Heritage Insurance Holdings, Inc. (HRTG)

Heritage Insurance Holdings, Inc. experienced a significant stock price increase of 139.44% in 2025. The stock has increased by 27.09% over the past six months and 24.24% year-to-date as of January 12, 2026. Key events include strong Q3 2025 earnings, with net income significantly exceeding the prior year, catastrophe losses from Hurricane Milton and Southern California wildfires, a $25 million share repurchase authorization, and insider selling transactions.

Heritage Insurance Holdings, Inc. operates in regions prone to natural disasters, exposing the company to catastrophe risks and implying a seasonality in demand for its insurance products, particularly those related to hurricanes and other storms. Historically, storm size and frequency tend to decrease significantly in the fourth quarter.

Heritage Insurance Holdings, Inc. is a property and casualty insurance holding company in the financial services sector, offering personal and commercial residential insurance products such as homeowners, renters, dwelling fire, equipment coverage, and an artisan contractor program. The company manages all aspects of insurance internally.

Heritage Insurance Holdings, Inc. operates in 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 is mainly in Florida, New Jersey, and New York. Zephyr Insurance, a subsidiary, provides personal residential and wind-only property insurance in Hawaii. The company's exposure is diversified across the Northeast (47%), Southeast (30%), West Coast (18%), and the Caribbean and Hawaii.

Heritage Insurance Holdings, Inc. has demonstrated resilience despite facing media scrutiny and new regulation, maintaining a "Strong Buy" quant rating of 4.81. Consistent premium growth, strategic portfolio optimization, and robust capital management have contributed to its perceived strength.

Institutional investors hold a significant portion of Heritage Insurance Holdings, Inc. stock, around 60.13% to 60.14%. Insiders own approximately 19.34%, and retail investors hold about 20.52%. Major institutional owners include BlackRock, Inc., Vanguard Group Inc, and Dimensional Fund Advisors Lp. Ernie J. Garateix owns 3.68% of the company's shares, and Bruce Lucas and Raymond Hyer are also major shareholders.