---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-245800"
form_type: "8-K"
ticker: "HRTG"
cik: "0001598665"
company_name: "Heritage Insurance Holdings, Inc."
filed_at: "2026-05-28T23:56:08+00:00"
generated_at: "2026-05-29T10:12:10.640150+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Heritage Insurance places 2026-2027 cat XOL program with $2.2B limit, cost down $63M YoY

## Summary
- Total reinsurance cost $367.5M, decreasing $63.2M from prior year's $430.7M.
- Over $2.2B of limit placed including two new catastrophe bonds and $712M multi-year coverage.
- Retentions unchanged: $50M for Southeast and Hawaii, $38M for Northeast; FHCF participation at 90%.
- CEO Ernie Garateix highlighted substantial cost savings and enhanced vertical protection.
- Entire program is indemnity-based; no parametric covers.

## SEC filing metadata
- accession: 0001193125-26-245800
- form_type: 8-K
- ticker: HRTG
- cik: 0001598665
- company_name: Heritage Insurance Holdings, Inc.
- filed_at: 2026-05-28T23:56:08+00:00
- event_type: other_material
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1598665/000119312526245800/0001193125-26-245800-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1598665/000119312526245800/d153948d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-245800
- JSON: https://secwatch.observer/filing/0001193125-26-245800.json
- Plain text: https://secwatch.observer/filing/0001193125-26-245800.txt

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