---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-23-136067"
form_type: "8-K"
ticker: "HRTG"
cik: "0001598665"
company_name: "Heritage Insurance Holdings, Inc."
filed_at: "2023-05-04T23:59:59+00:00"
generated_at: "2026-06-15T22:02:49.275394+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Heritage Q1 2023 net income $14.0M vs loss; diluted EPS $0.55

## Summary
- Net income of $14.0M ($0.55 diluted EPS) vs loss of $30.8M ($1.15 loss) in Q1 2022.
- Gross premiums written $310.3M, up 9.6% YoY; net premiums earned $166.0M, up 8.6%.
- Net combined ratio improved to 94.5% from 129.5% YoY; net loss ratio 58.7% vs 91.6%.
- Premiums-in-force exceeded $1.3B (+10.9% YoY) despite policy count down 9.0%.
- Dividend suspension continued; no share repurchases in quarter.

## SEC filing metadata
- accession: 0001193125-23-136067
- form_type: 8-K
- ticker: HRTG
- cik: 0001598665
- company_name: Heritage Insurance Holdings, Inc.
- filed_at: 2023-05-04T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1598665/000119312523136067/0001193125-23-136067-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1598665/000119312523136067/d219211d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-23-136067
- JSON: https://secwatch.observer/filing/0001193125-23-136067.json
- Plain text: https://secwatch.observer/filing/0001193125-23-136067.txt

## Key facts
- Earnings Releases
  Heritage Insurance Holdings, Inc. reported financial results for first quarter of 2023.
  - Period: first quarter of 2023
  - Result: reported results
  source text: On May 4, 2023, Heritage Insurance Holdings, Inc. (the “Company”) issued a press release announcing financial results for its fiscal quarter ended March 31, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1598665/000119312523136067/0001193125-23-136067-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.