HRTG - NYSE
Heritage Insurance Holdings, Inc.
$20.88
-1.5%Heritage Insurance Holdings, Inc., through its subsidiaries, provides personal and commercial residential insurance products. The company offers personal residential property insurance for single-family homeowners and condominium owners, and rental property insurance in the states of Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia; commercial residential insurance for properties in Florida, New Jersey, and New York; and licensed in the state of Pennsylvania, as well as personal residential and wind-only property insurance. It also provides restoration, and emergency and recovery services; and property management, and reinsurance services. The company writes personal line policies through a network of retail independent agents, wholesale agents, and a partnership with a direct agency, as well as indirectly to approximately 1,500 retail locations through eight wholesale agency relationships; and personal and commercial insurance policies through a network of approximately 70 independent agencies. Heritage Insurance Holdings, Inc. was founded in 2012 and is headquartered in Tampa, Florida.
At a Glance
Live SnapshotHeritage Insurance Holdings, Inc. Management Team
Mr. Stephen Lowell Rohde
Advisory
Compensation
$959,406
Ms. Sharon Ann Binnun CPA
Chief Accounting Officer
Compensation
$588,612
Mr. Ernesto Jose Garateix CPCU
Chief Executive Officer & Director
Compensation
$2,677,012
Mr. Kirk Howard Lusk
Chief Financial Officer & Treasurer
Compensation
$1,873,562
Mr. Timothy Michael Moura
President of Narragansett Bay Insurance Company
Compensation
$960,304
Mr. Timothy E. Johns
President of Zephyr Insurance Company
Compensation
$454,445
Heritage Insurance Holdings, Inc. Insider Positioning
During the last 12 months, insiders have purchased $24K and sold $4.99M worth of HRTG shares, resulting in $4.97M of net selling activity.
3 Months
1.0K
24.45K
86.3K
2.31M
-2.3M
-$2.28M
3-6 Months
0
0.00
39.7K
1.08M
-1.1M
-$1.08M
6-9 Months
0
0.00
60.2K
1.60M
-1.6M
-$1.60M
9-12 Months
0
0.00
0
0.00
+0
+$0
Top Buyers
Whiting Paul L
Director
$24K
Top Sellers
Garateix Ernie J
Director, Officer: Chief Executive Officer
$2.40M
Moura Timothy
Officer: See Remarks
$1.39M
Lusk Kirk
Officer: Chief Financial Officer
$719K
Binnun Sharon
Officer: Chief Accounting Officer
$491K
Insider Activity Analysis
Net Insider Sentiment
Strong bearish signal with $4.97M net selling. Heavy insider selling may indicate concerns about valuation or near-term prospects.
Buy/Sell Ratio
Very poor ratio. Heavy selling with minimal buying suggests insiders may be concerned about valuation or outlook.
Recent Trend (3 Months)
Heavy recent selling activity. Recent insider sales notably exceed purchases—may warrant investigation into company developments.
Insider Participation
4 insider sellers vs. 1 buyers. Widespread selling across multiple insiders may signal concerns.
Insider Activity Insight
Multiple red flags: Heavy selling, numerous sellers, and continued recent selling create a concerning pattern. Investigate fundamental drivers and consider whether company guidance or industry conditions have deteriorated.
SEC Filings
HRTG - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
DEF 14A DEF 14A 2026 N/A | April 30, 2026 | June 10, 2026 | 2026 | |
DEF 14A DEF 14A 2025 N/A | April 25, 2025 | June 10, 2025 | 2025 | |
DEF 14A DEF 14A 2024 N/A | April 25, 2024 | June 05, 2024 | 2024 | |
DEF 14A DEF 14A 2023 N/A | April 28, 2023 | June 07, 2023 | 2023 | |
DEF 14A DEF 14A 2022 N/A | April 29, 2022 | June 23, 2022 | 2022 | |
DEF 14A DEF 14A 2021 N/A | April 15, 2021 | May 25, 2021 | 2021 | |
DEF 14A DEF 14A 2020 N/A | April 28, 2020 | June 22, 2020 | 2020 | |
DEF 14A DEF 14A 2019 N/A | April 03, 2019 | May 01, 2019 | 2019 | |
DEF 14A DEF 14A 2018 N/A | April 24, 2018 | June 22, 2018 | 2018 | |
DEF 14A DEF 14A 2017 N/A | October 31, 2017 | December 01, 2017 | 2017 |
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.