---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-23-206491"
form_type: "8-K"
ticker: "HRTG"
cik: "0001598665"
company_name: "Heritage Insurance Holdings, Inc."
filed_at: "2023-08-09T23:59:59+00:00"
generated_at: "2026-06-11T22:16:01.885996+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Heritage Q2 net income $7.8M vs loss $87.9M YoY; combined ratio 95.1%

## Summary
- Net income of $7.8M ($0.30 diluted EPS) vs net loss of $87.9M ($3.32 loss) in Q2 2022.
- Gross premiums written $396.6M, up 8.6% YoY; net premiums earned $176.8M, up 11.7%.
- Net combined ratio improved to 95.1% from 99.4%, driven by loss ratio down 3.8 pts to 60.3%.
- Florida personal lines policies-in-force intentionally declined 15.8%; average premium per policy up 24.3% YoY.
- Dividend suspension continues; no share repurchases in quarter.

## SEC filing metadata
- accession: 0001193125-23-206491
- form_type: 8-K
- ticker: HRTG
- cik: 0001598665
- company_name: Heritage Insurance Holdings, Inc.
- filed_at: 2023-08-09T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1598665/000119312523206491/0001193125-23-206491-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1598665/000119312523206491/d454748d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-23-206491
- JSON: https://secwatch.observer/filing/0001193125-23-206491.json
- Plain text: https://secwatch.observer/filing/0001193125-23-206491.txt

## Key facts
- Earnings Releases
  Heritage Insurance Holdings, Inc. reported second quarter of 2023 results: net income net income of $7.8 million or $0.30 per diluted share, EPS $0.30 per diluted share.
  - Period: second quarter of 2023
  - Net income: net income of $7.8 million or $0.30 per diluted share
  - EPS: $0.30 per diluted share
  - Result: reported results
  source text: Heritage Insurance Holdings, Inc. (the “Company”) issued a press release announcing financial results for its fiscal quarter ended June 30, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1598665/000119312523206491/0001193125-23-206491-index.htm

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