---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-24-064867"
form_type: "8-K"
ticker: "HRTG"
cik: "0001598665"
company_name: "Heritage Insurance Holdings, Inc."
filed_at: "2024-03-11T23:59:59+00:00"
generated_at: "2026-06-04T23:50:47.904826+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Heritage Q4 net income $30.9M ($1.15 EPS); combined ratio improves to 84.9%

## Summary
- Net income of $30.9M ($1.15 diluted EPS) vs $12.5M ($0.48) a year ago; net loss ratio improved 11.4 pts to 51.0%.
- Gross premiums earned $339.6M (+7.0% YoY); net premiums earned $177.7M (+6.9%); net combined ratio improved 11.2 pts to 84.9%.
- Book value per share $7.29, up 42.1% from $5.13; dividend suspension continued; raised ~$25.7M in Dec equity offering at $6.75/share.
- Personal lines policies-in-force down 15.0%; commercial residential premium in force up 63.9% YoY as part of diversification.
- Catastrophe losses fell to $3.1M from $15.3M; net weather losses $11.0M vs $27.5M in prior Q4.

## SEC filing metadata
- accession: 0001193125-24-064867
- form_type: 8-K
- ticker: HRTG
- cik: 0001598665
- company_name: Heritage Insurance Holdings, Inc.
- filed_at: 2024-03-11T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1598665/000119312524064867/0001193125-24-064867-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1598665/000119312524064867/d779863d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-24-064867
- JSON: https://secwatch.observer/filing/0001193125-24-064867.json
- Plain text: https://secwatch.observer/filing/0001193125-24-064867.txt

## Key facts
- Earnings Releases
  Heritage Insurance Holdings, Inc. reported fiscal quarter ended December 31, 2023 results: net income $30.9 million, EPS $1.15 per diluted share.
  - Period: fiscal quarter ended December 31, 2023
  - Net income: $30.9 million
  - EPS: $1.15 per diluted share
  - Result: reported results
  source text: On March 11, 2024, Heritage Insurance Holdings, Inc. (the “Company”) issued a press release announcing financial results for its fiscal quarter ended December 31, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1598665/000119312524064867/0001193125-24-064867-index.htm

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