No.)

1401 N Westshore Blvd

Tampa, Florida

33607

(Address of Principal Executive Offices)

(Zip Code)

Registrant’s Telephone Number, Including Area Code: 727 362-7200

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading

Symbol(s)

Name of each exchange on which registered

Common Stock, par value $0.0001 per share

HRTG

The New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition.

On August 5, 2026, Heritage Insurance Holdings, Inc. (the “Company”) issued a press release announcing financial results for its fiscal quarter ended June 30, 2026. A copy of the press release is attached hereto as Exhibit 99.1.

The information furnished under this Item 2.02, including Exhibit 99.1, is being furnished and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933, as amended or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.

Item 9.01 Financial Statements and Exhibits.

(d)

Exhibits. The following exhibit is being furnished as part of this Current Report on Form 8-K.

Exhibit

Number

Description

99.1

Press Release dated August 5, 2026.

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

HERITAGE INSURANCE HOLDINGS, INC.

Date:

August 5, 2026

By:

/s/ Kirk Lusk

Kirk Lusk

Chief Financial Officer

EX-99.1

EX-99.1

Filename: hrtg-ex99_1.htm · Sequence: 2

EX-99.1

Exhibit 99.1

Heritage Reports Second Quarter 2026 Results

Tampa, FL – August 5, 2026: Heritage Insurance Holdings, Inc. (NYSE: HRTG) (“Heritage” or the “Company”), a super-regional property and casualty insurance holding company, today reported second quarter of 2026 financial results.

Second Quarter 2026 Result Highlights

Record second quarter net income of $61.7 million, an increase of 28.5% from net income of $48.0 million in the prior-year quarter.

Earnings per share increased 32.3% to $2.05 per diluted share in the second quarter, as compared to $1.55 per diluted share in the prior-year quarter.

Year-to-date net income of $98.2 million and earnings per share of $3.23 per diluted share, up from $78.5 million and $2.54 per diluted share for the six months ended June 30, 2025.

Total revenue increased 3.0% to $214.2 million from $208.0 million in the prior-year quarter.

Net loss ratio improved 8.1 percentage points to 30.4%, from 38.5% in the prior-year quarter.

Net combined ratio improved by 8.0 percentage points to 64.9%, from 72.9% in the prior-year quarter.

Annualized return on average equity of 45.4% for the second quarter with shareholders’ equity up 48.1% year-over-year.

Book value per share increased to $19.09 which is an increase of 16.5% from year end 2025 and was up 54.5% from the prior-year quarter.

Second quarter cash flow from operations of $166.5 million, an increase of 277% as compared to the prior-year quarter.

Repurchased 1,001,508 shares of common stock at a cost of $24.6 million in 2026.

Started writing business in Texas on a surplus lines basis.

Ernie Garateix, Heritage’s CEO, commented, “Several years ago, our focus was on improving profitability, strengthening the balance sheet, and reducing volatility in our financial results. Today, we are generating record earnings, producing substantial excess capital and beginning to see encouraging signs that the foundation we have built can support future growth. We believe Heritage has evolved into a stronger, more diversified and more resilient business, operating as a super-regional insurance carrier with opportunities to deploy capital across multiple geographies, products and distribution channels. That flexibility allows us to dynamically allocate capital to the most attractive risk-adjusted return opportunities while maintaining the underwriting discipline that has defined our transformation.”

Mr. Garateix continued, “Despite the significant progress we have made over the last several years, we do not believe our current valuation fully reflects the strength of our earnings profile, the durability of our results, or the growth opportunities ahead. As a result, we have repurchased more than one million shares of our common stock year to date because we believe our shares continue to trade below intrinsic value, while we are also still preserving substantial capacity to support future growth. Despite increased competition across many markets, our analytics, team and infrastructure position Heritage to grow prudently while sustaining profitability and underwriting discipline.”

Strategic Profitability Initiatives

These initiatives will remain in place while the Company also expands its strategy to include its 2026 initiatives:

Generating underwriting profit through rate adequacy and continued selective underwriting.

Allocating capital to products and geographies that maximize long-term returns.

Targeting a balanced and diversified portfolio.

To continue its progress, the Company expects to also focus on the following profitability initiatives in 2026:

Target geographies for new business, while closely managing risk and exposure.

1

Exhibit 99.1

Continue persistent underwriting discipline and focus on rate adequacy while driving prudent top line growth.

Enhance data driven analytics using AI and other technology tools.

Continue the refinement of customer service and claims capabilities.

Leverage infrastructure and capabilities to foster future growth, which includes our entry to the State of Texas on an excess and surplus lines basis.

Act as opportunities emerge which will continue our diversification and expansion over the next several years.

Expand our relationship with reinsurance partners to expand capacity and manage volatility while pursuing growth.

Capital Management

The Board of Directors has continued the suspension of the Company's quarterly dividend as it prioritizes strategic growth opportunities and will reassess dividend distributions each quarter. On May 7, 2026, the Board authorized a new $50.0 million share repurchase program, replacing the prior authorization effective through December 31, 2026. During the second quarter of 2026, the Company repurchased in aggregate 631,024 shares for approximately $14.6 million under the share repurchase programs and has repurchased 1,001,508 shares for approximately $24.6 million in 2026. The company has $37.4 million remaining on the existing authorization.

Results of Operations

The following table summarizes results of operations for the three and six months ended June 30, 2026, and 2025 (amounts in thousands, except percentages and per share amounts):

Three Months Ended June 30

Six Months Ended June 30

2026

2025

Change

2026

2025

Change

Total revenues

$

214,195

$

208,035

3.0

%

$

426,854

$

419,554

1.7

%

Net income

$

61,710

$

48,024

28.5

%

$

98,194

$

78,498

25.1

%

Earnings per share

$

2.05

$

1.55

32.3

%

$

3.23

$

2.54

27.2

%

Book value per share

$

19.09

$

12.36

54.5

%

$

19.09

$

12.36

54.5

%

Return on equity *

45.4

%

53.9

%

(8.5

)

pts

36.6

%

46.6

%

(10.0

)

pts

Underwriting summary

Gross premiums written

$

388,441

$

410,968

(5.5

)

%

$

735,187

$

766,965

(4.1

)

%

Gross premiums earned

$

351,153

$

353,594

(0.7

)

%

$

704,716

$

707,422

(0.4

)

%

Ceded premiums

$

(150,029

)

$

(157,278

)

(4.6

)

%

$

(303,899

)

$

(311,072

)

(2.3

)

%

Net premiums earned

$

201,124

$

196,316

2.4

%

$

400,817

$

396,350

1.1

%

Ceded premium ratio

42.7

%

44.5

%

(1.8

)

pts

43.1

%

44.0

%

(0.8

)

pts

Ratios to Net Premiums Earned:

Loss ratio

30.4

%

38.5

%

(8.1

)

pts

38.1

%

44.2

%

(6.1

)

pts

Expense ratio

34.5

%

34.4

%

0.1

pts

34.8

%

34.6

%

0.2

pts

Combined ratio

64.9

%

72.9

%

(8.0

)

pts

72.9

%

78.8

%

(5.9

)

pts

* Return on equity represents annualized net income for the period divided by average stockholders’ equity during the period.

Note: Percentages and sums in the table may not recalculate precisely due to rounding.

Ratios

Ceded premium ratio represents ceded premiums as a percentage of gross premiums earned.

Net loss ratio represents net losses and loss adjustment expenses (“LAE”) as a percentage of net premiums earned.

Net expense ratio represents policy acquisition costs (“PAC”) and general and administrative (“G&A”) expenses as a percentage of net premiums earned. Ceding commission income is reported as a reduction of PAC and G&A expenses.

2

Exhibit 99.1

Net combined ratio represents the sum of net losses and LAE, PAC and G&A expenses as a percentage of net premiums earned. The net combined ratio is a key measure of underwriting performance traditionally used in the property and casualty industry. A combined ratio under 100% generally reflects profitable underwriting results.

Second Quarter 2026 Results:

Second quarter 2026 net income increased to $61.7 million, or $2.05 per diluted share, compared with $48.0 million, or $1.55 per diluted share, in the prior-year quarter. The increase was primarily driven by lower losses and higher revenue. Revenue growth reflected lower ceded premiums, which increased net premiums earned, as well as higher investment income from a larger invested asset base. Net losses decreased primarily due to favorable prior-year loss development and lower weather-related losses.

Premiums-in-force were $1.41 billion, down 1.4% from $1.43 billion in the second quarter of 2025, primarily due to commercial residential premium reductions resulting from competitive pricing pressure.

Gross premiums written decreased 5.5% to $388.4 million from $411.0 million in the prior-year quarter, primarily reflecting lower commercial residential premiums, partially offset by growth in personal lines. The Florida commercial residential market remains highly competitive and management continues to emphasize underwriting discipline and adequate profitability by writing business that meets Heritage’s pricing and risk standards. Commercial premiums are expected to level off in the second half of the year as we continue to grow business outside of Florida where business conditions are more favorable while leveraging our strong Florida agency network.

Gross premiums earned were $351.2 million, compared with $353.6 million in the prior-year quarter, reflecting the decline in commercial residential business due to the competitive market conditions discussed above.

Ceded premiums decreased 4.6% to $150.0 million from $157.3 million in the prior-year quarter. The reduction in ceded premiums reflected the decrease in the northeast net quota share program which was effective December 31, 2025 and one month of savings driven by the improved pricing of our June 2026 CAT XOL program. The CAT XOL placement generated treaty-year expense savings of $63.2 million, of which seven-twelfths will be recognized in 2026.

In addition, Heritage successfully completed the placement of its catastrophe excess of loss reinsurance program with higher coverage levels than the prior-year while achieving a lower total and risk-adjusted cost. As operating and reinsurance costs improve, the Company expects policyholders to benefit through more competitive pricing while continuing to maintain appropriate underwriting margins. This should also favorably impact ceded premiums over the next four quarters.

Net premiums earned increased 2.4% to $201.1 million from $196.3 million in the prior-year quarter, driven by lower ceded premiums more than offsetting the decrease in gross written premiums.

Total revenue increased 3.0% to $214.2 million, reflecting higher net premiums earned and increased investment income. Net investment income rose 17.3% to $10.6 million in the second quarter of 2026 from $9.0 million in the prior-year quarter, driven by growth in invested assets. The investment portfolio remains conservatively positioned, emphasizing high-quality fixed-income investments with asset durations closely matched to liabilities.

Net losses and LAE were $61.1 million, down $14.6 million from $75.6 million in the prior-year quarter. The net loss ratio improved 8.1 points to 30.4% from 38.5% in the same quarter last year. Net weather losses for the current accident quarter were $11.5 million, compared with $12.5 million in the prior-year quarter. Net favorable prior-year loss development was $23.4 million in the second quarter of 2026, compared with $2.3 million in the prior-year quarter.

The net expense ratio was 34.5%, essentially flat compared with 34.4% in the prior-year quarter. Policy acquisition costs increased 5.5% year over year, primarily due to lower ceding commissions following a 2025 year end reduction in the net quota share reinsurance program. General and administrative expenses decreased 2.5%, reflecting lower regulatory costs and municipality tax expenses.

The net combined ratio improved 8.0 points to 64.9% from 72.9% in the prior-year quarter, primarily driven by the lower net loss ratio discussed above.

3

Exhibit 99.1

The effective tax rate was 24.9% compared to 23.8% in the prior-year quarter. We calculate the provision for income taxes during interim reporting periods by applying an estimate of the effective tax rate for the full year. The effective tax rate is 1.1 points higher than the prior-year quarter, with the variance driven by pre-tax income and permanent items. The effective tax rate can fluctuate throughout the year as income changes and estimates used in each quarterly tax provision are updated with additional information.

Supplemental Information:

Policies-in-force:

Q2 2026

Q2 2025

% Change

Personal Residential

338,817

357,294

(5.2

)

%

Commercial Residential

3,140

2,992

4.9

%

Other

8,930

9,823

(9.1

)

%

Total

350,887

370,109

(5.2

)

%

Premiums-in-force:

Personal Residential

1,162,853,241

1,148,876,238

1.2

%

Commercial Residential

236,726,188

271,156,884

(12.7

)

%

Other

10,010,765

9,458,112

5.8

%

Total

1,409,590,194

1,429,491,234

(1.4

)

%

Total Insured Value:

Personal Residential

318,809,611,090

319,578,562,554

(0.2

)

%

Commercial Residential

49,442,769,123

45,455,781,220

8.8

%

Total

368,252,380,213

365,034,343,774

0.9

%

Book Value Analysis:

Book Value Per Share

As Of

June 30, 2026

December 31, 2025

June 30, 2025

Numerator:

Common stockholders' equity

$

567,728

$

505,251

$

383,302

Denominator:

Total Shares Outstanding

$

29,732,416

$

30,833,776

$

31,017,570

Book Value Per Common Share

$

19.09

$

16.39

$

12.36

Book value per share was $19.09 at June 30, 2026, an increase of 16.5% from December 31, 2025 and an increase of 54.5% from June 30, 2025. The increase in stockholders' equity from December 31, 2025 was primarily driven by net income, partially offset by a $4.9 million net-of-tax increase in unrealized losses on the Company’s fixed income securities portfolio and the $24.6 million paid to repurchase 1,001,508 shares of common stock in 2026. The decline in the number of shares outstanding was driven by the repurchase of common stock and shares surrendered which was partially offset by the issuance of restricted stock this quarter. The increase in average stockholders’ equity of 52.9% over the prior-year quarter caused the ROAE for the prior-year quarter to be higher than the current year quarter, despite higher net income for the current year quarter.

The unrealized losses are unrelated to credit risk but are instead attributable to rising interest rates, with the increase in unrealized losses driven by higher interest rates during the year. Heritage does not anticipate a need to sell investments in advance of their maturity. As such, the Company expects unrealized losses to continue to roll off the portfolio as investments mature. The average duration of the fixed income portfolio is 3.4 years as the Company has extended duration to take advantage of higher yields further out on the yield curve, while still maintaining a short duration, high credit quality portfolio.

Conference Call Details:

Thursday, August 6, 2026– 9:00 a.m. ET

North American Dial-in Numbers Toll Free: 1-888-346-3095

International Dial In: 1-412-902-4258

Webcast: To listen to the live webcast, please go to http://investors.heritagepci.com. This webcast will be archived and accessible on the Company’s website.

4

Exhibit 99.1

HERITAGE INSURANCE HOLDINGS, INC.

Condensed Consolidated Balance Sheets

(Amounts in thousands, except share amounts)

June 30, 2026

December 31, 2025

ASSETS

(unaudited)

Fixed maturities, available-for-sale, at fair value

$

801,910

$

713,237

Equity securities, at fair value

816

1,064

Other investments, net

1,259

1,285

Total investments

803,985

715,586

Cash and cash equivalents

587,597

559,274

Restricted cash

13,782

13,307

Accrued investment income

7,507

6,556

Premiums receivable, net

94,034

95,331

Reinsurance recoverable on paid and unpaid claims, net

305,175

318,588

Prepaid reinsurance premiums

460,694

307,039

Deferred income tax asset, net

6,003

5,855

Deferred policy acquisition costs, net

68,921

64,544

Property and equipment, net

27,715

28,254

Right-of-use lease asset, finance

11,374

12,598

Right-of-use lease asset, operating

6,086

4,878

Intangibles, net

27,147

30,189

Other assets

32,416

33,823

Total Assets

$

2,452,436

$

2,195,822

LIABILITIES AND STOCKHOLDERS' EQUITY

Unpaid losses and loss adjustment expenses

$

481,997

$

579,477

Unearned premiums

738,384

707,923

Reinsurance payable

501,033

232,801

Long-term debt, net

71,287

78,428

Advance premiums

26,635

19,164

Income tax payable, net

5,660

4,282

Accrued compensation

6,618

8,844

Lease liability, finance

14,254

15,587

Lease liability, operating

6,293

5,800

Accounts payable and other liabilities

32,547

38,265

Total Liabilities

$

1,884,708

$

1,690,571

Stockholders’ Equity:

Common stock, $0.0001 par value

3

3

Additional paid-in capital

359,501

365,736

Accumulated other comprehensive loss, net of taxes

(15,446

)

(10,555

)

Treasury stock, at cost

(157,773

)

(133,183

)

Retained earnings

381,443

283,250

Total Stockholders' Equity

567,728

505,251

Total Liabilities and Stockholders' Equity

$

2,452,436

$

2,195,822

5

Exhibit 99.1

HERITAGE INSURANCE HOLDINGS, INC.

Condensed Consolidated Statements of Operations

(Amounts in thousands, except per share and share amounts)

(Unaudited)

Three Months Ended June 30,

Six Months Ended June 30,

2026

2025

2026

2025

REVENUE:

Gross premiums written

$

388,441

$

410,968

$

735,187

$

766,965

Change in gross unearned premiums

(37,288

)

(57,374

)

(30,471

)

(59,543

)

Gross premiums earned

351,153

353,594

704,716

707,422

Ceded premiums

(150,029

)

(157,278

)

(303,899

)

(311,072

)

Net premiums earned

201,124

196,316

400,817

396,350

Net investment income

10,595

9,034

20,462

17,609

Net realized (losses) gains on debt securities and other investments

(37

)

4

(21

)

Other revenue

2,513

2,681

5,596

5,595

Total revenue

214,195

208,035

426,854

419,554

EXPENSES:

Losses and loss adjustment expenses

61,057

75,620

152,654

175,027

Policy acquisition costs

45,510

43,146

90,845

88,961

General and administrative expenses

23,778

24,399

48,687

48,260

Total expenses

130,345

143,165

292,186

312,248

Operating income

83,850

64,870

134,668

107,306

Interest expense, net

1,690

1,880

3,468

4,306

Income before taxes

$

82,160

$

62,990

$

131,200

$

103,000

Income tax expense

20,450

14,966

33,006

24,502

Net income

$

61,710

$

48,024

$

98,194

$

78,498

Weighted average shares outstanding

Basic

30,017,180

31,004,218

30,349,056

30,851,022

Diluted

30,076,443

31,063,481

30,408,347

30,910,285

Earnings per share

Basic

$

2.06

$

1.55

$

3.24

$

2.54

Diluted

$

2.05

$

1.55

$

3.23

$

2.54

6

Exhibit 99.1

About Heritage

Heritage Insurance Holdings, Inc. is a super-regional property and casualty insurance holding company. Through its insurance subsidiaries and a large network of experienced agents, the Company writes approximately $1.4 billion of gross personal and commercial residential premium across its multi-state footprint covering the northeast, southeast, Hawaii and California excess and surplus lines.

Forward-Looking Statements

Statements in this press release and on our earnings conference call that are not historical facts are forward-looking statements that are subject to certain risks and uncertainties that could cause actual events and results to differ materially from those discussed herein. Without limiting the generality of the foregoing, words such as “may,” “will,” “expect,” “believe,” “anticipate,” “intend,” “could,” “would,” “estimate,” “or “continue” or the other negative variations thereof or comparable terminology are intended to identify forward-looking statements. This release and our earnings conference call include forward-looking statements, including statements relating to our strategic initiatives for 2026 and our ability to profitably grow our business and deliver value to our shareholders either organically or through accretive business opportunities; our ability to take advantage of emerging opportunities; our positioning to deliver managed growth with rate adequacy in our markets and our intent not to write policies that we believe are underpriced or do not meet our underwriting standards; our expectations and plans regarding our margins and maintaining adequate margins; our expectations and plans regarding premiums, including premium growth and ceded premium outlook; our beliefs regarding commercial residential market competitiveness, generally, and pricing pressure in Florida, specifically; our expectations regarding our catastrophe excess of loss program; our capital allocation strategy, including our Board’s evaluation of dividend distributions and share repurchases and our evaluation of the intrinsic value of our common stock; our new geography and product diversification and expansion strategy, including our plans relating to building relationships in any new market; our focus on underwriting discipline, exposure management and rate adequacy in existing and new geographies, leveraging our scale, continued enhancement of data and AI-driven analytics and our other strategic priorities for 2026; and our expectations regarding our financial results in 2026 and beyond and the drivers of such results. The risks and uncertainties that could cause our actual results to differ from those expressed or implied herein include, without limitation: the success of the Company’s underwriting and profitability initiatives; inflation and other changes in economic conditions (including changes in interest rates and financial and real estate markets), including changes that may impact demand for our products and our operations; lack of effectiveness of exclusions and loss limitation methods in the insurance policies we assume or write; inherent uncertainty of our models and our reliance on artificial intelligence as a tool in creating and using such models; the impact of macroeconomic and geopolitical conditions, including the impact of interest rates, supply chain constraints, inflationary pressures, tariffs, labor availability and geopolitical conflicts; the impact of new federal and state regulations that affect the property and casualty insurance market and our failure to meet increased regulatory requirements, including minimum capital and surplus requirements; continued and increased impact of abusive and unwarranted claims; the cost of reinsurance, the collectability of reinsurance and our ability to obtain reinsurance coverage on terms and at a cost acceptable to us; assessments charged by various governmental agencies; pricing competition and other initiatives by competitors; our ability to obtain regulatory approval for requested rate changes, and the timing thereof; legislative and regulatory developments; the outcome of litigation pending against us, including the terms of any settlements; risks related to the nature of our business; dependence on investment income and the composition of our investment portfolio; the adequacy of our liability for losses and loss adjustment expense; our ability to build and maintain relationships with insurance agents; claims experience; ratings by industry services; catastrophe losses; reliance on key personnel; weather conditions (including the severity and frequency of storms, hurricanes, tornadoes, wildfires and hail); changes in loss trends; acts of war and terrorist activities; court decisions and trends in litigation; and other matters described from time to time by us in our filings with the Securities and Exchange Commission, including, but not limited to, the Company’s Annual Report on Form 10-K for the year ended December 31, 2025 filed with the Securities and Exchange Commission on March 12, 2026, and subsequent filings. The Company undertakes no obligations to update, change or revise any forward-looking statement, whether as a result of new information, additional or subsequent developments or otherwise.

Investor Contact:

Kirk Lusk

Chief Financial Officer

investors@heritagecompanies.com

7

XML — IDEA: XBRL DOCUMENT

XML

Filename: R1.htm · Sequence: 5

v3.26.1

Document And Entity Information

Aug. 05, 2026

Cover [Abstract]

Document Type

8-K

Amendment Flag

false

Document Period End Date

Aug. 05, 2026

Entity Registrant Name

Heritage Insurance Holdings, Inc.

Entity Central Index Key

0001598665

Entity Emerging Growth Company

false

Entity File Number

001-36462

Entity Incorporation, State or Country Code

DE

Entity Tax Identification Number

45-5338504

Entity Address, Address Line One

1401 N Westshore Blvd

Entity Address, City or Town

Tampa

Entity Address, State or Province

FL

Entity Address, Postal Zip Code

33607

City Area Code

727

Local Phone Number

362-7200

Written Communications

false

Soliciting Material

false

Pre-commencement Tender Offer

false

Pre-commencement Issuer Tender Offer

false

Title of 12(b) Security

Common Stock, par value $0.0001 per share

Trading Symbol

HRTG

Security Exchange Name

NYSE

X

- Definition

Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.

+ References

No definition available.

+ Details

Name:

dei_AmendmentFlag

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Area code of city

+ References

No definition available.

+ Details

Name:

dei_CityAreaCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Cover page.

+ References

No definition available.

+ Details

Name:

dei_CoverAbstract

Namespace Prefix:

dei_

Data Type:

xbrli:stringItemType

Balance Type:

na

Period Type:

duration

X

- Definition

For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.

+ References

No definition available.

+ Details

Name:

dei_DocumentPeriodEndDate

Namespace Prefix:

dei_

Data Type:

xbrli:dateItemType

Balance Type:

na

Period Type:

duration

X

- Definition

The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.

+ References

No definition available.

+ Details

Name:

dei_DocumentType

Namespace Prefix:

dei_

Data Type:

dei:submissionTypeItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Address Line 1 such as Attn, Building Name, Street Name

+ References

No definition available.

+ Details

Name:

dei_EntityAddressAddressLine1

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Name of the City or Town

+ References

No definition available.

+ Details

Name:

dei_EntityAddressCityOrTown

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Code for the postal or zip code

+ References

No definition available.

+ Details

Name:

dei_EntityAddressPostalZipCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Name of the state or province.

+ References

No definition available.

+ Details

Name:

dei_EntityAddressStateOrProvince

Namespace Prefix:

dei_

Data Type:

dei:stateOrProvinceItemType

Balance Type:

na

Period Type:

duration

X

- Definition

A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityCentralIndexKey

Namespace Prefix:

dei_

Data Type:

dei:centralIndexKeyItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Indicate if registrant meets the emerging growth company criteria.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityEmergingGrowthCompany

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

+ References

No definition available.

+ Details

Name:

dei_EntityFileNumber

Namespace Prefix:

dei_

Data Type:

dei:fileNumberItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Two-character EDGAR code representing the state or country of incorporation.

+ References

No definition available.

+ Details

Name:

dei_EntityIncorporationStateCountryCode

Namespace Prefix:

dei_

Data Type:

dei:edgarStateCountryItemType

Balance Type:

na

Period Type:

duration

X

- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityRegistrantName

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

na

Period Type:

duration

X

- Definition

The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityTaxIdentificationNumber

Namespace Prefix:

dei_

Data Type:

dei:employerIdItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Local phone number for entity.

+ References

No definition available.

+ Details

Name:

dei_LocalPhoneNumber

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

+ Details

Name:

dei_PreCommencementIssuerTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

+ Details

Name:

dei_PreCommencementTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Title of a 12(b) registered security.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

+ Details

Name:

dei_Security12bTitle

Namespace Prefix:

dei_

Data Type:

dei:securityTitleItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Name of the Exchange on which a security is registered.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

+ Details

Name:

dei_SecurityExchangeName

Namespace Prefix:

dei_

Data Type:

dei:edgarExchangeCodeItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

+ Details

Name:

dei_SolicitingMaterial

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Trading symbol of an instrument as listed on an exchange.

+ References

No definition available.

+ Details

Name:

dei_TradingSymbol

Namespace Prefix:

dei_

Data Type:

dei:tradingSymbolItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

+ Details

Name:

dei_WrittenCommunications

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

na

Period Type:

duration