---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-25-173549"
form_type: "8-K"
ticker: "HRTG"
cik: "0001598665"
company_name: "Heritage Insurance Holdings, Inc."
filed_at: "2025-08-05T23:59:59+00:00"
generated_at: "2026-05-17T20:42:21.481122+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Heritage Q2 net income $48M ($1.55 EPS) vs $18.9M prior; combined ratio improves to 72.9%

## Summary
- Net income $48.0M, diluted EPS $1.55, up from $18.9M ($0.61) YoY.
- Net combined ratio 72.9%, improving 19.6 pts from 92.5% in Q2 2024.
- Net loss ratio 38.5% (down 17.2 pts); net expense ratio 34.4% (down 2.4 pts).
- Gross premiums earned $353.6M (+1.0% YoY); new business premium written up 46.3% YoY.
- Nearly all territories open for new business vs 30% a year ago; dividend suspension continues.

## SEC filing metadata
- accession: 0001193125-25-173549
- form_type: 8-K
- ticker: HRTG
- cik: 0001598665
- company_name: Heritage Insurance Holdings, Inc.
- filed_at: 2025-08-05T23:59:59+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/1598665/000119312525173549/0001193125-25-173549-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1598665/000119312525173549/d23091d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-173549
- JSON: https://secwatch.observer/filing/0001193125-25-173549.json
- Plain text: https://secwatch.observer/filing/0001193125-25-173549.txt

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