---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-25-116055"
form_type: "8-K"
ticker: "HRTG"
cik: "0001598665"
company_name: "Heritage Insurance Holdings, Inc."
filed_at: "2025-05-08T23:59:59+00:00"
generated_at: "2026-05-22T04:29:36.581323+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Heritage fully places 2025-2026 CAT XOL reinsurance program; limit up $285M, cost up $8M

## Summary
- Purchased $2.479B limit vs $2.194B prior year; cost $430.9M (+$7.8M).
- Two new catastrophe bonds (Citrus Re) provide $200M limit for hurricane season.
- Retention: $50M Southeast/Hawaii, $39.3M Northeast; FHCF participation 90%.
- Program is indemnity-based, no parametric covers; includes multi-year collateralized bonds.
- CEO cites strong reinsurer commitment and increased retention to match risk tolerance.

## SEC filing metadata
- accession: 0001193125-25-116055
- form_type: 8-K
- ticker: HRTG
- cik: 0001598665
- company_name: Heritage Insurance Holdings, Inc.
- filed_at: 2025-05-08T23:59:59+00:00
- event_type: other_material
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1598665/000119312525116055/0001193125-25-116055-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1598665/000119312525116055/d33733d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-116055
- JSON: https://secwatch.observer/filing/0001193125-25-116055.json
- Plain text: https://secwatch.observer/filing/0001193125-25-116055.txt

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