---
schema_version: "secwatch.filing_event.v1"
accession: "0001598665-24-000006"
form_type: "8-K"
ticker: "HRTG"
cik: "0001598665"
company_name: "Heritage Insurance Holdings, Inc."
filed_at: "2024-08-06T23:59:59+00:00"
generated_at: "2026-05-31T12:16:50.820350+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Heritage Q2 net income surges 143% to $18.9M; combined ratio improves to 92.5%

## Summary
- Net income $18.9M ($0.61 diluted EPS) vs $7.8M ($0.30) in Q2 2023, up 142.6%.
- Gross premiums earned $350.1M (+6.1% YoY); net premiums earned $190.3M (+7.6%).
- Net combined ratio improved to 92.5% from 95.1%; net loss ratio down 4.6 pts to 55.7%.
- Book value per share $8.32, up 32.7% YoY; premiums-in-force $1.4B, up 6.1%.
- CEO plans to resume new business in Florida and Northeast; dividend suspension continues.

## SEC filing metadata
- accession: 0001598665-24-000006
- form_type: 8-K
- ticker: HRTG
- cik: 0001598665
- company_name: Heritage Insurance Holdings, Inc.
- filed_at: 2024-08-06T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1598665/000159866524000006/0001598665-24-000006-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1598665/000159866524000006/hrtg-20240806.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001598665-24-000006
- JSON: https://secwatch.observer/filing/0001598665-24-000006.json
- Plain text: https://secwatch.observer/filing/0001598665-24-000006.txt

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