Heritage Insurance (NYSE:HRTG) (NYSE: HRTG) is a property and casualty insurance holding company principally engaged in underwriting and issuing personal residential property insurance policies in the state of Florida. Through its primary subsidiary, Heritage Property & Casualty Insurance Company, it offers a range of homeowners’ products, including dwelling fire, homeowners multiple peril, condominium unitowners and wind-only coverage. The company’s focus on high-quality underwriting and disciplined risk selection has helped it establish a significant market presence in regions prone to severe weather events.
Since its founding in 2013 and subsequent public listing, Heritage Insurance has built a reputation for responsive claims handling and proactive catastrophe management. Its in-house catastrophe team monitors emerging storm threats and collaborates with reinsurance partners to mitigate potential losses. Policyholders benefit from streamlined online services for policy issuance, billing and claims reporting, supported by a network of independent agents and direct customer service representatives.
Headquartered in Jacksonville, Florida, Heritage Insurance operates regional offices across the state to facilitate local market knowledge and rapid storm response. While Florida remains its core market, the company continually evaluates opportunities to expand into other coastal states with similar exposure profiles. This strategic approach is designed to balance growth with prudent risk management and reinsurance protection.
Leadership at Heritage is anchored by President and Chief Executive Officer John J. Gallagher, whose three decades of property and casualty experience guide the company’s underwriting and operational strategies. Supported by a seasoned management team and board of directors with deep insurance expertise, Heritage Insurance continues to prioritize financial strength, regulatory compliance and customer satisfaction as it navigates the evolving landscape of residential property insurance.
