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Heritage Insurance Holdings

HRTG

Heritage Insurance Holdings is a super-regional property and casualty insurance provider specializing in personal and commercial residential coverage.

Market cap
$1.07B+55.6%

Earnings

Next report

Nov 4, 2026 (in 3 months)
Revenue estimate$216.8M
EPS estimate$0.62

Competitors

Profile

Heritage Insurance Holdings is a super-regional property and casualty insurance provider specializing in personal and commercial residential coverage. The company operates a vertically integrated model, managing the entire insurance lifecycle from underwriting and actuarial analysis to distribution and in-house claims adjusting. Its core value proposition centers on disciplined underwriting and a robust reinsurance strategy to mitigate risks associated with catastrophic weather events in coastal regions.

Competitive position

A super-regional carrier ranked in the top 31 writers of homeowners' insurance nationwide, leveraging vertical integration and a captive reinsurance subsidiary.

GeographiesUnited States, Florida, Hawaii, California, South Carolina, New York, New Jersey
Customer segmentsRetail Consumers, Commercial Enterprises
Business modelB2B2C, Vertically Integrated Insurer
SuppliersThird-party Reinsurers, Catastrophe Modeling Software Providers, Cloud Infrastructure Providers, Independent Asset Managers
CustomersIndividual Homeowners, Commercial Property Managers, Business Owners
Listed2014
Employees566.0
CEOErnesto Jose Garateix
FilingsSEC EDGAR

FAQ

What is Heritage Insurance Holdings's market cap?
Heritage Insurance Holdings (HRTG) has a market capitalization of $1.1B and trades on NYSE.
Who are Heritage Insurance Holdings's competitors?
Heritage Insurance Holdings's key competitors include Universal Insurance Holdings, HCI Group, Allstate, and others. These companies compete in similar markets and product categories.
Who does Heritage Insurance Holdings partner with?
Heritage Insurance Holdings's notable partners include Citrus Re Ltd., Florida Hurricane Catastrophe Fund, Chubb, and others.
What subsidiaries does Heritage Insurance Holdings have?
Heritage Insurance Holdings's subsidiaries include Heritage Property & Casualty Insurance Company, Narragansett Bay Insurance Company, Zephyr Insurance Company, and others.
Where is Heritage Insurance Holdings headquartered?
Heritage Insurance Holdings is headquartered in United States of America and employs approximately 566 people. It has been publicly traded since 2014.