---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-24-127876"
form_type: "8-K"
ticker: "HRTG"
cik: "0001598665"
company_name: "Heritage Insurance Holdings, Inc."
filed_at: "2024-05-02T23:59:59+00:00"
generated_at: "2026-06-03T00:31:45.896348+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Heritage Q1 2024 net income $14.2M; combined ratio 94.0%, in-force premium up 6.2%

## Summary
- Net income $14.2M ($0.47 diluted EPS) vs $14.0M ($0.55) in Q1 2023; EPS down due to higher share count.
- Gross premiums earned $341.4M (+7.7% YoY); net premiums earned $179.4M (+8.1%).
- Net combined ratio improved to 94.0% from 94.5%; net loss ratio improved 1.8 pts to 56.9%.
- Book value per share $7.67, up 26.8% YoY; dividend suspension continues.
- Policy count down 14.2% but premiums-in-force up 6.2% to $1.39B; commercial residential premium grew 44.4%.

## SEC filing metadata
- accession: 0001193125-24-127876
- form_type: 8-K
- ticker: HRTG
- cik: 0001598665
- company_name: Heritage Insurance Holdings, Inc.
- filed_at: 2024-05-02T23:59:59+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/1598665/000119312524127876/0001193125-24-127876-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1598665/000119312524127876/d650398d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-24-127876
- JSON: https://secwatch.observer/filing/0001193125-24-127876.json
- Plain text: https://secwatch.observer/filing/0001193125-24-127876.txt

## Key facts
- Earnings Releases
  Heritage Insurance Holdings, Inc. reported financial results for the fiscal quarter ended March 31, 2024.
  - Period: the fiscal quarter ended March 31, 2024
  - Result: reported results
  source text: On May 1, 2024, Heritage Insurance Holdings, Inc. (the “Company”) issued a press release announcing financial results for its fiscal quarter ended March 31, 2024.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1598665/000119312524127876/0001193125-24-127876-index.htm

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