Heritage Insurance

Heritage Insurance Holdings, Inc. is publicly traded on the New York Stock Exchange under the ticker symbol HRTG, and its corporate address is in Clearwater, Florida. We are a super-regional property and casualty insurance holding company that primarily provides personal and commercial residential insurance products across our multi-state footprint. We provide personal residential insurance in Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia and commercial residential insurance in Florida, New Jersey, and New York. We provide personal residential insurance in Florida and South Carolina on both an admitted and non-admitted basis and in California on a non-admitted basis. As a vertically integrated insurer, we control or manage substantially all aspects of risk management, underwriting, claims processing and adjusting, actuarial rate making and reserving, customer service, and distribution. Our financial strength ratings are important to us in establishing our competitive position and can impact our ability to write policies.

The company's product lines include homeowners (HO3), condo (HO6) and dwelling fire (DP3) policies, equipment coverage, commercial residential property insurance and an artisan contractor program. Heritage distributes its policies, including rental property coverage, through a network of independent agents. Policyholders have access to a customer portal, a claims center and a disaster center, and they can start a claim by text message. The company states that its management team has about 500 years of combined experience in the homeowners insurance market.